American Express and Monzo both delivered perfect uptime during the week of 20 April 2026, with zero incidents and zero minutes of downtime. However, Monzo responded to requests 32ms faster on average, completing transactions in 58ms versus Amex's 90ms.
- Both providers achieved 100% uptime with zero incidents during monitoring period
- Monzo's average response time was 58ms, 32ms faster than American Express at 90ms
- Zero total downtime recorded for both services across the full week
- Data collected by Uptrue's independent monitoring infrastructure
Uptime This Week
Both American Express and Monzo maintained perfect 100% uptime throughout the monitored period with no service interruptions. Neither provider experienced any recorded incidents or downtime events. This represents optimal performance for financial services platforms where availability is critical.
Response Time
Monzo demonstrated faster response times at 58ms average, while American Express averaged 90ms. For banking applications, both response times fall within acceptable ranges, though Monzo's 32ms advantage may provide a marginally better user experience during peak transaction periods.
Incidents & Downtime
Zero incidents were recorded for both providers during the monitoring week. Neither service experienced any measurable downtime, indicating stable infrastructure and effective redundancy systems at both organizations.
Which Should You Choose?
For uptime reliability alone, both providers are equivalent. Choose based on response time requirements: Monzo if sub-70ms latency is critical for your use case, otherwise both are operationally sound. Verify current performance independently given the dynamic nature of financial infrastructure.
All uptime, response time, and incident data is collected by Uptrue's independent monitoring infrastructure. HTTP checks run every 5 minutes. An incident is recorded only after 2+ consecutive failed checks. Uptrue is not affiliated with any monitored service. For corrections: reports@uptrue.io