Revolut and Monzo have way more outages but are small enough to not draw the ire of regulators. You are living in a fantasy land if you think they operate with less risk than a major bank

When did Monzo last have an outage? I get them with Curve and Starling, but they use GPS for their payment processing. Monzo have built their own from the ground up.

I've got a Monzo account, which I'm a big fan of. However, Monzo have definitely had more outages and planned maintenance than the other online banking service I use, which is provided by a different UK bank. I'd consider that a reason not to make the jump.

This was true before they launched their own payment processing.

They often had outages in late 2017 and earlier due to 3rd party reliability.

I haven't had an outage since the current accounts have been released.

No affiliation; just a user since Beta.

I've been a user since the beta too, and while they do have less outages than when they used a third party payment platform, they certainly still have more outages than my other UK bank.

I assume you don't count planned outages also?

Other banks and stuff have outages. Monzo just bothers to tell you about issues.

Also the longest outage I remember was when the third party card processor's server broke and it took them a few days to rebuilt it (which is pretty unnaceptable in this day and age)

Is that after they left beta? I noticed quite a few outages, but that was while they still had the big beta disclaimer on things. I've not had any trouble since.