Google cloud outage takes down banks

(neowin.net)

211 points | by paweladamczuk 7 hours ago

26 comments

  • nickcw 6 hours ago
    From Google's status page https://status.cloud.google.com/incidents/Xs2XTHzAVC9YnafnPy...

        We are experiencing an issue with multiple services in
        europe-west2 beginning on Monday, 2026-10-19 23:08 PDT.
        
        Due to a power event we had suffered an outage within
        europe-west2-b zone. The power event is mitigated. Partial
        mitigation to infrastructure services will be observed within the
        next 30 minutes and the remaining services will be mitigated there
        after.
    
    So some kind of power failure happened to bring down one zone. Unfortunate, but this kind of stuff happens. That is why all the cloud providers have multiple zones, and I'm amazed the big companies reported as down weren't using multiple zones.

    (Also reporting the times in PDT is quite unhelpful for users of this zone who are likely based in the UK or EU)

    • bsuvc 6 hours ago
      I'm not saying it's the case here, but sometimes the cloud providers themselves have inter-zone dependencies, or even inter-region dependencies that can cause outages in other zones and regions.

      For example, AWS us-east-1 outages have caused global outages on multiple occasions, such as https://www.networkworld.com/article/4168878/aws-hit-by-us-e...

      • yegle 3 hours ago
        In Google Cloud, that's a huge no no and you'll be put on a naughty list facing serious scrutiny during the postmortem review.

        Disclaimer: I work for Google Cloud.

        • whoamii 2 hours ago
          They don’t do periodic BCDR testing?!
      • Anon1096 44 minutes ago
        People who don't work on cloud services are usually very sloppy with their wording which I think is leading to some disconnect here. A "zone" is not really the unit of availability for most things people consider the "cloud" for hyperscalers. A zone is like 1-3 DCs and you are very vulnerable to stuff like localized power events. For that reason most services are not offered at the zonal level and if they are you get big disclaimers saying so and lower 9s of SLA.

        Most things are at a regional level which is multiple zones. Your AWS us-east-1 is one such region. A lot of datacenters spread across a decently large physical area have to have an issue for a whole region to start having failures.

        For GCP it seems like one power event in a DC led to a thundering herd on the rest of the region which was the actual issue here. (which is a pretty significant problem and isn't supposed to happen)

      • nickdothutton 3 hours ago
        Worked at a major ISP in the 90s with many critical infra customers. True diversity is a lot harder than many imagine.
    • robinson-wall 6 hours ago
      > I'm amazed the big companies reported as down weren't using multiple zones

      Much as with backups - if you don't test them, they don't exist.

      Everywhere I've worked has had multi-AZ infrastructure. I have never worked anywhere where the failure of an AZ has been simulated regularly, with second-order effects mapped out.

      • forgotaccount3 5 hours ago
        We set up our applications and services to be multi-AZ natively. It's not particularly difficult with how many AWS services are regional or global (Admittedly, I still expect a potential DNS failure to cause issues if and when that occurs). However we are just part of a workflow, we integrate with other applications that are not multi-AZ and would be impacted. That's just out of our hands.

        It's like our on-prem systems were ordered to plan out and exercise DR plans to account for a data center going offline, but we can't exercise a DR plan fully if part of the plan is 'Adapt to how application X, which is hosted in the same datacenter, also chose to fail over.' We do not own application X. There is no appetite in the business to co-ordinate the DR exercise across the entire company at the same time.

        We can't even do it all in a lower environment because there are dependencies on systems that are shared across environments. Some massive, redundant filesystem that is sync'd across our data centers, but the sync is a boolean. One datacenter instance of it is the primary and the others are read-only until they get promoted. We have one of these and lower environments are just a different root folder on the system with different access patterns, but they can't make DataCenter A the primary in prod and DataCenter B the primary in UAT.

    • InsidiousWombat 3 hours ago
      The fact they didn't immediately fail over doesn't mean they didn't had a plan.

      The plan might've just been "if it gets bombed, we restore backups into other zone". Just waiting for it to fix itself for few hours mightv'e been acceptable risk.

    • td521534f12 4 hours ago
      GCP is kind of odd in that some hardware is only available in certain zones, and some hardware is technically available in multiple zones but the capacity is not evenly spread. I've had to implement infrastructure code for GCP that interrogated hardware availability by region and zone to place VMs, trading off multi-AZ availability where it made sense.
      • xyzzy_plugh 3 hours ago
        Yes. The area on the Venn diagram where services, hardware and regulatory compliance intersect is surprisingly small.

        I had a client that was contracting with a very large bank and there were only something like four zones globally that we could possibly deploy in to.

        Google also is unlike AWS in that their zone abstraction is very virtual, and two zones might be in the same physical building. If you have requirements that your deployment zones be physically separated by some minimal distance then it can make things pretty challenging.

      • ragall 2 hours ago
        > infrastructure code for GCP that interrogated hardware availability

        How do you to do that ?

        • td521534f12 2 hours ago
          There's a GCP API that lists the hardware advertised in each zone as a starting point. Then you have to actually attempt to provision hardware in each zone to try to get a sense of what capacity is available there. Combine the two and you can kind of map out a topology.
    • physhster 4 hours ago
      Google is PDT-centric, and never grew out of it. Everything is Mountain View time internally and it's so jarring.
      • jonathanlydall 1 hour ago
        It comes across as really uncaring to the probably 99.9999% of people outside of the US who have no idea offhand what UTC offset it is, it almost feels hostile.

        If they at least included “(UTC -7)” after PDT, while still a bit annoying, at least people could work out what time that is without having to lookup PDT from somewhere first (as I just had to).

    • crumby 5 hours ago
      Often there are irritating legal geographic limitations on where cloud hardware can exist for a given country. I can understand why, but there is this particular drawback of having all eggs baskets close together.
      • chrisjj 4 hours ago
        The drawback being temptation not to power them indepedently, it seems.
    • HelloUsername 5 hours ago
    • cavoirom 5 hours ago
      I know some banks out-sourced most of its infrastructure to external operators, and some operator I worked with didn't seem competent.
  • gadders 6 hours ago
    >>Google cloud outage takes down HSBC, Revolut, Bank of Scotland, Llyods, Equifax, more

    You will probably have issues logging into Llyods even when the cloud is back up.

    • venzaspa 5 hours ago
      It's crazy. My main account is with Starling and I have a Lloyds account for a saving an account and some free cinema tickets. I don't think I've ever had an issue with Starling, it's great - Lloyds fails to sign in about 50% of the time consistently.
      • cowlevel 5 hours ago
        Do you have an account with Llyods though?
      • fauigerzigerk 4 hours ago
        Strange. My Lloyds login has never failed since I opened the account 11 years ago.

        The usability of their mobile app is atrocious though. Good thing they have a website.

    • michaellee8 5 hours ago
      cannot agree more
  • lucideer 26 minutes ago
    Possibly the most surprising part of this is the extremely quiet reporting on it. I've not seen many news outlets pick it up, & even on HN - they were down for almost 8 hours & I didn't see even see this post hit the frontpage (it might have briefly at some stage).

    I guess service reliability is just no longer something we consider a big deal in today's tech landscape.

  • paweladamczuk 7 hours ago
    For me it was Revolut. No access to my main account, no withdrawals, no card payments since the morning. App doesn't work, there's no phone number to call, nobody to talk to. Dark side of neobanking, I guess.
    • Arbortheus 7 hours ago
      Not all neobanks. I use Monzo, and they had an outage a while back. I was impressed that it barely affected their functionality.

      They have a stand-in system that uses a separate codebase and separate cloud provider. They have a blog post about it here: https://monzo.com/blog/tolerating-full-cloud-outages-with-mo...

      The stand-in system has a limited subset of features, i.e. no bells and whistles, but enough that you can get any actual banking done.

      (Not an ad / I have no connection to Monzo, I just had some appreciation for a bank doing this properly as normally banking IT is a disaster. Plus the idea of keeping a separate codebase for almost an entire bank's functionality seems very invested.)

      I have always got bad vibes from Revolut...

      • m11a 6 hours ago
        Starling also has a disaster recovery system across cloud providers, although it is implemented differently to Monzo's (I used to work there on multi-cloud).

        Multi-cloud is really tough, tbh. It's easier said than done, especially if you care about data consistency at all.

        • rancar2 5 hours ago
          I have built these system for financial institutions since before cloud providers. It is hard/impossible if not well constrained at a level that supports data availability and consistency well (ie using a proper database with the correct setup across all locations with the underlying OS configuration/patches applied uniformly - the latter lesson cost IBM a lot of money due to system downtime for a financial institution that I brought back online). Many software vendors offering on-prem versions don’t know how this works well exactly, so I’ve had to help them along the journey and get them to sign-off for their contractual obligations to be upheld in the setup.
          • dgrcode 2 hours ago
            > the latter lesson cost IBM a lot of money due to system downtime for a financial institution that I brought back online

            It sounds like that story could make a great blog post

      • fumblebee 1 hour ago
        > I have always got bad vibes from Revolut...

        Help me understand, is the bad vibes you get from stories from the company culture? Or rather that the media put a target on their back (at at least in my opinion this is because they have a Russian born founder? Revolut is one of the best products I've ever used, I've honestly nothing but good things to say about them.

      • ndsipa_pomu 6 hours ago
        > I have always got bad vibes from Revolut...

        I opened up a Revolut account a couple of years ago with the intention of switching my current account to it (i.e. wages going into it etc), but I got spooked after hearing that they weren't registered as a UK bank and thus subject to the various regulations and protections. I tried using Chase instead and have been happy with it so far.

        • misstuned 6 hours ago
          I used to use Starling as my main and they were fine, until I started getting issues with random card declines due to "fraud prevention" and nobody to talk to. I switched to First Direct and like the peace of mind of having a human on the phone if needed (when I wanted to make a huge transfer for my house deposit it was nice to have!) and I still get perks like free foreign card transactions.
        • altmanaltman 6 hours ago
          • ndsipa_pomu 4 hours ago
            Yep, I probably won't bother switching to them now as Chase provides a good service as far as I know, though I do get a bit twitchy about its U.S. links. However, it's headquartered in the UK and is a division of J P Morgan Europe, so I hope that provides some level of distancing from the inevitable economic collapse of U.S. A.I. companies.
    • rpozarickij 4 hours ago
      I couldn't pay for groceries with Revolut in a store. Staff asked if I was using Revolut, but luckily adding a card from a different bank to Apple Pay was quick and painless (I had neither my wallet nor cash with me).

      Another reminder that we need redundancy for all essential services that we rely on.

    • chrisjj 4 hours ago
      > there's no phone number to call

      Perhaps this "bank" knows its phones would be down too.

  • bcvvvy 6 hours ago
    I bank with HSBC. Everything is up and working.

    A lot of the information people are leveraging here comes from Downdetector which is mostly users reporting that stuff is down, not whether they are actually down. It's a really bad source.

    • m11a 6 hours ago
      It's a pretty good source ime (at least, massive spikes tend to correlate well with issues). Traditional organisations aren't as transparent as SF tech companies about service downtime. Plus, if the service isn't working for its users, I wouldn't say it's actually up.
      • myself248 5 hours ago
        Exactly. "Responding to pings" is not the same as "letting me get work done".

        If I had a nickel for every solid-green status page I shook my fist at while the actual site faceplanted on every request...

    • Johnny555 2 hours ago
      I've found that it's better than most service status pages -- Downdetector shows when users are reporting problems, while most service status pages only post significant confirmed outages, but there can still be service affecting issues that don't show up on the status page yet (or ever)
    • rurp 3 hours ago
      It's a really bad source compared to what? Downdetector is not perfect, but is usually correct when I check it. Official status pages on the other hand are usually wrong when I check them.
      • antonvs 2 hours ago
        “Correct” here presumably means “some other people are also experiencing problems.” For companies like large banks, with tens of millions of customers, that’s not necessarily very meaningful except for the people who happen to be experiencing the issue.
    • 4ndrewl 6 hours ago
      Alternatively, and from the top of the HSBC homepage

      "We would like to apologise for any inconvenience and continue to monitor the situation, which is also affecting other organisations."

  • bobbiechen 1 hour ago
    Anyone have a read on the implications for Digital Operational Resilience Act (DORA) compliance here? Google Cloud seems to be a critical third-party vendor for these financial institutions. The top penalties for DORA can be very expensive (% of worldwide revenue fines).
  • gentlerain 7 hours ago
    Countries talking about AI sovereignty, when they forgot compute sovereignty
    • Arbortheus 7 hours ago
      I think sovereignty might be the _cause_ of the banks' outages...

      This is affecting companies that put everything into a single GCP region in the UK for their entire business - aka most likely British companies or government with a data sovereignty requirement.

      • gentlerain 6 hours ago
        That's not sovereignty.

        Sovereignty is when there is a UK company with multiple data centres in the country.

        With that if one region goes down, another can carry on.

        • derektank 6 hours ago
          Redundancy does not seem like an inherent component of sovereignty
          • pwagland 5 hours ago
            The UK, at least, is big enough that you can have multiple regions within the same country. There's a lot of distance between Glasgow and London, for example. Maybe not enough if both are targeted with nuclear warheads, but at that point, we have bigger fish to fry I suspect.

            Most European countries have enough space within the country to do that, and, for most things, except banking typically, hosting within the EU is enough, it doesn't have to be within your own country.

            • pumplekin 5 hours ago
              Microsoft Azure has two entirely seperate regions.

              A "full function" one in/around London. And a "tickbox" one for multi-region requirements near Cardiff.

              The tickbox one has constant capacity constraints and a large number of Azure services aren't in it, but if you need to tick the "two regions and in country" requirement, you kinda/sorta can.

              • eddythompson80 5 hours ago
                Ah yes, Azure is the undisputed heavy weight champion of ticking theoretical boxes.
            • antonvs 2 hours ago
              > Maybe not enough if both are targeted with nuclear warheads, but at that point, we have bigger fish to fry I suspect.

              Wdym bigger fish, nuclear war has started and I can’t upload my video of a mushroom cloud to Tiktok!

          • lucideer 4 hours ago
            It isn't but that wasn't the point. It's that sovereignty & redundancy aren't mutually exclusive
          • gentlerain 6 hours ago
            True on first glance.

            But considering what these sovereignty rules aim to achive, and as someone mentioned, that the problem may be due to companies relying on a single region provided by a hypersclaler due to data sovereignity rules.

            Then redundancy has to be considered by both the company and the rulers.

        • philipwhiuk 5 hours ago
          That's not sovereignty, that's redundancy.

          Sovereignty is just where stuff is, not how many place it is there.

          • gentlerain 4 hours ago
            You are talking about the dictionary definition of the words.

            But this is supposed to be about practical.

            What's the purpose of ticking a box about housing data in UK when you can't make it available after a single incident.

            • wun0ne 3 hours ago
              You are confusing people with your loose application of the word. Are you advocating for redundancy (e.g multi-cloud) or physical sovereignty (e.g self-hosted)?
    • octocop 5 hours ago
      I think people have been fighting Googles monopolies for quite some time
      • expedition32 1 hour ago
        Which you can't. Unless the government steps in and demands that all ties with Burgerland are cut.
  • stymaar 2 hours ago
    Nobody has never been fired for using ~~IBM~~ ~~Oracle~~ Google.
  • bpavuk 3 hours ago
    I wonder if it's somehow related to me having to re-sign into my account after clearing Google Play Services data just a few hours ago.
  • Muromec 2 hours ago
    You can't hurt our mainframe running COBOL. Suck it zoomers!
  • BlackRabbit1 6 hours ago
    Most likely it knocked out the "Ing" bank in Germany.
    • AndroTux 5 hours ago
      Makes me wonder why an EU bank is keeping data outside the EU (from my understanding, only the London data center is down)?
      • traceroute66 3 hours ago
        > Makes me wonder why an EU bank is keeping data outside the EU (from my understanding, only the London data center is down)?

        Let me tell you a story about an idiot politician who woke up one day and thought Brexit would be a fantastic idea, and then the stupid dim-witted "ultra-hard brexit" manner in which it was implemented by a certain Mr Johnson.

        The same reason UK people can't open EU bank accounts is the same reason EU banks have separate operating companies and infrastructure in the UK.

        Given they operate in a heavily-regulated environment it almost certainly made life easier for them to keep UK stuff in the UK because they had no idea how (or if) the regulatory environment would ever progress beyond ultra-hard brexit.

      • BlackRabbit1 4 hours ago
        Maybe they mix it: serving fonts/pictures/etc over scalable cloud providers and hosting confidential data themself.
  • misstuned 6 hours ago
    I couldn't unlock a shared city bike this morning on the Beryl system, probably the same outage.
  • diamondDrill 5 hours ago
    how can cloud inf go down? that was the main selling point, it makes no sense
    • phyzome 3 hours ago
      It's literally just a bunch of computers in a couple of expensive buildings. Of course it can go down.
    • shim__ 5 hours ago
      Cloud is just an really expensive vps with an api, you still got to leverage that api to replicate your service
    • layer8 5 hours ago
      The main selling points were auto-scaling and not having to self-host. Or, on a higher level, outsourcing accountability, being able to point at someone else if something goes wrong, as exemplified by the present case.
      • mrweasel 5 hours ago
        The whole thing has always been strange. The outsourcing of accountability for instance has always been a pain. Technically that is what you're doing, but if you work in IT operatings and GCP or AWS takes down your service, your boss still tell you to fix it.... but now you can't.

        In terms of upfront costs, cloud is always cheaper, initially. There's sort of a weird sweet spot for cloud. If you're to small it makes no sense operationally, if you're to large, it just way to expensive.

        • NeutralWanted 4 hours ago
          *If you're large and have a constant, stable usage pattern it makes no sense.

          Even for large companies, if you have somewhat stable usage most of the year, but periodically have usage spikes, cloud providers still remain super beneficial.

          That's the whole selling point of cloud. Spins up the resources when you need them. Spin them down when you don't. Cloud thrives off companies spinning up resources and never spinning them down, even when they don't need them anymore.

        • vel0city 2 hours ago
          For tons of orgs that outsourcing of responsibility has always been a thing. Unless you own and manage the building and do your own on-site generation with your own energy storage and operate your own links to multiple external network paths out of your facility you're outsourcing something.

          If you're leasing in a building and put your equipment in it, you're usually outsourcing at least some of the facility management duties. What if the AC fails? What if there's a leak? Who manages the building's power contracts? Who handles on-site security? Do they own the generator and its maintenance or do you?

          If you're at a colo, you're outsourcing even more management of the actual datacenter work inside the building on top of the rest of the facility management. Who is managing access control? Are they providing network connectivity? Are they providing backup power?

          When the colo we were at lost power due to employees not following procedure while doing a power failover test (didn't match the phase), I still got the "you need to do something!" talk. Other than being ready to validate everything came up properly, there was nothing I could really do in the end though. We didn't have the budget to operate at multiple facilities, this was just an accepted risk. What, was I going to go out, negotitate a new datacenter contract, haul all the gear, rack it all up, and get it all deployed in the half hour or so they spent to validate things and get power restored?

    • InsidiousWombat 3 hours ago
      If you log in onto machine and make an error, a machine is down.

      If you put everything into configuration management, make scalable, redundant and interconnected servers and services built on top of it, you unlock amazing possibility of one error bringing hundreds if not thousands machines down.

      Nice lil reminder that adding more things for redundancy only increases it if they are entirely unrelated to eachother and independent.

      Which INCLUDES not running same software. You can have redundant switches, doesn't matter if they have software bug that triggers on all of them (or just one in a way that prevents network from working correctly).

      You can have database cluster that can tolerate node dying just fine but still be brought down by a bug despise redundancy.

    • dist-epoch 5 hours ago
      It makes no sense only if you believe in magic and marketing
    • Muromec 2 hours ago
      >clown infra
  • mistic92 6 hours ago
    Ah again London region :D
  • gaiagraphia 5 hours ago
    It's a little worrying that banking with an institution from one of the world's financial capitals is so vulnerable. I would've thought London would've been priding itself on security, stability, safety, etc. Confidence in their systems is their bread and butter

    Afaik, even Russia and Ukraine aren't having such issues while dealing with data centres getting droned, lol.

    It's really quite poor performance.

    • Muromec 2 hours ago
      >Afaik, even Russia and Ukraine aren't having such issues while dealing with data centres getting droned, lol.

      Not having issues is overstatment, but Ukraine has a cheat of having a backup DC on NATO soil, which helps a lot.

    • esseph 4 hours ago
      > Afaik, even Russia and Ukraine aren't having such issues while dealing with data centres getting droned, lol.

      They've had ~5yr to work on that.

      • gaiagraphia 3 hours ago
        London - having given itself a crown of 'financial capital', has had faaaaar longer, with a lot more resources. There's no excuse.

        The government should be resilience testing everything. Did Covid teach no lessons? Is the defence budget just for shits and giggles?

        • paweladamczuk 2 hours ago
          FWIW, being in Poland, I just used the Blik payment system to pay for my breakfast when my Revolut card got declined today.
  • rvz 6 hours ago
    Since there are no humans working on outages here is the test for superintelligence:

    Can someone ask Claude, Codex, Copilot, Antigravity, Devin to resolve this outage?

    No Googling or help from humans this time.

  • arbor-group 4 hours ago
    [flagged]
  • dortesedixson 4 hours ago
    [flagged]
  • pdfroll 4 hours ago
    [flagged]
  • pravex 5 hours ago
    [flagged]
  • Heronsunny 6 hours ago
    [dead]
  • josefritzishere 5 hours ago
    Let me draw a line between this and the Ukrainian bombing of Russian Yandex data centers. This is a sign of structural vulnerability. If one power failure can take down more than 5 banks, what you are describing is a valuable target. It's ironic that the cloud services that promised to harden systems have delivered another layer of vulnerability.
    • InsidiousWombat 3 hours ago
      > If one power failure can take down more than 5 banks, what you are describing is a valuable target. It's ironic that the cloud services that promised to harden systems have delivered another layer of vulnerability.

      Fair, but if all of those 5 banks bought their own servers and put them into a datacenter that happens to be same one because it's the fancy one that meets all the bank regulations and required certs, that datacenter going down would still make 5 banks go down.

      You would got some resiliency by fact only datacenter related issues (power, internet access) would affect it and not say "cloud company throwing AI at their code that proceeds to explode" (which already happened), but still, if you want to fix that, cloud or not, you have to have multiple locations/regions and that's both costly and difficult.

    • esseph 4 hours ago
      > It's ironic that the cloud services that promised to harden systems have delivered another layer of vulnerability.

      You misunderstand.

      This is a provider outage, but the services running on them by the customers (that went offline) were not designed or setup to be multi-region.

      The infra outage is GCPs fault, but application outages from customers are caused by their architecture and decisions prior to the outage.

  • onetokeoverthe 6 hours ago
    [dead]
  • nfrankel 5 hours ago
    Migrate to the Cloud, they said. It will be more resilient and less expensive, they said.
    • icedchai 5 hours ago
      Who's "they"? Someone from [cloud]'s professional services?
      • nfrankel 4 hours ago
        I think so indeed ;-)
  • bookofjoe 5 hours ago
    Ironic: yesterday X Money invited me to open an account — with a starting gift balance of $15. Deeper currents?
  • dangoodmanUT 5 hours ago
    At this point, the way I see it is:

    - There's AWS

    - There's Azure

    - There's everything else

    And I don't even use Azure, I just hear it's good (and they don't charge cross-AZ traffic)

    • esseph 5 hours ago
      GCP has by far had the least amount of outages and seemingly the best security.

      AWS behind, but with us-east-1 outages.

      Azure is extremely far behind those two, and mostly for non-tech legacy shops that got suckered.

      I won't touch oracle cloud.

    • jiggawatts 5 hours ago
      Azure’s design is elegant and even — dare I say it — beautiful.

      Its implementation is clumsy and ugly.

      Its documentation is worse.

      Its support… isn’t.

      • eddythompson80 5 hours ago
        I think Azure’s design is fine. Some cool ideas that work, some “cool ideas” that are a pain in the ass. The implementation is complete dog shit. Barely anything works the way it’s supposed to, and when something works, better not touch it or you can’t touch it. Many times the answer is “why don’t you delete everything and try this other thing?”

        The documentation is indeed worst than that still. It’s a maze of articles, none of them actually answer your questions because in Azure the answer to everything is “it depends”. Every doc page has to also be a sales pitch for something. They love inventing skus and features that are basically “now if you want this service to work, you must enable this feature. Otherwise, this is not supported. And to enable this feature, you must delete and recreate your instance” you know, just figure it out.