AIB Group (UK) p.l.c. vs Lloyds Bank plc
AIB Group (UK) has a blended long-term credit rating of A+ and Lloyds Bank AA-, so Lloyds Bank is rated 1 notch higher. AIB Group (UK) and Lloyds Bank hold separate banking licences, so eligible savings with each are protected by the FSCS up to £120,000 per person separately. In the CMA's August 2026 service quality survey, 62% of Lloyds Bank's personal customers would recommend it for overall service; AIB Group (UK) is not one of the brands surveyed.
AIB Group (UK) p.l.c.
Moody's
Lloyds Bank plc
S&P, Moody's, Fitch
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Rating History Comparison
Comparison Summary
| Metric | AIB Group (UK) p.l.c. | Lloyds Bank plc | Difference |
|---|---|---|---|
| Credit Rating | A+ | AA- | Lloyds Bank 1 notch higher |
| Normalized Score | 80 | 83 | -3 points |
| Agencies | Moody's | S&P, Moody's, Fitch | Different |
| Outlook | Stable | N/A | Different |
| Trend | NEW |
Different | |
| Investment Grade | Yes | Yes | Same |
Service record and deposit protection
| Measure | AIB Group (UK) | Lloyds Bank |
|---|---|---|
| Would recommend for overall service (CMA survey, Aug 2026, personal, GB) | not surveyed | 62% (rank 7 of 17) |
| Would recommend for online and mobile banking | not surveyed | 76% (rank 5= of 17) |
| Banking complaints per 1,000 accounts (FCA) | not published | 3.16 (2026 H1) |
| Complaints upheld by the bank | not published | 66% |
| Major operational or security incidents reported to the FCA, last 12 months | not collected | 21 (to Jun 2026) |
| Banking licence (FCA reference) | 122088 | 119278 |
AIB Group (UK) and Lloyds 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 Lloyds Bank financially stronger?
AIB Group (UK) has a blended long-term credit rating of A+ and Lloyds Bank AA-, so Lloyds 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 Lloyds Bank share FSCS protection?
AIB Group (UK) and Lloyds Bank hold separate banking licences, so eligible savings with each are protected by the FSCS up to £120,000 per person separately.
Which has better customer service, AIB Group (UK) or Lloyds Bank?
In the CMA's August 2026 service quality survey, 62% of Lloyds Bank's personal customers would recommend it for overall service; AIB Group (UK) is not one of the brands surveyed. A service score reflects customers' experience, not the bank's financial strength.
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