A Glitch Grips Metro Bank
Metro Bank experienced a significant technical issue with its payment services on Tuesday morning, October 7, 2025. Consequently, a glitch in the bank’s system was detected shortly after 6 a.m., significantly impacting its customers. This problem primarily affected both inbound and outbound payments.
Customer Accounts Hit Hard
Customers reported severe financial problems, feeling alarmed and inconvenienced. Issues included multiple reports of duplicated payments and alarming negative balances appearing in their accounts.
For instance, social media posts showed users querying why their balances were showing figures like “-£99” or even “-£1000+,” indicating an unauthorized overdraft. Indeed, one frustrated customer lamented, “There are five transactions that have been duplicated.”
Another user highlighted the human cost, noting that their partner, a truck driver, was left with no access to money for food or drink since early morning. Customers complained that amounts, sometimes hundreds of pounds, had effectively been taken out twice, leaving them overdrawn or unable to access their funds.
The DownDetector Details
The customer complaints spiked sharply in the morning, clearly tracing the scale of the issue. Specifically, the problem seemed to begin just after 6 a.m., as per outage tracker DownDetector, which logged around 100 reports at the peak time.
The problem also extended to general banking functionality, with some customers reporting difficulties in making transfers or using the mobile app.
Bank Response and Resolution
The bank quickly acknowledged the issue on its service status page, confirming problems with both receiving and sending money. However, shortly before 11 a.m. that morning, Metro Bank informed the press that the main issue had since been resolved.
A spokesperson stated that they had experienced a “short delay affecting inbound and outbound payments earlier this morning.” Therefore, while the immediate issue of the payment services failing was fixed, the bank admitted that customers “may see delays while we process these earlier payments.”
Thus, they announced that call times would be longer due to the high volume of customer inquiries.
Public Opinion on the Glitch
Although the bank announced that the glitch was resolved, customer reactions on social media suggested otherwise. For example, many customers publicly disputed the bank’s claim, stating, “It’s not fixed.”
Specifically, users complained that the duplicated payments were still showing, leaving balances inaccurate and money inaccessible hours after the official fix.
Consequently, anger and frustration were widespread, with customers demanding compensation and expressing intentions to switch banks.
Compensation Rights
If the banking failure caused direct financial detriment, customers are not without rights. Usually, you are not automatically compensated; rather, it relies on the seriousness and degree of the disturbance. Customers could thus request it if the problem resulted in a missed bill, a penalty charge, or a lowered credit rating.
Customers would really need to file a formal complaint with supporting documentation showing the financial hardship the bank’s error caused them.
At last, should the bank fail to adequately address the complaint, the Financial Ombudsman Service (FOS) may step in and perhaps demand restitution for losses, charges, or interest.
Customer Problem Solving
There are steps customers are urged to take if online banking systems are down and immediate access to funds is required. Therefore, the fastest choice is to withdraw money immediately at a nearby bank branch.
Otherwise, for quick help, clients can phone the bank or engage with it via social media if a branch is unreachable. Collecting the fundamental facts and supporting evidence of any loss is regarded as crucial for any possible future claim.
Conclusion
While the Metro Bank system glitch was officially resolved, its negative impact on personal finances, including duplicated transactions and negative balances, highlights the vulnerability of banking services. Customers are encouraged to track losses and utilize the FOS if their compensation claims are denied.
