Is Monzo down?
Operationalchecked 2 minutes ago
We reached Monzo from all 10 regions we check.
As of Oct 5, 2026, 8:15 PM UTC, Monzo answered RealUptime's probes in all 10 regions that returned a reading.
No outage recorded in the 44 days we have measured Monzo (since Aug 22, 2026).
Monzo reports: All systems operational (“All Systems Operational”)
Monzo's own component breakdown, as they publish it
- 📱 Monzo AppOperational
- 💳 Card PaymentsOperational
- 💸 Outbound Bank TransfersOperational
- 💰 Inbound Bank TransfersOperational
- 💷 Cash DepositsOperational
- 🔗 Public APIOperational
- ✉️ Email SupportOperational
- 💬 Chat SupportOperational
- ☎️ Phone SupportOperational
- 📨 SMS Outbound DeliveryOperational
- 📨 SMS OutboundOperational
- 📬 Email DeliveryOperational
These are Monzo's components, named and scored by Monzo. We do not map them onto the functions we check above, because we have no way to know which of their components our checks touch. Two lists, side by side, neither one rewriting the other.
This is Monzo's own claim about their service, shown separately from what we measured. We never change our own numbers based on what a vendor reports, and this reading never changes theirs. Read both.
Monzo response time, by region
Is it Monzo, or is it you?
Watching an outage above does not tell you whether your own connection or site is also having a problem. Enter your own URL for one live check, right now, no signup. This checks the site you enter, not Monzo -- it cannot diagnose Monzo's own systems.
What we measured, function by function
Monzo answers on more than one surface, and they can fail apart. Each row is one surface, checked from the same regions. The verdict above follows the api row, because that is the surface we treat as this service's own; a failure on any other row is a partial outage, not a full one.
- WebUS-East: OperationalUS-West: OperationalEurope: OperationalAsia-Pacific: OperationalUS-Central: OperationalCanada: OperationalUK: OperationalSoutheast Asia: OperationalAustralia: OperationalSouth America: Operational
- APIprimaryUS-East: OperationalUS-West: OperationalEurope: OperationalAsia-Pacific: OperationalUS-Central: OperationalCanada: OperationalUK: OperationalSoutheast Asia: OperationalAustralia: OperationalSouth America: Operational
Get an email when we see Monzo go down, and when it is back
Get told when we measure this
We will tell you when our probes stop reaching Monzo, and again when they can reach it again. That is our own measurement from ten regions, not Monzo's status page. No account, no card.
What we measured, and what people reported
- North AmericaOperationalUS-East, US-West, US-Central, Canada
- US-EastOperationallatency: 221msstatus code: 200checked: Oct 5, 2026, 8:09 PM UTC0 people in the last 5 minutesNot enough reports to sayOur US-East probes reach Monzo normally. We do not have enough reports from US-East to say anything about what people there are seeing.
- US-WestOperationallatency: 599msstatus code: 200checked: Oct 5, 2026, 8:08 PM UTC0 people in the last 5 minutesNot enough reports to sayOur US-West probes reach Monzo normally. We do not have enough reports from US-West to say anything about what people there are seeing.
- US-CentralOperationallatency: 626msstatus code: 200checked: Oct 5, 2026, 8:06 PM UTC0 people in the last 5 minutesNot enough reports to sayOur US-Central probes reach Monzo normally. We do not have enough reports from US-Central to say anything about what people there are seeing.
- CanadaOperationallatency: 599msstatus code: 200checked: Oct 5, 2026, 8:01 PM UTC0 people in the last 5 minutesNot enough reports to sayOur Canada probes reach Monzo normally. We do not have enough reports from Canada to say anything about what people there are seeing.
- South AmericaOperationallatency: 1083msstatus code: 200checked: Oct 5, 2026, 8:06 PM UTC0 people in the last 5 minutesNot enough reports to sayOur South America probes reach Monzo normally. We do not have enough reports from South America to say anything about what people there are seeing.
- EuropeOperationalEurope, UK
- EuropeOperationallatency: 111msstatus code: 200checked: Oct 5, 2026, 8:10 PM UTC0 people in the last 5 minutesNot enough reports to sayOur Europe probes reach Monzo normally. We do not have enough reports from Europe to say anything about what people there are seeing.
- UKOperationallatency: 324msstatus code: 200checked: Oct 5, 2026, 8:09 PM UTC0 people in the last 5 minutesNot enough reports to sayOur UK probes reach Monzo normally. We do not have enough reports from UK to say anything about what people there are seeing.
- Asia PacificOperationalAsia-Pacific, Southeast Asia, Australia
- Asia-PacificOperationallatency: 1304msstatus code: 200checked: Oct 5, 2026, 8:15 PM UTC0 people in the last 5 minutesNot enough reports to sayOur Asia-Pacific probes reach Monzo normally. We do not have enough reports from Asia-Pacific to say anything about what people there are seeing.
- Southeast AsiaOperationallatency: 803msstatus code: 200checked: Oct 5, 2026, 8:02 PM UTC0 people in the last 5 minutesNot enough reports to sayOur Southeast Asia probes reach Monzo normally. We do not have enough reports from Southeast Asia to say anything about what people there are seeing.
- AustraliaOperationallatency: 1365msstatus code: 200checked: Oct 5, 2026, 7:59 PM UTC0 people in the last 5 minutesNot enough reports to sayOur Australia probes reach Monzo normally. We do not have enough reports from Australia to say anything about what people there are seeing.
Somewhere else or not sure: 0 people in the last 5 minutes
These are unverified reports from people using Monzo, counted separately from what our own probes measure. Anyone can file one, no account is needed, and the region on a report is chosen by the person filing it. We never open, extend or close an outage in our record based on report volume: only our own measurements do that. We have not received any reports for Monzo yet, which is not evidence that nothing is wrong.
Recent outages
measured entries are our own probes' readings; declared entries are the vendor's. How this check works
We have been measuring Monzo since August 22, 2026. We show nothing from before that date, and we never add an outage we did not observe ourselves, from any source.
Need this in writing? Generate an SLA evidence report for Monzo covering any window you pick, with our measurements and Monzo's own claim at the time, side by side.
Full availability history for Monzo: 90-day availability by region, month-by-month uptime, and every incident on record.
Monitor your own site the same way
This page shows what we see when we check this service, using the same ten regions, for a site you run. RealUptime Monitor watches your own servers from inside your network, and it starts free.
Start monitoring your own serversPut this badge in your README
Live, from this page's own readings.[](https://realuptime.io/outages/monzo)<a href="https://realuptime.io/outages/monzo"><img src="https://realuptime.io/outages/monzo/badge.svg?days=30" alt="Monzo uptime measured by RealUptime"></a>The badge shows the share of our probes that succeeded over the last 30 days, and the window is printed on it so the number always says what period it covers. If our readings go stale it says stale, and if we have no readings it says so: it will not show green on data we cannot vouch for. Free, no account, and it links back here. See how the badge works for every window and the honesty rules behind it.
What Monzo's SLA implies, from our measurement
At or above your target
We measured none of downtime for Monzo over the last 30 days, which is 100% uptime by our reading. A 99.9% target allows 43 minutes over that period.
By our measurement there is no shortfall to claim for this period.
This is computed from our own probe measurements, not from Monzo's SLA instrumentation. Their contract is normally measured against their own systems, with their own exclusions and a claim window, so their figure and ours will differ. Use this to start the conversation and ask for their number. It is not legal advice and it is not a determination of what you are owed.