Business Banking · 2026 reliability ranking
Most Reliable Business Banking Providers (2026)
We ranked 15 business banking providers by real-world reliability over the last 90 days, using 39 status page incidents and our own around-the-clock uptime checks. When a business banking app goes down, you can't log in to check balances, approve payments or send payroll, and card declines can stop staff from buying what they need. A delayed transfer can mean a missed supplier payment, a late payroll run or fees on a bounced payment. Online-only banks have no branch to fall back on, so their app, card processing and payment rails are the business account.
Last updated Nov 2, 2026 · How we score
| # | Vendor | Score | Uptime (90d) |
|---|---|---|---|
| 1 | Monzo BusinessMonzo Business is the business current account from Monzo Bank, a UK-licensed digital bank headquartered in London.Visit site ↗ | 99.6 | 100% |
| 2 | TideTide is a London-based business financial platform offering business current accounts to UK small businesses.Visit site ↗ | 95.9 | 100% |
| 3 | RhoRho is a New York-based business banking and spend management platform offering accounts, corporate cards and payments through partner banks.Visit site ↗ | 95.8 | 99.96% |
| 4 | MercuryMercury is a San Francisco-based financial technology company offering online business bank accounts, cards and treasury through partner banks.Visit site ↗ | 56.6 | 99.22% |
| 5 | AirwallexAirwallex is a Melbourne-founded, Singapore-headquartered global payments company offering multi-currency business accounts, cards and payouts.Visit site ↗ | 50.8 | 98.43% |
| 6 | BrexBrex is a San Francisco-based corporate card, spend management and business banking platform.Visit site ↗ | 40.0 | 97.69% |
| 7 | Wise BusinessWise Business is the multi-currency business account from Wise, the London-based international money transfer company.Visit site ↗ | 37.6 | 96.66% |
Business Banking reliability at a glance
- Across the 7 ranked business banking providers, average 90-day uptime is 98.85%. Reliability scores range from 99.6 (Monzo Business) to 37.6 (Wise Business).
- Together they published 39 incidents in the last 90 days, 14 of them partial or major outages.
- The typical vendor takes 10h 41m to resolve an incident. Rho is fastest, at 45m on average.
- Tide reported the most incidents (11 in 90 days).
What to check before you choose a business bank account
- Check which components fail most often. Card authorisation and outgoing payment outages stop you paying staff and suppliers; a slow statement export doesn't.
- Look at how long payment delays last. A transfer stuck for a few hours is an annoyance, but one stuck overnight can make payroll late.
- Keep a backup way to pay: a second account or card at a different provider means one outage doesn't freeze your spending.
- Subscribe to the provider's status page and note its support channels, since an app outage can also block in-app chat.
90-day uptime history
Each bar is one day. Hover a bar for that day's uptime and incidents.
1. Monzo Business
100% uptime · 1 incidents · avg resolve —2. Tide
100% uptime · 11 incidents · avg resolve —3. Rho
99.96% uptime · 1 incidents · avg resolve 45m4. Mercury
99.22% uptime · 5 incidents · avg resolve 19h5. Airwallex
98.43% uptime · 7 incidents · avg resolve 10h 41m6. Brex
97.69% uptime · 9 incidents · avg resolve 10h 9m7. Wise Business
96.66% uptime · 5 incidents · avg resolve 1d 12h- No incidents
- Degraded
- Partial outage
- Major outage
- No data
Being tracked (not ranked yet)
These vendors join the ranking once we have enough evidence: at least 14 days of data, and for vendors with a quiet status page (silent for a year, or for 90 days while their competitors report several incidents), 30 days of our own independent monitoring.
- Starling Business · quiet status page, awaiting our own monitoring
- Qonto
- Revolut Business
- Bluevine · no public status page
- Found · no public status page
- Lili · no public status page
- Novo · no public status page
- Relay · no public status page
Recent Business Banking incidents
Partial outage on FX conversion-quote service
Affected: Transactional FX, Payouts
Card Swipes and Payments are downofficial update ↗
Affected: Corporate Cards
Third-party outage causing PIX payment failures
Affected: Payments, Payouts
Third-party outage causing Alipay, Wechat Pay, PayMe and PIX payment failures
Affected: Payments
Failed Investments Wire Transfers Out for Some Customers
Affected: Mercury Treasury
Head-to-head comparisons
- Monzo Business vs Tide reliability
- Monzo Business vs Rho reliability
- Monzo Business vs Mercury reliability
- Monzo Business vs Airwallex reliability
- Tide vs Rho reliability
- Tide vs Mercury reliability
- Tide vs Airwallex reliability
- Rho vs Mercury reliability
- Rho vs Airwallex reliability
- Mercury vs Airwallex reliability
Related rankings
Frequently asked questions
What is the most reliable business bank account?
Based on the last 90 days of data, Monzo Business is the most reliable business bank account we track, with a reliability score of 99.6/100 and 100% uptime.
How do you measure business bank account reliability?
We poll each vendor's public status page every few minutes, record every incident, and run our own uptime checks against each vendor's login and customer-facing pages. Uptime (40%), incident frequency (20%), average time to resolve (20%) and transparency (20%) combine into one score out of 100.
How often are these rankings updated?
Continuously. Status pages and uptime checks run every five minutes and scores are recalculated several times an hour.
Can vendors pay to rank higher?
No. Sponsored placements are clearly labelled, shown separately from the rankings and never change a vendor's score.