banking

Monzo vs Zerodha Uptime — Week of 20 April 2026

Uptrue's independent monitoring tracked Monzo and Zerodha during the week of 20 April 2026. Both providers delivered perfect 100% uptime with zero incidents, but response time performance differed sig

21 April 2026·Uptrue Team

🏦 Banking & Finance Weekly Comparison

TL;DR

Both Monzo and Zerodha achieved 100% uptime with zero incidents during monitoring period
Monzo's response time averaged 58ms; Zerodha averaged 375ms—a 6.5x difference
Monzo maintains a public status page with webhook and email notifications; Zerodha's status page was unavailable
Total downtime for both providers: 0 minutes across the monitored week

Uptime This Week

Both Monzo and Zerodha maintained perfect 100% uptime throughout the monitoring period with no recorded incidents or downtime. This performance reflects strong infrastructure stability for both providers during the tracked week. Zero service interruptions were detected by Uptrue's independent monitoring systems.

Response Time

Monzo responded to requests in an average of 58ms, while Zerodha averaged 375ms. This 317ms difference is material for banking applications where latency affects user experience and transaction processing. Monzo's response performance represents a significant technical advantage in this metric.

Incidents & Downtime

Neither provider experienced any incidents, service degradation, or downtime during the monitoring period. Both maintained continuous availability across all monitored endpoints. The absence of incidents reflects consistent operational performance from both systems during this specific week.

Historical Context

Banking and fintech services in this category typically maintain uptime targets exceeding 99.9%, with leading providers using multi-region deployments and automated failover to achieve high reliability. Response time variability often correlates with geographic distribution and infrastructure investment.

Which Should You Choose?

Choose Monzo for response-critical applications requiring sub-100ms latency and prefer providers with transparent status pages. Zerodha remains viable for less latency-sensitive workloads, though the unavailability of its status page limits real-time incident visibility. Both achieved identical uptime this period, so response time and operational transparency should drive the decision.

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 based on this data?

Both achieved identical 100% uptime with zero incidents during this monitoring period. Reliability was equivalent. However, Monzo demonstrates better operational transparency through its public status page with notifications—an advantage for customers needing incident awareness.

How often does Zerodha experience downtime?

During Uptrue's monitoring week (20 April 2026), Zerodha recorded zero downtime across all tracked endpoints. No incidents were detected. Long-term downtime patterns cannot be assessed from a single week of data.

How is this reliability data collected?

All data comes from Uptrue's independent monitoring infrastructure. Uptrue continuously probes provider endpoints to measure uptime, response times, and incident occurrence without relying on provider-supplied metrics. This methodology ensures unbiased, third-party assessment of actual service availability and performance.