Business Banking · reliability comparison
Monzo Business vs Wise Business: which is more reliable? (2026)
Monzo Business is more reliable than Wise Business, scoring 99.6 vs 37.6 out of 100. Over the last 90 days Monzo Business reported 1 incident and Wise Business reported 5, with effective uptime of 100% and 96.66% respectively.
Data updated Nov 1, 2026 · How we score
| Metric | Monzo Business | Wise Business |
|---|---|---|
| Reliability score | 99.6 | 37.6 |
| Rank (business banking providers) | #1 | #7 |
| Uptime (90 days) | 100% | 96.66% |
| Incidents (90 days) | 1 | 5 |
| Partial / major outages | 0 | 1 |
| Avg time to resolve | — | 1d 12h |
| Outages we detected | 0 | 0 |
| Transparency score | 100/100 | 100/100 |
Where Monzo Business and Wise Business differ
- Wise Business reported 5× as many incidents as Monzo Business over the last 90 days (5 vs 1).
- Wise Business had 1 partial or major outage, compared with 0 for Monzo Business.
- Monzo Business's longest outage on record lasted 29m (Jan 13, 2026); Wise Business's lasted 3d (Aug 24, 2026).
90-day uptime
Monzo Business
Wise Business
- No incidents
- Degraded
- Partial outage
- Major outage
- No data
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
Recent Wise Business incidents
- InformationalSep 28, 2026 · resolved in 1h 59m
Issue impacting transaction processing
Affected: 💸 Payments
- InformationalSep 16, 2026 · resolved in 54m
Affected: 📱 Mobile App, 📰 Website, 💱 Account, 💸 Payments, 💳 Debit Card, 🔗 API
- Degraded performanceSep 1, 2026 · resolved in 17m
Affected: 💸 Payments, 💳 Debit Card, 🔗 API
- InformationalAug 24, 2026 · resolved in 21m
Affected: 📱 Mobile App, 📰 Website, 💱 Account
- Major outageAug 24, 2026 · resolved in 24d 22h
Delayed AED paymentsofficial update ↗
Affected: 💸 Payments, 🔗 API
Other business banking providers to consider
- Tide · #2 · 100% uptime
- Rho · #3 · 99.96% uptime
- Mercury · #4 · 99.22% uptime
- Airwallex · #5 · 98.43% uptime
See the full most reliable business banking providers ranking →