FCE Bank plc Credit Rating
FCE Bank plc holds a blended long-term credit rating of BBB — the "Upper Medium" band, which is investment grade, with a stable outlook. That figure combines the latest long-term issuer ratings from S&P, Moody's, Fitch onto a single comparable scale, and indicates an adequate capacity to meet its financial commitments, though it is more exposed to adverse economic conditions than higher-rated institutions. FCE Bank plc is owned by Ford Motor Company (listed). 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.
Brands that trade under this licence and share its rating and FSCS limit: Ford Money
FCE Bank credit ratings by agency
| Agency | Long-term rating | Outlook | Last confirmed |
|---|---|---|---|
| Fitch Ratings | BBB- | Stable | 30 Jun 2026 |
| Moody's | Baa1 | Stable | 30 Jun 2026 |
| S&P Global Ratings | BBB- | Stable | 30 Jun 2026 |
Rating History Chart
Rating History
| Date | Rating | Agencies |
|---|---|---|
24 Oct 2026 |
S&P, Moody's, Fitch |
Service record: complaints, incidents and customer survey
Complaints: in the FCA's 2026 H1 file (January 2026 to June 2026), FCE Bank received 153 banking and credit-card complaints. The bank upheld 61% of those it closed and closed 86% within three days. Compare all banks.
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Frequently asked questions about FCE Bank plc
Is FCE Bank plc safe?
FCE Bank plc currently holds a blended long-term credit rating of BBB, which is investment grade and indicates an adequate capacity to meet its financial commitments, though it is more exposed to adverse economic conditions than higher-rated institutions. 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 FCE Bank plc's credit rating?
FCE Bank plc has a blended long-term credit rating of BBB, with a stable outlook. This blends the most recent long-term issuer ratings from S&P, Moody's, Fitch, mapped onto a common scale so ratings expressed in different agencies' notation can be compared directly.
Is FCE Bank plc 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. FCE Bank plc is recorded with FCA reference 204469. 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 FCE Bank plc?
FCE Bank plc is owned by Ford Motor Company (listed). 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.
What does a BBB credit rating mean?
BBB sits in the "Upper Medium" band, indicating an adequate capacity to meet its financial commitments, though it is more exposed to adverse economic conditions than higher-rated institutions. 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 FCE Bank plc's Fitch rating?
Fitch rates FCE Bank plc BBB- (long-term) with a stable outlook, as read from the bank's own published disclosures and last confirmed on 30 June 2026. Together with the other agencies' ratings this gives the blended BBB shown on this page.
What is FCE Bank plc's Moody's rating?
Moody's rates FCE Bank plc Baa1 (long-term) with a stable outlook, as read from the bank's own published disclosures and last confirmed on 30 June 2026. Together with the other agencies' ratings this gives the blended BBB shown on this page.
What is FCE Bank plc's S&P rating?
S&P rates FCE Bank plc BBB- (long-term) with a stable outlook, as read from the bank's own published disclosures and last confirmed on 30 June 2026. Together with the other agencies' ratings this gives the blended BBB shown on this page.
When did FCE Bank plc's credit rating last change?
FCE Bank plc's blended rating has stood at BBB 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.