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All services / Reliability / November 2026

Money reliability leaderboard: November 2026

Live: month to date (2 days so far), updated hourly. Results freeze on the 1st. Ranked by uptime from our own checks, then fewest outages, then least downtime. Methodology · JSON

Most reliable

  1. Affirm · 100%
  2. Ally Bank · 100%
  3. American Express · 100%
  4. Bank of America · 100%
  5. Binance · 100%
  6. Capital One · 100%
  7. Cash App · 100%
  8. Charles Schwab · 100%
  9. Chase · 100%
  10. Chime · 100%

Most outage-prone

  1. PNC Bank · 0 outages, — down · 98.37%

Full ranking (34)

#ServiceUptimeOutagesTotal downtimeMedian outageUser reports
1Affirm100%0——0
2Ally Bank100%0——0
3American Express100%0——0
4Bank of America100%0——0
5Binance100%0——0
6Capital One100%0——0
7Cash App100%0——0
8Charles Schwab100%0——0
9Chase100%0——0
10Chime100%0——0
11Citibank100%0——0
12Coinbase100%0——0
13Discover100%0——0
14E*TRADE100%0——0
15Fidelity100%0——0
16Klarna100%0——0
17Kraken100%0——0
18Navy Federal Credit Union100%0——0
19PayPal100%0——0
20Revolut100%0——0
21Robinhood100%0——0
22SoFi100%0——0
23Square100%0——0
24Stripe100%0——0
25TD Bank100%0——0
26Truist100%0——0
27U.S. Bank100%0——0
28USAA100%0——0
29Vanguard100%0——0
30Venmo100%0——0
31Wells Fargo100%0——0
32Wise100%0——0
33Zelle100%0——0
34PNC Bank98.37%0——0

← October 2026

Methodology

  • Uptime: share of the covered time a service was up. Downtime is the time covered by our own failed HTTP checks (each failed check counts for one check interval; checks run from Cloudflare's network) merged with confirmed outages (below), even ones our checks missed. Overlapping periods are counted once. It measures reachability, not every feature.
  • Outages: public outages in our outage log (outage level or worse for at least 10 minutes, or a major outage), excluding ones flagged as false positives. Outages are confirmed by the vendor's status page and/or user reports. Downtime is clipped to the period.
  • User reports: problem reports submitted on this site during the period.
  • Minimum data: a service is ranked only with checks on at least 60% of the days in the period (2 of 2) and at least 24 checks (about 12 a day). Services ranked with fewer than 50 checks a day are marked lower confidence (*); short outages between their checks are more likely to be missed. 730 services were left out for too little data.
  • Order: uptime (high to low), then fewer outages, less downtime, fewer reports. Month pages freeze on the 1st (UTC); the current month is live.