Al Rayan Bank PLC vs Skipton Building Society
Al Rayan Bank has a blended long-term credit rating of A and Skipton Building Society A, the same grade. Al Rayan Bank and Skipton Building Society hold separate banking licences, so eligible savings with each are protected by the FSCS up to £120,000 per person separately.
Al Rayan Bank PLC
Moody's
Skipton Building Society
Moody's, Fitch
Rating History Comparison
Comparison Summary
| Metric | Al Rayan Bank PLC | Skipton Building Society | Difference |
|---|---|---|---|
| Credit Rating | A | A | Same grade |
| Normalized Score | 75 | 75 | Equal |
| 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 | Al Rayan Bank | Skipton Building Society |
|---|---|---|
| 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 | 2.20 (2026 H1) |
| Complaints upheld by the bank | not published | 73% |
| Major operational or security incidents reported to the FCA, last 12 months | not collected | not collected |
| Banking licence (FCA reference) | 229148 | 153706 |
Al Rayan Bank and Skipton Building Society 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 Al Rayan Bank or Skipton Building Society financially stronger?
Al Rayan Bank has a blended long-term credit rating of A and Skipton Building Society 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 Al Rayan Bank and Skipton Building Society share FSCS protection?
Al Rayan Bank and Skipton Building Society 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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