AIB Group (UK) p.l.c. Credit Rating
AIB Group (UK) p.l.c. does not currently have a public long-term credit rating from the major agencies, so no rating is shown here. That is common among smaller and newer UK banks and is not in itself a sign of financial weakness — ratings are typically sought by institutions that raise debt in wholesale markets. Eligible deposits with UK-authorised banks and building societies are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000 per eligible person, per banking licence (the limit rose from £85,000 on 1 December 2025). Where several brands share a single banking licence, that £120,000 limit is shared across those brands rather than applying to each one separately.
Rating History
Service record: complaints, incidents and customer survey
Customer survey (CMA / Ipsos, August 2026): share of AIB Group (UK)'s own customers who would recommend it.
| Measure | Market | Would recommend | Rank |
|---|---|---|---|
| Branch services | Northern Ireland | 51% | 9 of 9 |
| Online and mobile banking | Northern Ireland | 55% | 12 of 12 |
| Overall service quality | Northern Ireland | 44% | 12 of 12 |
| Branch and business centre services (business) | Northern Ireland | 50% | 5 of 5 |
| Online and mobile banking (business) | Northern Ireland | 55% | 4 of 5 |
| Overall service quality (business) | Northern Ireland | 45% | 4 of 5 |
| Relationship and account management (business) | Northern Ireland | 58% | 3 of 5 |
| SME overdraft and loan services (business) | Northern Ireland | 51% | 4 of 5 |
Latest News
Frequently asked questions about AIB Group (UK) p.l.c.
Is AIB Group (UK) p.l.c. safe?
AIB Group (UK) p.l.c. has no public long-term credit rating from the major agencies, so there is no rating to assess here. A missing rating is not evidence of weakness — many smaller and newer UK banks simply do not seek one. Separately, Eligible deposits with UK-authorised banks and building societies are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000 per eligible person, per banking licence (the limit rose from £85,000 on 1 December 2025). Where several brands share a single banking licence, that £120,000 limit is shared across those brands rather than applying to each one separately. This page is information about published credit ratings, not financial advice.
What is AIB Group (UK) p.l.c.'s credit rating?
AIB Group (UK) p.l.c. does not have a publicly available long-term issuer credit rating from S&P, Moody's or Fitch.
Is AIB Group (UK) p.l.c. covered by the FSCS?
Eligible deposits with UK-authorised banks and building societies are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000 per eligible person, per banking licence (the limit rose from £85,000 on 1 December 2025). Where several brands share a single banking licence, that £120,000 limit is shared across those brands rather than applying to each one separately. AIB Group (UK) p.l.c. is recorded with FCA reference 122088. Because protection follows the banking licence rather than the brand, check the current position and which brands share a licence on the FSCS website before relying on it.
Who owns AIB Group (UK) p.l.c.?
AIB Group (UK) p.l.c. is owned by AIB Group plc (public). Ownership matters for credit ratings because agencies often factor in the likelihood of support from a parent group, and because brands under the same banking licence share a single FSCS limit.