Business Banking · reliability comparison
Monzo Business vs Tide: which is more reliable? (2026)
Monzo Business is more reliable than Tide, scoring 99.6 vs 95.9 out of 100. Over the last 90 days Monzo Business reported 1 incident and Tide reported 11, with effective uptime of 100% and 100% respectively.
Data updated Nov 1, 2026 · How we score
| Metric | Monzo Business | Tide |
|---|---|---|
| Reliability score | 99.6 | 95.9 |
| Rank (business banking providers) | #1 | #2 |
| Uptime (90 days) | 100% | 100% |
| Incidents (90 days) | 1 | 11 |
| Partial / major outages | 0 | 0 |
| Avg time to resolve | — | — |
| Outages we detected | 0 | 0 |
| Transparency score | 100/100 | 100/100 |
Where Monzo Business and Tide differ
- Tide reported 11× as many incidents as Monzo Business over the last 90 days (11 vs 1).
- Monzo Business's longest outage on record lasted 29m (Jan 13, 2026); Tide's lasted 3d (Sep 24, 2026).
90-day uptime
Monzo Business
Tide
- 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 Tide incidents
- InformationalOct 30, 2026 · resolved in 57m
- InformationalOct 6, 2026 · resolved in 3h 58m
- InformationalSep 25, 2026 · resolved in 37m
- InformationalSep 24, 2026 · resolved in 4d 1h
- InformationalSep 18, 2026 · resolved in 1h 3m
- InformationalSep 10, 2026 · resolved in 5d 17h
Other business banking providers to consider
- Rho · #3 · 99.96% 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 →