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Which companies just had a verified incident, who lends to them and who owns them. Every claim carries its evidence level and its source. How we decide what is confirmed

Global Financial Service Disruptions

Lloyds Banking Group (Lloyds, Halifax) and HSBC UK

commercial bank · GB · UK

Technical failureStatus: resolvedTier 1Severity 3 of 5Evidence confidence: mediumAnalyst-verified

During the 20 Oct 2026 Google Cloud London outage, Lloyds and HSBC confirmed customers had problems with their banking services and Halifax said some customers had app and online issues. Lloyds later said root issues had been resolved.

First disruption
Oct 20 06:08 UTC
First public signal
Oct 20 (Downdetector reports; Halifax reply on X)
Acknowledged
Oct 20
Restored
Oct 20
Duration
not established
DFX first recorded
Nov 5 14:58 UTC

What was restricted

mobile apponline bankingcard authScope: multi institution

App and online banking problems; earlier aggregator coverage mentions declined payments for Lloyds/Halifax/Bank of Scotland app users (not verified in fetched text).

Cause, kept in separate layers

What the institution said
Google Cloud power event in London region (Google); Lloyds: 'root issues have been resolved'; HSBC: 'difficulties accessing our services'.
DFX classification
Technical failure (cyber: ruled out)
Wording used
aware some customers are having issues with our app and online, difficulties accessing our services
Conflicting reports
Irish News (PA) says neither Lloyds nor HSBC confirmed, only Downdetector reports; Reuters (Khaleej Times) says both confirmed. Whether payments (as opposed to app access) were blocked is not established. Causal link of each bank to Google Cloud is inferred from timing and reporting, not stated by the banks.

Dependencies

A dependency is a documented relationship. It is not evidence that the provider was compromised.

  • Provider: Google Cloud europe-west2 (Cloud region), probable
  • Downstream: TrueLayer EUR pay-ins, VRP and payouts on multiple EU routes: Settlement delays and failures 06:00Z to 08:30Z (plausible)

Evidence