At the time of writing there were 209 reports of problems with Lloyds' service on the website Down Detector.
The majority (64 per cent) were reporting problems with the bank's internet service, while 23 per cent were experiencing issuers with Lloyds' mobile banking.
It seems users in London and the south are most affected.
One Twitter user wrote: "How can you guys not be aware that there’s problems with online banking? It’s been down since late last night."
Another user wrote: "Is the app down? Cannot log in – been trying since 6am."
Someone else commented: "The website is down and so is the mobile app. None of them are working. Tried my phone, and on two different laptops."
The Sun has asked Lloyds Bank for a comment on the problems and we'll update this story as soon as we get one.
According to the bank's website, internet banking, mobile banking and tablet banking were scheduled to be down for maintenance between between 10.30pm on Friday February 8 and 6am on Saturday February 9.
Customers of Halifax, which is part of Lloyds Banking Group, don't appear to be affected by this morning's outage.
Lloyds last experienced an outage in November when hundreds of customers were left unable to access their cash or accounts.
Your rights when your banking goes down
Will your expenses be covered? If you suffer knock-on costs you should make a note of dates, keep receipts and a log of how much you've been left out of pocket. The bank may reimburse you.
What are the alternatives? Visit a branch or try telephone banking if you urgently need to access cash.
How to complain about your bank? Firstly, complain to Lloyds Bank. If the problem is not resolved to your satisfaction after eight weeks then you can complain to the free Financial Ombudsman Service.
Lloyds Bank was slammed just last month for making overdraft fees more expensive and complicated for customers.
The bank also announced plans last autumn to close yet more branches.
Meanwhile, one Lloyds bank customer claims he was offered £50 to silence him after staff member called him "a gay fairy".
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