Atom Bank plc vs Lloyds 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: BBBBLloyds Bank plc — 15 Jan 2016: ALloyds Bank plc — 15 Jun 2018: A+Lloyds Bank plc — 21 Nov 2018: A+Lloyds Bank plc — 09 Jul 2026: AA-AA-
Atom Bank plcLloyds Bank plc
Atom Bank plc
Lloyds Bank plc
Comparison Summary
Metric Atom Bank plc Lloyds Bank plc Difference
Credit Rating BB AA- Lloyds Bank plc rated ~7 notches higher
Normalized Score 45 83

-38 points

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