Microsoft 365 Outage Disrupts Email at Six Thai Banks, Generali and Stock Exchange

Thai financial services stay open as email fails

Six Thai banks reported temporary email disruptions on 13 November 2026 as a worldwide Microsoft 365 outage interrupted business communications. Generali warned that insurance claim documents for hospital admissions and discharges could take longer to process, while the Stock Exchange of Thailand said its trading and other core systems remained operational.

Krungthai Bank, Bangkok Bank, Siam Commercial Bank, Kasikornbank, TMBThanachart Bank and Krungsri directed customers to telephone lines, relationship managers, branches and digital channels. Mobile banking, ATM services and transfers between banks continued functioning.

The disruption reached beyond Thailand's financial sector. Microsoft services experienced problems in at least 74 countries, affecting businesses and government operations. Outlook email, Teams workplace communications and the Copilot artificial intelligence assistant were among the services affected.

Microsoft attributed the problems to overloaded infrastructure and server failures, and said the incident was not a cyberattack. Efforts to restore services had continued for more than half a day, with some recovery measures taking longer than expected.

What customers could still do

Thailand's banks described a failure of email communications while keeping financial services available through other channels. Customers could continue using banking apps, withdrawing money at ATMs and transferring funds between banks.

Email remained a practical problem for people waiting for replies or submitting documents. Krungthai specifically directed customers with urgent requests, including those awaiting an email response, to call their relationship manager or its contact centre.

Customers preparing to send important documents were advised to wait until Microsoft's email service returned to normal. For an urgent matter, the banks provided alternative contacts so customers could speak to staff about how to proceed.

Contact details for Krungthai, Bangkok Bank and KBank

Krungthai said its email system could not send and receive messages normally. Customers could telephone their relationship manager directly or call the Krungthai Contact Center at 0-2111-1111, which operates 24 hours a day.

Bangkok Bank confirmed on 13 November that its email was temporarily unavailable because of the worldwide Microsoft 365 disruption. Customers could contact relationship staff, business offices or branches nationwide, or call 1333 or 0-2645-5555.

Kasikornbank directed customers to its KBank Live account on LINE, using @kbanklive, or the K-Contact Center at 0-2888-8888. Business customers could call the K-BIZ Contact Center at 0-2888-8822 or telephone their relationship manager.

KBank's K PLUS app also remained an available channel. Together, these alternatives gave customers ways to continue transactions and reach staff while email communications were interrupted.

SCB suspends three email addresses

Siam Commercial Bank temporarily suspended customer contact through three addresses: [email protected], [email protected] and [email protected]. The suspension was to last until the situation returned to normal.

Personal customers could call the SCB Call Center at 0-2777-7777, send a message through SCB Thailand on Facebook, or contact a live agent through SCB Connect on LINE. Business customers could call 0-2722-2222, while merchants could reach the Merchant Call Center at 0-2777-7444.

SCB said its SCB EASY app, SCB Business Anywhere, SCB Business Net and Mae Manee app remained operational. Branches and ATMs also continued serving customers. The bank's notice separated the unavailable email addresses from the financial services customers could still use.

Krungsri and ttb offer alternative channels

Krungsri also reported that its email system was temporarily unable to send and receive messages. The bank said financial services remained available and listed different contact routes for personal banking, business banking, vehicle finance and consumer credit customers.

Personal customers could call the Krungsri Call Center at 1572. Business customers could call 0-2296-6262 or 0-2626-2626, or contact their business relationship manager directly.

Krungsri Auto customers could call 0-2740-7400. Krungsri Consumer customers were directed to the service number printed on the back of their credit card. The bank also listed its Krungsri Simple Facebook channel.

TMBThanachart Bank, known as ttb, directed customers to staff through ttb touch, its Yindee customer service line at 1428, or an open branch. The alternatives allowed customers to seek assistance without waiting for email service to resume.

Generali warns of delays around hospital care

Generali said the outage could delay the processing of insurance claim documents connected with both hospital admissions and discharges. Customers needing assistance could call its Customer First service at 1394.

For patients and families, the immediate concern was the handling of paperwork around entering or leaving hospital. Generali's warning concerned the time needed to process those documents, making direct contact particularly useful for anyone facing an urgent admission or discharge.

The insurer's notice showed how an office communications failure could affect a service beyond banking. A customer might still be able to make a payment through a bank app while waiting longer for an insurer to handle documents sent through a disrupted communications system.

Stock exchange keeps its core systems running

The Stock Exchange of Thailand said securities trading, settlement, securities depository services and listed company disclosures continued operating normally. Settlement is the process of completing a trade by exchanging payment and securities. A securities depository keeps electronic records of securities holdings.

Thiraphan Sappakit, the exchange's deputy manager and head of information technology, said the outage affected only email reception. The exchange's email system operates separately from its trading platform and other core systems.

The exchange prepared alternative communication channels to maintain operations. Thiraphan also said it regularly assessed risks and prepared contingency measures to keep securities trading running.

That separation explains the different experiences within Thailand's financial sector. Email reception could fail at the exchange while investors continued trading, just as bank customers could use mobile banking while staff and customers struggled to exchange messages.

Microsoft describes overloaded servers

Microsoft said parts of its infrastructure were experiencing elevated demand and that several servers failed automated health checks. Those checks are routine tests used to identify whether computers supporting a service are working properly.

When some servers stopped working, the remaining machines had to handle more activity. Microsoft linked that heavier load to connection errors affecting its services. Attempts to bring servers back online did not immediately produce the expected recovery.

Microsoft initially described positive results from restarting services, then said several hours later that the measures had fallen short of expectations and more repairs were needed. Its Microsoft 365 Status account described the continuing effort:

We're aggressively pursuing all pathways to reduce impact,

Microsoft said it had restored Teams in North America, although some users continued to experience connection problems. Recovery therefore varied by service and location while work continued.

Disruption reaches governments and other technology companies

Nearly 130,000 Outlook problem reports appeared on the outage tracking service Downdetector just after 1 p.m. Eastern Standard Time on Thursday. Users described being unable to send or receive email, or load their inboxes. Thousands also reported trouble with Teams, Copilot and other Microsoft 365 services.

Problems continued into Thursday night in the United States and Friday morning in Asia. Government systems in Singapore and Japan, Australian intelligence services and the communications system of the Philippine Supreme Court were among those affected.

Japan's deputy chief cabinet secretary, Masanao Ozaki, said the outage had affected government information technology infrastructure. He described the government's response:

keeping a close eye on the developments.

OpenAI and Anthropic also experienced problems linked to Microsoft infrastructure. Their difficulties extended the disruption beyond Microsoft's own branded applications to other services dependent on that infrastructure.

Microsoft's services had about 430 million users worldwide. The exact number affected, the precise start time of the disruption and a timetable for full restoration had not been disclosed.

How the outage unfolded

The disruption crossed time zones, beginning with heavy complaint volumes during Thursday in the United States and continuing into the working day in Thailand and other parts of Asia on Friday.

• Thursday, shortly after 1 p.m. Eastern Standard Time: Outlook problem reports on Downdetector reached nearly 130,000.
• During the recovery effort: Microsoft reported server failures and heavy infrastructure loads. It announced that Teams had been restored in North America, while some connection problems continued.
• Friday, 13 November: Thai banks announced temporary email problems and directed customers to other channels. Generali warned of possible delays in processing hospital claim documents.
• 13 November, 2:50 p.m. in Bangkok: Prime Minister Anutin Charnvirakul said he would check details after being asked whether the disruption involved a cyberattack.

Anutin, who also served as interior minister, said he had just returned from welcoming Chinese Premier Li Qiang and had not yet received information about the email problems. Microsoft's own explanation attributed the outage to infrastructure failures and ruled out a cyberattack.

For customers, the immediate course was to use the alternative channels each institution had announced. People waiting for a bank response could telephone staff, while Generali customers with urgent hospital paperwork could contact Customer First at 1394.

Key Points

• Six Thai banks reported temporary email disruptions on 13 November 2026 during a worldwide Microsoft 365 outage.
• Banking apps, ATMs, transfers between banks and branch services remained available.
• Generali warned that claim documents for hospital admissions and discharges could take longer to process.
• The Stock Exchange of Thailand said email reception was affected, while trading, settlement, depository and disclosure systems stayed operational.
• Microsoft attributed the disruption to overloaded infrastructure and server failures, and said it was not a cyberattack.
• The outage affected services in at least 74 countries, including government operations and other technology companies.