AIB Group (UK) p.l.c. vs Bank of Ireland UK
AIB Group (UK) has a blended long-term credit rating of A+ and Bank of Ireland UK A+, the same grade. AIB Group (UK) and Bank of Ireland UK hold separate banking licences, so eligible savings with each are protected by the FSCS up to £120,000 per person separately.
AIB Group (UK) p.l.c.
Moody's
Bank of Ireland UK
Moody's, Fitch
Rating History Comparison
Comparison Summary
| Metric | AIB Group (UK) p.l.c. | Bank of Ireland UK | Difference |
|---|---|---|---|
| Credit Rating | A+ | A+ | Same grade |
| Normalized Score | 80 | 78 | +2 points |
| Agencies | Moody's | Moody's, Fitch | Different |
| Outlook | Stable | Stable | Same |
| Trend | NEW |
NEW |
Same |
| Investment Grade | Yes | Yes | Same |
Service record and deposit protection
| Measure | AIB Group (UK) | Bank of Ireland UK |
|---|---|---|
| Would recommend for overall service (CMA survey, Aug 2026, personal, GB) | not surveyed | not surveyed |
| Would recommend for online and mobile banking | not surveyed | not surveyed |
| Banking complaints per 1,000 accounts (FCA) | not published | 1.89 (2026 H1, group figure) |
| Complaints upheld by the bank | not published | 39% |
| Major operational or security incidents reported to the FCA, last 12 months | not collected | 0 (to Jun 2026) |
| Banking licence (FCA reference) | 122088 | 512956 |
AIB Group (UK) and Bank of Ireland UK hold separate banking licences, so eligible savings with each are protected by the FSCS up to £120,000 per person separately.
Survey: CMA / Ipsos, share of each brand's own customers who would recommend it (full rankings). Complaints: FCA firm-level data for the licence holder (all banks). Incidents: figures each bank must publish under the FCA's BCOBS 7 rules (all banks). A service score is about experience, not financial strength.Frequently asked questions
Is AIB Group (UK) or Bank of Ireland UK financially stronger?
AIB Group (UK) has a blended long-term credit rating of A+ and Bank of Ireland UK A+, the same grade. A credit rating is an agency's opinion of a bank's ability to repay its debts, not a guarantee, and it says nothing about service.
Do AIB Group (UK) and Bank of Ireland UK share FSCS protection?
AIB Group (UK) and Bank of Ireland UK hold separate banking licences, so eligible savings with each are protected by the FSCS up to £120,000 per person separately.
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