UK Bank Credit Ratings

Every UK bank's current long-term credit rating from S&P, Moody's and Fitch, blended onto one scale so you can compare them, with daily re-checks against each bank's own investor disclosures. Click a bank for its per-agency ratings, history and FAQ.

New here? Start with the safest UK banks ranking, check which banks share a banking licence (it decides your FSCS limit), read how the £120,000 FSCS protection works, or follow every verified rating change.

72

TOTAL BANKS

35

INVESTMENT GRADE

2

IMPROVING

2

DECLINING

7574

NEWS

72 Banks 35 Investment Grade 2 Improving 2 Declining 7574 News

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Bank Name	Rating	Agencies	Outlook	Trend	Last Updated
H Handelsbanken	AA	S&P, Moody's, Fitch	—		10 Jul 2026
B Bank of Scotland plc	AA-	S&P, Moody's, Fitch	—		10 Jul 2026
H HSBC Bank plc	AA-	S&P, Moody's, Fitch	Positive	NEW	22 Oct 2026
H HSBC UK Bank plc	AA-	S&P, Moody's, Fitch	Positive		10 Jul 2026
L Lloyds Bank plc	AA-	S&P, Moody's, Fitch	Stable		19 Jul 2026
N NatWest	AA-	S&P, Moody's, Fitch	Stable		10 Jul 2026
R Royal Bank of Scotland	AA-	S&P, Moody's, Fitch	Stable		10 Jul 2026
H Halifax trading name of Bank of Scotland plc	AA-	S&P, Moody's, Fitch	—		10 Jul 2026
F first direct trading name of HSBC UK Bank plc	AA-	S&P, Moody's, Fitch	Positive		10 Jul 2026
M M&S Bank trading name of HSBC UK Bank plc	AA-	S&P, Moody's, Fitch	Positive		10 Jul 2026
U Ulster Bank trading name of National Westminster Bank plc	AA-	S&P, Moody's, Fitch	Stable		10 Jul 2026
I Intelligent Finance trading name of Bank of Scotland plc	AA-	S&P, Moody's, Fitch	—		10 Jul 2026
B Birmingham Midshires trading name of Bank of Scotland plc	AA-	S&P, Moody's, Fitch	—		10 Jul 2026
H HSBC Private Bank trading name of HSBC UK Bank plc	AA-	S&P, Moody's, Fitch	Positive		10 Jul 2026
M Mettle trading name of National Westminster Bank plc	AA-	S&P, Moody's, Fitch	Stable		10 Jul 2026
M MBNA trading name of Lloyds Bank plc	AA-	S&P, Moody's, Fitch	Stable		19 Jul 2026
B Barclays Bank PLC	A+	S&P, Moody's, Fitch	Stable	NEW	22 Oct 2026
B Barclays Bank UK PLC	A+	S&P, Moody's, Fitch	Stable		10 Jul 2026
G Goldman Sachs International Bank	A+	S&P, Moody's, Fitch	Positive	NEW	24 Oct 2026
N Nationwide Building Society	A+	S&P, Moody's, Fitch	Stable		10 Jul 2026
S Standard Chartered Bank	A+	S&P, Moody's, Fitch	—		10 Jul 2026
T Tesco Bank	A+	S&P, Moody's, Fitch	Stable		10 Jul 2026
V Virgin Money trading name of Nationwide Building Society	A+	S&P, Moody's, Fitch	Stable		10 Jul 2026
C Clydesdale Bank trading name of Nationwide Building Society	A+	S&P, Moody's, Fitch	Stable		10 Jul 2026
Y Yorkshire Bank trading name of Nationwide Building Society	A+	S&P, Moody's, Fitch	Stable		10 Jul 2026
B Barclaycard trading name of Barclays Bank UK PLC	A+	S&P, Moody's, Fitch	Stable		10 Jul 2026
D Derbyshire Building Society trading name of Nationwide Building Society	A+	S&P, Moody's, Fitch	Stable		10 Jul 2026
C Cheshire Building Society trading name of Nationwide Building Society	A+	S&P, Moody's, Fitch	Stable		10 Jul 2026
D Dunfermline Building Society trading name of Nationwide Building Society	A+	S&P, Moody's, Fitch	Stable		10 Jul 2026
M Marcus by Goldman Sachs trading name of Goldman Sachs International Bank	A+	S&P, Moody's, Fitch	Positive	NEW	24 Oct 2026
A AIB Group (UK) p.l.c.	A+	Moody's	Stable	NEW	24 Oct 2026
S Santander UK plc	A+	S&P, Moody's, Fitch	Stable		10 Jul 2026
T TSB Bank plc	A+	Moody's	Stable		15 Oct 2026
B Bank of Ireland UK	A+	Moody's, Fitch	Stable	NEW	24 Oct 2026
P Post Office Money trading name of Bank of Ireland (UK) plc	A+	Moody's, Fitch	Stable	NEW	24 Oct 2026
A Al Rayan Bank PLC	A	Moody's	Stable	NEW	24 Oct 2026
I Investec Bank plc	A	Moody's, Fitch	Stable	NEW	22 Oct 2026
S Skipton Building Society	A	Moody's, Fitch	Stable	NEW	12 Oct 2026
Y Yorkshire Building Society	A	Moody's, Fitch	Stable	NEW	12 Oct 2026
C Chelsea Building Society trading name of Yorkshire Building Society	A	Moody's, Fitch	Stable	NEW	12 Oct 2026
N Norwich & Peterborough trading name of Yorkshire Building Society	A	Moody's, Fitch	Stable	NEW	12 Oct 2026
C Co-operative Bank plc	A	Moody's, Fitch	Stable		24 Oct 2026
C Coventry Building Society	A	Moody's, Fitch	Positive		24 Oct 2026
S smile trading name of The Co-operative Bank p.l.c.	A	Moody's, Fitch	Stable		24 Oct 2026
L Leeds Building Society	A-	Moody's, Fitch	Stable	NEW	12 Oct 2026
A Aldermore Bank Plc	BBB+	Moody's	Negative	NEW	22 Oct 2026
C Close Brothers Limited	BBB+	Moody's, Fitch	Negative		10 Jul 2026
P Paragon Bank Plc	BBB+	Moody's, Fitch	—	NEW	24 Oct 2026
P Principality Building Society	BBB+	Moody's, Fitch	Stable	NEW	12 Oct 2026
O OneSavings Bank plc	BBB+	Moody's, Fitch	Stable	NEW	24 Oct 2026
K Kent Reliance trading name of OneSavings Bank plc	BBB+	Moody's, Fitch	Stable	NEW	24 Oct 2026
C Charter Court Financial Services Limited	BBB	Fitch	Stable	NEW	24 Oct 2026
S Starling Bank Limited	BBB	Moody's	Stable	NEW	24 Oct 2026
T Triodos Bank UK	BBB	Fitch	—		10 Jul 2026
C Charter Savings Bank trading name of Charter Court Financial Services Limited	BBB	Fitch	Stable	NEW	24 Oct 2026
F FCE Bank plc	BBB	S&P, Moody's, Fitch	Stable	NEW	24 Oct 2026
F Ford Money trading name of FCE Bank plc	BBB	S&P, Moody's, Fitch	Stable	NEW	24 Oct 2026
C ClearBank Limited	BBB-	S&P	Stable	NEW	22 Oct 2026
U Unity Trust Bank plc	BBB-	Fitch	—	NEW	24 Oct 2026
M Metro Bank PLC	BB	Fitch	Positive		15 Aug 2026
V Vanquis Bank Limited	BB-	Fitch	Positive		10 Jul 2026

Banks without a public credit rating (34)

PRA-authorised deposit-takers with no long-term rating from S&P, Moody's or Fitch. Each page shows the licence, ownership and FSCS position, and for the banks we have checked, the sourced safety record.