Business Banking · reliability comparison
Monzo Business vs Relay: which is more reliable? (2026)
Monzo Business is more reliable than Relay, scoring 99.6 vs 80.0 out of 100. Over the last 90 days Monzo Business reported 1 incident and Relay reported 0, with effective uptime of 100% and 100% respectively.
Data updated Nov 1, 2026 · How we score
VS
| Metric | Monzo Business | Relay |
|---|---|---|
| Reliability score | 99.6 | 80.0 |
| Rank (business banking providers) | #1 | — |
| Uptime (90 days) | 100% | 100% |
| Incidents (90 days) | 1 | 0 |
| Partial / major outages | 0 | 0 |
| Avg time to resolve | — | — |
| Outages we detected | 0 | 0 |
| Transparency score | 100/100 | 0/100 |
Where Monzo Business and Relay differ
- Relay reported no incidents in the last 90 days, while Monzo Business reported 1.
90-day uptime
Monzo Business
Relay
- 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 Relay incidents
No incidents reported by Relay in the last 90 days.
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 →