Business Banking · reliability comparison
Mercury vs Monzo Business: which is more reliable? (2026)
Monzo Business is more reliable than Mercury, scoring 99.6 vs 56.6 out of 100. Over the last 90 days Mercury reported 5 incidents and Monzo Business reported 1, with effective uptime of 99.23% and 100% respectively.
Data updated Nov 2, 2026 · How we score
| Metric | Mercury | Monzo Business |
|---|---|---|
| Reliability score | 56.6 | 99.6 |
| Rank (business banking providers) | #4 | #1 |
| Uptime (90 days) | 99.23% | 100% |
| Incidents (90 days) | 5 | 1 |
| Partial / major outages | 0 | 0 |
| Avg time to resolve | 19h | — |
| Outages we detected | 0 | 0 |
| Transparency score | 100/100 | 100/100 |
Where Mercury and Monzo Business differ
- Mercury reported 5× as many incidents as Monzo Business over the last 90 days (5 vs 1).
- Mercury's longest incident on record lasted 3d (Oct 7, 2026); Monzo Business's lasted 29m (Jan 13, 2026).
90-day uptime
Mercury
Monzo Business
- No incidents
- Degraded
- Partial outage
- Major outage
- No data
Recent Mercury incidents
- InformationalOct 27, 2026 · resolved in <1m
- MaintenanceOct 16, 2026 · ongoing
Planned maintenance on October 18: Rescheduled
Affected: Account Access, Money Movement , Integrations & API
- Degraded performanceOct 7, 2026 · resolved in 6d 17h
Failed Investments Wire Transfers Out for Some Customers
Affected: Mercury Treasury
- Degraded performanceOct 2, 2026 · resolved in 1h 18m
Issues Revealing Card Details on Web and Mobile
Affected: Cards
- Degraded performanceSep 2, 2026 · resolved in 2h 5m
Account Actions Experiencing Delays
Affected: Bill Pay & Invoicing, Integrations & API, Money Movement , Check Deposits
- Degraded performanceSep 1, 2026 · resolved in 38m
Intermittent Inbound & Outbound Call Disruption
Affected: Support
Recent Monzo Business incidents
- InformationalAug 19, 2026 · resolved in 3h 44m
We are experiencing platform issues
Affected: 📱 Monzo App, 💸 Outbound Bank Transfers, 💰 Inbound Bank Transfers
Other business banking providers to consider
- Tide · #2 · 100% uptime
- Rho · #3 · 99.96% uptime
- Airwallex · #5 · 98.43% uptime
- Brex · #6 · 97.69% uptime
See the full most reliable business banking providers ranking →