Amex vs Starling Bank Uptime — Week of 20 April 2026

American Express and Starling Bank both achieved perfect uptime during the week of 20 April 2026, with zero incidents and zero minutes of downtime. However, American Express delivered significantly fa

🏦 Amex vs Starling Bank BANKING & FINANCE · UPTRUE.IO RELIABILITY DATA Week of 20 April 2026
🏦 Banking & Finance Weekly Comparison

American Express and Starling Bank both achieved perfect uptime during the week of 20 April 2026, with zero incidents and zero minutes of downtime. However, American Express delivered significantly faster response times at 90ms compared to Starling Bank's 355ms average.

TL;DR
  • Both providers maintained 100% uptime with zero incidents during the monitoring period
  • American Express responded 4x faster on average: 90ms vs Starling Bank's 355ms
  • Zero downtime minutes recorded across both services
  • All data collected via Uptrue's independent monitoring infrastructure

Uptime This Week

Amex 100.00% Starling Bank 100.00% HTTP checks every 5 min · 7-day period · Uptrue independent monitoring

Both American Express and Starling Bank maintained perfect 100% uptime throughout the week of 20 April 2026. Neither provider experienced any measurable downtime or service interruptions during the monitoring period.

Response Time

Amex 90ms Starling Bank 355ms Lower is better · Median TTFB · Excludes model inference time

American Express delivered significantly faster response times at 90ms average, while Starling Bank averaged 355ms—a 265ms differential. For Banking & Finance applications where latency impacts user experience, American Express's sub-100ms response demonstrates stronger performance characteristics.

Incidents & Downtime

Amex No incidents Starling Bank No incidents Incident = 2+ consecutive failed checks · 7-day window

No incidents were recorded for either provider during the monitoring period. Both services operated without interruption, with zero total downtime minutes and zero tracked incident events.

Historical Context
Banking & Finance services typically maintain high reliability standards due to regulatory requirements and customer expectations, though response time performance can vary significantly between institutions based on infrastructure architecture and geographic distribution.

Which Should You Choose?

Choose American Express for response-time-sensitive applications requiring sub-100ms latency. Starling Bank remains a viable option for use cases where 350ms+ response times are acceptable, particularly given its perfect uptime record. Both providers demonstrated reliability during this period.

About This Data
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

Frequently Asked Questions

Which provider is more reliable?
During the week of 20 April 2026, both providers were equally reliable with 100% uptime and zero incidents. American Express edges ahead on performance metrics with faster response times, but reliability records are identical.
How often does Starling Bank go down?
Starling Bank recorded zero downtime incidents during the monitored week of 20 April 2026. Based on Uptrue's independent monitoring, the service maintained continuous availability throughout the period.
How is this data collected?
All uptime, response time, and incident data comes from Uptrue's independent monitoring infrastructure. We track availability and performance metrics continuously without relying on provider-reported figures, ensuring objective, third-party verification.
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