Monzo and Starling Bank both achieved perfect 100% uptime during the monitoring period of 20–26 April 2026, according to independent data collected by Uptrue. However, Monzo demonstrated significantly faster response times at 58ms compared to Starling's 357ms, a critical difference for banking infrastructure.
- Both providers maintained 100% uptime with zero incidents during the monitoring period
- Monzo responded 6.2× faster than Starling Bank (58ms vs. 357ms average)
- Starling Bank's official status page was unavailable; Monzo provides comprehensive incident tracking via Atlassian
- No downtime was recorded for either provider in the week of 20 April 2026
Uptime This Week
Both Monzo and Starling Bank delivered perfect 100% uptime during the monitoring week, with zero recorded incidents or downtime. This level of reliability reflects well on both providers' infrastructure resilience in the Banking & Finance sector. The absence of any service interruptions indicates both platforms maintained consistent availability to customers.
Response Time
Monzo responded significantly faster than Starling Bank, averaging 58ms versus 357ms respectively. For banking applications where transaction speed and user experience are critical, Monzo's response time is substantially more competitive. Starling's response latency of 357ms may indicate network routing delays or regional server distance and warrants investigation if sub-100ms performance is required.
Incidents & Downtime
Neither provider recorded any incidents or downtime during the monitoring period. Both services maintained zero minutes of total downtime, demonstrating equivalent incident-free performance over this one-week window. Sustained incident-free operation is table-stakes for banking providers, and both met this requirement.
Which Should You Choose?
Choose Monzo if sub-100ms response times and transparent incident tracking are requirements; its 58ms baseline indicates superior infrastructure responsiveness. Starling Bank is acceptable for workloads tolerant of 300ms+ latency, though the unavailable status page suggests less mature incident communication practices. Both delivered equivalent uptime this period, so response time and monitoring transparency should drive your decision.
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