Business Banking · reliability comparison
Brex vs Monzo Business: which is more reliable? (2026)
Monzo Business is more reliable than Brex, scoring 99.6 vs 40.0 out of 100. Over the last 90 days Brex reported 9 incidents and Monzo Business reported 1, with effective uptime of 97.69% and 100% respectively.
Data updated Nov 1, 2026 · How we score
| Metric | Brex | Monzo Business |
|---|---|---|
| Reliability score | 40.0 | 99.6 |
| Rank (business banking providers) | #6 | #1 |
| Uptime (90 days) | 97.69% | 100% |
| Incidents (90 days) | 9 | 1 |
| Partial / major outages | 9 | 0 |
| Avg time to resolve | 10h 9m | — |
| Outages we detected | 0 | 0 |
| Transparency score | 100/100 | 100/100 |
Where Brex and Monzo Business differ
- Brex reported 9× as many incidents as Monzo Business over the last 90 days (9 vs 1).
- Brex had 9 partial or major outages, compared with 0 for Monzo Business.
- Brex's longest outage on record lasted 3d (Oct 20, 2026); Monzo Business's lasted 29m (Jan 13, 2026).
90-day uptime
Brex
Monzo Business
- No incidents
- Degraded
- Partial outage
- Major outage
- No data
Recent Brex incidents
- Partial outageOct 20, 2026 · resolved in 10d
- Major outageOct 2, 2026 · resolved in <1m
- Major outageSep 30, 2026 · resolved in 34m
Admin home page load error spikeofficial update ↗
Affected: Home Page
- Partial outageSep 21, 2026 · resolved in <1m
Unexpected invalidation of some Developer API Tokens
Affected: Partner API, Authentication
- Partial outageSep 15, 2026 · resolved in 3h 8m
Transaction statuses on your Accounting pages may be out of date, causing some transactions to appear in the wrong tab.official update ↗
Affected: Spend Management
- Partial outageSep 1, 2026 · resolved in 8h 8m
Trust Portal (trust-portal.brex.com) is downofficial update ↗
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 · 99.22% uptime
- Airwallex · #5 · 98.43% uptime
See the full most reliable business banking providers ranking →