Numerous methods are available for the assessment of masonry arch bridges at the ultimate limit state, however there is a lack of suitable methods for assessing behaviour at service levels of loading. To address this, nonlinear three dimensional finite element models which consider constitutive material models enabling progressive cracking and failure of the complete structural system were used to investigate the development of damage for three masonry arch bridges at both service levels and at the ultimate capacity. All of the elements contributing to the strength of structure were represented in the models including the arch barrel, spandrel, abutments, fill and surrounding soil. This allowed for consideration of the longitudinal and transverse capacities, the stiffening effects of the spandrel walls, the restraint and load distribution provided by the fill, the frictional behaviour between the masonry and fill, movement at the abutments and multiple causes of failure. While complex nonlinear finite element models are able to identify the ultimate load capacity there are alternate simpler approaches available for this, and it is the investigation of damage and crack propagation at service level loads where their use is of greatest benefit. Notation: c cohesion f1 ultimate compressive strength for a state of biaxial compression superimposed on the ambient hydrostatic stress state f2 ultimate compressive strength for a state of uniaxial compression superimposed on the ambient hydrostatic stress state fc ultimate uniaxial compressive strength fcb ultimate biaxial compressive strength ft ultimate uniaxial tensile strength E Young's modulus βt shear transfer coefficient for an open crack βc shear transfer coefficient for a closed crack µ coefficient of friction ν Poisson's ratio ρ density σh hydrostatic stress state σh a ambient hydrostatic stress state σxp, σyp, σzp principal stresses in principal directions ϕ angle of internal friction ϕf angle of dilatancy