Banks have notoriously terrible uptime! See, for example, the wide range of multi-hour to multi-week outages suffered by many UK banks in the last few years. M

Banks have notoriously terrible uptime! See, for example, the wide range of multi-hour to multi-week outages suffered by many UK banks in the last few years. Most of the legacy retail banks regularly take down their online banking for hours at a time to do 'planned maintenance'. I've also heard that this happens to things like payment gateway APIs that aren't directly visible to consumers. Sometimes a Faster Payment might take a suspiciously long time and that's because the API fell over or was down for maintenance. At least the data integrity is pretty good.