Kent Reliance Credit Rating
Kent Reliance is not a bank in its own right: it is a trading name of OneSavings Bank plc (FCA firm reference 530504), part of OSB Group. Credit rating agencies rate the licence holder, not the brand, so Kent Reliance has no rating of its own. OneSavings Bank plc currently holds a blended long-term credit rating of BBB+, which is investment grade; that is the rating shown on this page. Kent Reliance is a trading name of OneSavings Bank plc, which began trading as a bank on 1 February 2011 and is wholly owned by the listed OSB GROUP PLC. Charter Savings Bank is in the same group but holds its own licence, so money there has a separate £120,000 limit. A credit rating is an opinion on an institution's ability to meet its obligations, not a guarantee, and it is separate from deposit protection.
OneSavings Bank plc
FCA: 530504
OneSavings Bank credit ratings by agency
| Agency | Long-term rating | Outlook | Last confirmed |
|---|---|---|---|
| Fitch Ratings | BBB | Stable | 5 Aug 2026 |
| Moody's | Baa1 | Stable | 19 Jun 2026 |
Rating History Chart
Rating History
| Date | Rating | Agencies |
|---|---|---|
24 Oct 2026 |
Moody's, Fitch |
Service record: complaints, incidents and customer survey
Complaints: in the FCA's 2026 H1 file (January 2026 to June 2026), OneSavings Bank received 1,168 banking and credit-card complaints, 2.41 per 1,000 accounts. The bank upheld 68% of those it closed and closed 33% within three days. The previous period was 2.80 per 1,000, so complaints fell. Compare all banks.
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Frequently asked questions about Kent Reliance
Is Kent Reliance safe?
Kent Reliance operates under OneSavings Bank plc's banking licence, and OneSavings Bank plc holds a blended long-term credit rating of BBB+, which is investment grade. A rating is an independent opinion on the institution's ability to meet its obligations; it is not a guarantee and can change. Separately, eligible deposits with UK-authorised banks and building societies are protected by the FSCS up to £120,000 per person per banking licence. This page is information about published credit ratings, not financial advice.
What is Kent Reliance's credit rating?
Kent Reliance has no rating of its own. Its licence holder, OneSavings Bank plc, has a blended long-term credit rating of BBB+ from Moody's, Fitch; the per-agency figures are shown above.
Which bank is Kent Reliance part of?
Kent Reliance is a trading name of OneSavings Bank plc, FCA firm reference 530504, part of OSB Group. Kent Reliance is a trading name of OneSavings Bank plc, which began trading as a bank on 1 February 2011 and is wholly owned by the listed OSB GROUP PLC. Charter Savings Bank is in the same group but holds its own licence, so money there has a separate £120,000 limit.
Does Kent Reliance share a licence with Charter Savings Bank?
No. Charter Savings Bank is separately licensed even though it is in the same group, so deposits there have their own £120,000 limit, separate from Kent Reliance's.