Handelsbanken Credit Rating
Handelsbanken holds a blended long-term credit rating of AA — the "Prime" band, which is investment grade. That figure combines the latest long-term issuer ratings from S&P, Moody's, Fitch onto a single comparable scale, and indicates a very strong capacity to meet its financial commitments. Handelsbanken is owned by Handelsbanken AB (public, Sweden). 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.
Handelsbanken credit ratings by agency
| Agency | Long-term rating | Outlook | Last confirmed |
|---|---|---|---|
| Fitch Ratings | AA+ | — | 10 Jul 2026 |
| Moody's | Aa2 | — | 10 Jul 2026 |
| S&P Global Ratings | AA- | — | 10 Jul 2026 |
Rating History Chart
Rating History
| Date | Rating | Agencies |
|---|---|---|
10 Jul 2026 |
S&P | |
10 Jul 2026 |
S&P, Moody's | |
10 Jul 2026 |
S&P, Moody's, Fitch | |
27 Jan 2026 |
S&P |
Service record: complaints, incidents and customer survey
Customer survey (CMA / Ipsos, August 2026): share of Handelsbanken's own customers who would recommend it.
| Measure | Market | Would recommend | Rank |
|---|---|---|---|
| Branch and business centre services (business) | Great Britain | 75% | 1 of 12 |
| Online and mobile banking (business) | Great Britain | 59% | 15= of 17 |
| Overall service quality (business) | Great Britain | 78% | 4 of 17 |
| Relationship and account management (business) | Great Britain | 86% | 1 of 17 |
| SME overdraft and loan services (business) | Great Britain | 73% | 1 of 10 |
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Frequently asked questions about Handelsbanken
Is Handelsbanken safe?
Handelsbanken currently holds a blended long-term credit rating of AA, which is investment grade and indicates a very 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 Handelsbanken's credit rating?
Handelsbanken has a blended long-term credit rating of AA. 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 Handelsbanken 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. Handelsbanken is recorded with FCA reference 806852. 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 Handelsbanken?
Handelsbanken is owned by Handelsbanken AB (public, Sweden). 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 AA credit rating mean?
AA sits in the "Prime" band, indicating a very 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 Handelsbanken's Fitch rating?
Fitch rates Handelsbanken AA+ (long-term), as read from the bank's own published disclosures and last confirmed on 10 July 2026. Together with the other agencies' ratings this gives the blended AA shown on this page.
What is Handelsbanken's Moody's rating?
Moody's rates Handelsbanken Aa2 (long-term), as read from the bank's own published disclosures and last confirmed on 10 July 2026. Together with the other agencies' ratings this gives the blended AA shown on this page.
What is Handelsbanken's S&P rating?
S&P rates Handelsbanken AA- (long-term), as read from the bank's own published disclosures and last confirmed on 10 July 2026. Together with the other agencies' ratings this gives the blended AA shown on this page.
When did Handelsbanken's credit rating last change?
Handelsbanken's blended rating has stood at AA since 10 July 2026, the most recent change in our records. Ratings are re-checked automatically and this page updates when an agency revises its assessment.