AIB Group (UK) p.l.c. vs NatWest
AIB Group (UK) has a blended long-term credit rating of A+ and NatWest AA-, so NatWest is rated 1 notch higher. AIB Group (UK) and NatWest 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, 57% of NatWest'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
NatWest
S&P, Moody's, Fitch
Rating History Comparison
Comparison Summary
| Metric | AIB Group (UK) p.l.c. | NatWest | Difference |
|---|---|---|---|
| Credit Rating | A+ | AA- | NatWest 1 notch higher |
| Normalized Score | 80 | 83 | -3 points |
| Agencies | Moody's | S&P, Moody's, Fitch | Different |
| Outlook | Stable | Stable | Same |
| Trend | NEW |
Different | |
| Investment Grade | Yes | Yes | Same |
Service record and deposit protection
| Measure | AIB Group (UK) | NatWest |
|---|---|---|
| Would recommend for overall service (CMA survey, Aug 2026, personal, GB) | not surveyed | 57% (rank 12 of 17) |
| Would recommend for online and mobile banking | not surveyed | 70% (rank 11= of 17) |
| Banking complaints per 1,000 accounts (FCA) | not published | 2.74 (2026 H1) |
| Complaints upheld by the bank | not published | 55% |
| Major operational or security incidents reported to the FCA, last 12 months | not collected | 13 (to Jun 2026) |
| Banking licence (FCA reference) | 122088 | 121878 |
AIB Group (UK) and NatWest 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 NatWest financially stronger?
AIB Group (UK) has a blended long-term credit rating of A+ and NatWest AA-, so NatWest 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 NatWest share FSCS protection?
AIB Group (UK) and NatWest 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 NatWest?
In the CMA's August 2026 service quality survey, 57% of NatWest'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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