Business Banking · reliability comparison
Airwallex vs Monzo Business: which is more reliable? (2026)
Monzo Business is more reliable than Airwallex, scoring 99.6 vs 50.8 out of 100. Over the last 90 days Airwallex reported 7 incidents and Monzo Business reported 1, with effective uptime of 98.43% and 100% respectively.
Data updated Nov 1, 2026 · How we score
| Metric | Airwallex | Monzo Business |
|---|---|---|
| Reliability score | 50.8 | 99.6 |
| Rank (business banking providers) | #5 | #1 |
| Uptime (90 days) | 98.43% | 100% |
| Incidents (90 days) | 7 | 1 |
| Partial / major outages | 3 | 0 |
| Avg time to resolve | 10h 41m | — |
| Outages we detected | 0 | 0 |
| Transparency score | 100/100 | 100/100 |
Where Airwallex and Monzo Business differ
- Airwallex reported 7× as many incidents as Monzo Business over the last 90 days (7 vs 1).
- Airwallex had 3 partial or major outages, compared with 0 for Monzo Business.
- Airwallex's longest outage on record lasted 2d 15h (Oct 3, 2026); Monzo Business's lasted 29m (Jan 13, 2026).
90-day uptime
Airwallex
Monzo Business
- No incidents
- Degraded
- Partial outage
- Major outage
- No data
Recent Airwallex incidents
- Partial outageOct 27, 2026 · resolved in 12m
Partial outage on FX conversion-quote service
Affected: Transactional FX, Payouts
- Degraded performanceOct 16, 2026 · resolved in 8h 44m
Third-party outage causing PIX payment failures
Affected: Payments, Payouts
- Degraded performanceOct 9, 2026 · resolved in 1h 32m
Third-party outage causing Alipay, Wechat Pay, PayMe and PIX payment failures
Affected: Payments
- Partial outageOct 3, 2026 · resolved in 2d 15h
Third-party outage causing delays in processing some USD depositsofficial update ↗
Affected: Global Accounts
- Degraded performanceSep 16, 2026 · resolved in <1m
Affected: Payments
- Degraded performanceSep 14, 2026 · resolved in <1m
Affected: Web App, Singapore
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
- Mercury · #4 · 99.23% uptime
- Brex · #6 · 97.69% uptime
See the full most reliable business banking providers ranking →