Business Banking · reliability comparison
Monzo Business vs Rho: which is more reliable? (2026)
Monzo Business is more reliable than Rho, scoring 99.6 vs 95.8 out of 100. Over the last 90 days Monzo Business reported 1 incident and Rho reported 1, with effective uptime of 100% and 99.96% respectively.
Data updated Nov 1, 2026 · How we score
| Metric | Monzo Business | Rho |
|---|---|---|
| Reliability score | 99.6 | 95.8 |
| Rank (business banking providers) | #1 | #3 |
| Uptime (90 days) | 100% | 99.96% |
| Incidents (90 days) | 1 | 1 |
| Partial / major outages | 0 | 1 |
| Avg time to resolve | — | 45m |
| Outages we detected | 0 | 0 |
| Transparency score | 100/100 | 100/100 |
Where Monzo Business and Rho differ
- Rho had 1 partial or major outage, compared with 0 for Monzo Business.
- Monzo Business's longest outage on record lasted 29m (Jan 13, 2026); Rho's lasted 45m (Oct 19, 2026).
90-day uptime
Monzo Business
Rho
- 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 Rho incidents
- Major outageOct 19, 2026 · resolved in 45m
Card Swipes and Payments are downofficial update ↗
Affected: Corporate Cards
Other business banking providers to consider
- Tide · #2 · 100% uptime
- Mercury · #4 · 99.22% uptime
- Airwallex · #5 · 98.43% uptime
- Brex · #6 · 97.69% uptime
See the full most reliable business banking providers ranking →