AIB Group (UK) p.l.c. Credit Rating
AIB Group (UK) p.l.c. holds a blended long-term credit rating of A+ — the "High Grade" band, which is investment grade, with a stable outlook. That figure combines the latest long-term issuer ratings from Moody's onto a single comparable scale, and indicates a strong capacity to meet its financial commitments. AIB Group (UK) p.l.c. is owned by AIB Group plc (listed; Irish state fully exited June 2025). A credit rating measures an institution's ability to meet its financial obligations — it is an opinion, not a guarantee, and it is separate from deposit protection.
AIB Group (UK) p.l.c.
FCA: 122088
24 October 2026
1966
AIB Group (UK) credit ratings by agency
| Agency | Long-term rating | Outlook | Last confirmed |
|---|---|---|---|
| Moody's | A1 | Stable | 24 Oct 2026 |
Rating History Chart
Rating History
| Date | Rating | Agencies |
|---|---|---|
24 Oct 2026 |
Moody's | |
15 Sep 2022 |
Fitch | |
15 Jun 2018 |
Fitch | |
15 Jan 2016 |
Fitch |
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 |
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Frequently asked questions about AIB Group (UK) p.l.c.
Is AIB Group (UK) p.l.c. safe?
AIB Group (UK) p.l.c. currently holds a blended long-term credit rating of A+, which is investment grade and indicates a strong capacity to meet its financial commitments. A credit rating is an independent opinion on an institution's ability to meet its financial obligations; it is not a guarantee and can change. 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. has a blended long-term credit rating of A+, with a stable outlook. This blends the most recent long-term issuer ratings from Moody's, mapped onto a common scale so ratings expressed in different agencies' notation can be compared directly.
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 incorporated in Northern Ireland (company NI018800) and is owned by AIB Group p.l.c. of Dublin, which Companies House records as holding 75% or more of its shares and voting rights. The Bank of England lists it among banks incorporated in the UK (FRN 122088). The Irish Department of Finance sold its last shares in AIB Group plc in June 2025, reducing the State's shareholding to zero, so AIB Group plc is now entirely in private ownership.
What does a A+ credit rating mean?
A+ sits in the "High Grade" band, indicating a strong capacity to meet its financial commitments. Ratings of BBB- (or Baa3 on Moody's scale) and above are considered investment grade; anything below that is regarded as speculative, sometimes called "high yield". Ratings are reviewed periodically and can be upgraded or downgraded.
What is AIB Group (UK) p.l.c.'s Moody's rating?
Moody's rates AIB Group (UK) p.l.c. A1 (long-term) with a stable outlook, as read from the bank's own published disclosures and last confirmed on 24 October 2026.
When did AIB Group (UK) p.l.c.'s credit rating last change?
AIB Group (UK) p.l.c.'s blended rating has stood at A+ since 24 October 2026, the most recent change in our records. Ratings are re-checked automatically and this page updates when an agency revises its assessment.