Atom Bank plc vs HSBC UK Bank plc

Side-by-side credit rating comparison of these two UK banks

Rating History Comparison
AA-A+AA-BBB+BBBBBB-BB+BBBB-B+BJan 2016Jul 2026Atom Bank plc — 15 Jun 2019: B+Atom Bank plc — 15 Mar 2023: BB-Atom Bank plc — 27 Jan 2026: BBBBHSBC UK Bank plc — 15 Jan 2016: A+HSBC UK Bank plc — 27 Jan 2026: AA-HSBC UK Bank plc — 10 Jul 2026: AA-AA-
Atom Bank plcHSBC UK Bank plc
Atom Bank plc
HSBC UK Bank plc
Comparison Summary
Metric Atom Bank plc HSBC UK Bank plc Difference
Credit Rating BB AA- HSBC UK Bank plc rated ~7 notches higher
Normalized Score 45 83

-38 points

Agencies Fitch S&P, Moody's, Fitch Different
Outlook Stable Positive Different
Trend
Different
Investment Grade No Yes Different
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