Post Office Money Credit Rating
Post Office Money is not a bank in its own right: it is a trading name of Bank of Ireland (UK) plc (FCA firm reference 512956), part of Bank of Ireland. Credit rating agencies rate the licence holder, not the brand, so Post Office Money has no rating of its own. Bank of Ireland (UK) plc has no public long-term credit rating from S&P, Moody's or Fitch, so there is no rating to show for Post Office Money. Post Office branded savings accounts are provided by Bank of Ireland (UK) plc under a long-running partnership, so they count towards Bank of Ireland UK's FSCS limit and carry its rating, not the Post Office's. 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.
Rating History
Service record: complaints, incidents and customer survey
Complaints: in the FCA's 2025 H2 file (July 2025 to December 2025), Bank of Ireland UK (reporting jointly for its group) received 1,734 banking and credit-card complaints, 1.85 per 1,000 accounts. The bank upheld 44% of those it closed and closed 51% within three days. The previous period was 2.30 per 1,000, so complaints fell. Compare all banks.
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Frequently asked questions about Post Office Money
Is Post Office Money safe?
Post Office Money operates under Bank of Ireland (UK) plc's banking licence. Bank of Ireland (UK) plc has no public long-term credit rating, which is not in itself a sign of weakness. 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 Post Office Money's credit rating?
Post Office Money has no rating of its own, and its licence holder Bank of Ireland (UK) plc has no public long-term credit rating from S&P, Moody's or Fitch.
Which bank is Post Office Money part of?
Post Office Money is a trading name of Bank of Ireland (UK) plc, FCA firm reference 512956, part of Bank of Ireland. Post Office branded savings accounts are provided by Bank of Ireland (UK) plc under a long-running partnership, so they count towards Bank of Ireland UK's FSCS limit and carry its rating, not the Post Office's.
Does Post Office Money share an FSCS limit with Bank of Ireland UK?
Yes. Post Office Money and Bank of Ireland UK all sit under Bank of Ireland (UK) plc's licence, so money held across them counts towards one £120,000 limit per person, not one limit each.