AIB Group (UK) p.l.c. vs HSBC Bank plc
AIB Group (UK) has a blended long-term credit rating of A+ and HSBC Bank AA-, so HSBC Bank is rated 1 notch higher. AIB Group (UK) and HSBC Bank 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
HSBC Bank plc
S&P, Moody's, Fitch
Rating History Comparison
Comparison Summary
| Metric | AIB Group (UK) p.l.c. | HSBC Bank plc | Difference |
|---|---|---|---|
| Credit Rating | A+ | AA- | HSBC Bank 1 notch higher |
| Normalized Score | 80 | 83 | -3 points |
| Agencies | Moody's | S&P, Moody's, Fitch | Different |
| Outlook | Stable | Positive | Different |
| Trend | NEW |
NEW |
Same |
| Investment Grade | Yes | Yes | Same |
Service record and deposit protection
| Measure | AIB Group (UK) | HSBC Bank |
|---|---|---|
| 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 | 0.29 (2025 H1) |
| Complaints upheld by the bank | not published | 52% |
| Major operational or security incidents reported to the FCA, last 12 months | not collected | not collected |
| Banking licence (FCA reference) | 122088 | 114216 |
AIB Group (UK) and HSBC Bank 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 HSBC Bank financially stronger?
AIB Group (UK) has a blended long-term credit rating of A+ and HSBC Bank AA-, so HSBC Bank is rated 1 notch higher. 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 HSBC Bank share FSCS protection?
AIB Group (UK) and HSBC Bank 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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