Business Banking · reliability comparison
Mercury vs Relay: which is more reliable? (2026)
Relay is more reliable than Mercury, scoring 80.0 vs 56.6 out of 100. Over the last 90 days Mercury reported 5 incidents and Relay reported 0, with effective uptime of 99.22% and 100% respectively.
Data updated Nov 2, 2026 · How we score
| Metric | Mercury | Relay |
|---|---|---|
| Reliability score | 56.6 | 80.0 |
| Rank (business banking providers) | #4 | — |
| Uptime (90 days) | 99.22% | 100% |
| Incidents (90 days) | 5 | 0 |
| Partial / major outages | 0 | 0 |
| Avg time to resolve | 19h | — |
| Outages we detected | 0 | 0 |
| Transparency score | 100/100 | 0/100 |
Where Mercury and Relay differ
- Relay reported no incidents in the last 90 days, while Mercury reported 5.
90-day uptime
Mercury
Relay
- 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: Check Deposits, Bill Pay & Invoicing, Integrations & API, Money Movement
- Degraded performanceSep 1, 2026 · resolved in 38m
Intermittent Inbound & Outbound Call Disruption
Affected: Support
Recent Relay incidents
No incidents reported by Relay in the last 90 days.
Other business banking providers to consider
- Monzo Business · #1 · 100% uptime
- Tide · #2 · 100% uptime
- Rho · #3 · 99.96% uptime
- Airwallex · #5 · 98.43% uptime
See the full most reliable business banking providers ranking →