Uptrue's independent monitoring for the week of 20 April 2026 reveals a stark contrast between Mastercard and Monzo. Mastercard recorded 0% uptime with no response data available, while Monzo maintained 100% uptime with a 58ms average response time. Neither provider experienced recorded incidents during this period.
- Monzo achieved 100% uptime versus Mastercard's 0% uptime during monitoring week
- Monzo's average response time was 58ms with no detected incidents
- Both providers reported zero total downtime minutes, though Mastercard's monitoring data was unavailable
- Monzo maintains an active status page; Mastercard's official status page was not accessible
Uptime This Week
Monzo delivered 100% uptime throughout the monitoring period. Mastercard's 0% uptime indicates either complete unavailability during testing or a failure in the monitoring connection. The absence of response time data for Mastercard prevents assessment of its baseline performance.
Response Time
Monzo responded to requests in an average of 58ms, indicating healthy application performance. Response time data for Mastercard was unavailable during the monitoring period.
Incidents & Downtime
Neither provider logged any detected incidents or downtime minutes according to Uptrue's monitoring. However, Mastercard's inaccessibility during the week suggests potential connectivity or infrastructure issues that warrant investigation beyond this monitoring window.
Which Should You Choose?
For critical banking operations, Monzo demonstrated superior reliability during this period with verifiable uptime and transparent monitoring. Mastercard's data unavailability during the week should be clarified with the provider before making infrastructure decisions. Consider monitoring both services independently over an extended period to establish baseline patterns.
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