Is Monzo down?
Vendor reports no incidentWhat Monzo reports
Monzo reports no incident on its status page.
As of the last successful poll, 2026-10-22 19:00 UTC.
Our regional reading
This is our own reading from outside, shown beside the vendor's statement. It is not counted as a separate outage.
Checks passingchecked 1 minute ago
Our checks of Monzo pass from all 10 regions we check.
As of Oct 22, 2026, 7:04 PM UTC, RealUptime's checks of Monzo passed in all 10 regions that returned a reading.
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
Check your own site while you wait on Monzo
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: Checks passingUS-West: Checks passingEurope: Checks passingAsia-Pacific: Checks passingUS-Central: Checks passingCanada: Checks passingUK: Checks passingSoutheast Asia: Checks passingAustralia: Checks passingSouth America: Checks passing
- APIprimaryUS-East: Checks passingUS-West: Checks passingEurope: Checks passingAsia-Pacific: Checks passingUS-Central: Checks passingCanada: Checks passingUK: Checks passingSoutheast Asia: Checks passingAustralia: Checks passingSouth America: Checks passing
Email me when Monzo reports an incident on its status page, and again when it reports it resolved.
Get an email when Monzo reports an incident
Email me when Monzo reports an incident on its status page, and again when it reports it resolved. No account, no card.
What our checks show, and what people reported
- North AmericaChecks passingUS-East, US-West, US-Central, Canada
- US-EastChecks passinglatency: 930msstatus code: 200checked: Oct 22, 2026, 7:04 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-WestChecks passinglatency: 1636msstatus code: 200checked: Oct 22, 2026, 6:57 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-CentralChecks passinglatency: 872msstatus code: 200checked: Oct 22, 2026, 6:59 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.
- CanadaChecks passinglatency: 808msstatus code: 200checked: Oct 22, 2026, 7:03 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 AmericaChecks passinglatency: 1994msstatus code: 200checked: Oct 22, 2026, 6:59 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.
- EuropeChecks passingEurope, UK
- EuropeChecks passinglatency: 256msstatus code: 200checked: Oct 22, 2026, 7:02 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.
- UKChecks passinglatency: 853msstatus code: 200checked: Oct 22, 2026, 6:58 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 PacificChecks passingAsia-Pacific, Southeast Asia, Australia
- Asia-PacificChecks passinglatency: 2485msstatus code: 200checked: Oct 22, 2026, 7:04 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 AsiaChecks passinglatency: 2841msstatus code: 200checked: Oct 22, 2026, 7:03 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.
- AustraliaChecks passinglatency: 2672msstatus code: 200checked: Oct 22, 2026, 6:46 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 probe events
check 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 check readings and Monzo's own claim at the time, side by side.
Full check history for Monzo: 90 days of check results by region, month-by-month uptime by our checks, and every probe event 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 by RealUptime's checks" height="20"></a>The badge shows the share of our checks that passed over the last 30 days. 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 and shows no color. Free, no account, and it links back here. See how the badge works for every window and the honesty rules behind it.
To cite this page: RealUptime, "Is Monzo down?", https://realuptime.io/outages/monzo. The readings change with every check, so give the date you read them.
Checking a site of your own? The free website down checker sends it one request and reports the answer, and the SLA calculator shows how much downtime an uptime figure allows.
What we check
What our check can and cannot see
A pass means a public route of the service's API answered our request normally. We do not check what it returned, so it does not show that the data is right, that sign-in works or that the rest of the product works.
Host checked: api.monzo.com