Best UK Banks for Business Banking by Credit Rating

Business banking providers ranked by financial stability and credit rating

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Why credit ratings matter for business banking: Business banking relationships often involve credit facilities and complex services. A financially strong bank is better positioned to support your business growth long-term.

Top Rated Banks for Business Banking (by Credit Rating)

Rank	Bank Name	Credit Rating	Score	Agencies	Outlook	Trend
	H Handelsbanken	AA	90	S&P, Moody's, Fitch	—
	B Bank of Scotland plc	AA-	83	S&P, Moody's, Fitch	—
	C Coutts & Company	AA-	83	S&P, Moody's, Fitch	Stable
4	H HSBC UK Bank plc	AA-	83	S&P, Moody's, Fitch	Positive
5	L Lloyds Bank plc	AA-	83	S&P, Moody's, Fitch	—
6	N NatWest	AA-	83	S&P, Moody's, Fitch	Stable
7	R Royal Bank of Scotland	AA-	83	S&P, Moody's, Fitch	Stable
8	S Sainsbury's Bank Plc	AA-	83	S&P, Moody's, Fitch	Stable
9	B Barclays Bank UK PLC	A+	82	S&P, Moody's, Fitch	Stable
10	N Nationwide Building Society	A+	82	S&P, Moody's, Fitch	Stable
11	S Standard Chartered Bank	A+	82	S&P, Moody's, Fitch	—
12	T Tesco Bank	A+	82	S&P, Moody's, Fitch	Stable
13	S Santander UK plc	A+	80	S&P, Moody's, Fitch	Stable
14	T TSB Bank plc	A+	80	Moody's	Stable
15	C Co-operative Bank plc	A	75	Moody's, Fitch	Stable
16	C Coventry Building Society	A	75	Moody's, Fitch	Stable
17	S Skipton Building Society	A	75	Moody's, Fitch	—
18	Y Yorkshire Building Society	A	75	Moody's, Fitch	Stable
19	C Clydesdale Bank PLC	A-	70	S&P, Fitch	Stable
20	L Leeds Building Society	A-	70	Moody's, Fitch	Stable
21	V Virgin Money UK PLC	A-	70	S&P, Fitch	Stable
22	Y Yorkshire Bank	A-	70	S&P, Fitch	Stable
23	C Close Brothers Limited	BBB+	65	Moody's, Fitch	Negative
24	P Principality Building Society	BBB+	65	Moody's, Fitch	Stable
25	T Triodos Bank UK	BBB	60	Fitch	—	NEW
26	M Metro Bank PLC	BB	45	Fitch	Positive
27	V Vanquis Bank Limited	BB-	40	Fitch	Positive	NEW