Best UK Banks for Current Accounts by Credit Rating

Compare UK banks offering current accounts ranked by financial strength

Why credit ratings matter for current accounts: Your current account bank handles your everyday money. A strong credit rating suggests the bank is well-managed and financially sound, reducing the risk of disruption to your banking services.

Top Rated Banks for Current Accounts (by Credit Rating)

Investment Grade Banks for Current Accounts

28 out of 34 banks in this category hold investment grade ratings.

Investment Grade (28)

Handelsbanken (AA)

Bank of Scotland plc (AA-)

Coutts & Company (AA-)

HSBC UK Bank plc (AA-)

Lloyds Bank plc (AA-)

NatWest (AA-)

Royal Bank of Scotland (AA-)

Sainsbury's Bank Plc (AA-)

Barclays Bank UK PLC (A+)

Nationwide Building Society (A+)

... and 18 more

Below Investment Grade (6)

Monzo Bank Ltd (BB+)

Secure Trust Bank PLC (BB+)

Shawbrook Bank Limited (BB+)

Atom Bank plc (BB)

Metro Bank PLC (BB-)

Vanquis Bank Limited (BB-)

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