Bank of Ireland UK vs Skipton Building Society
Bank of Ireland UK has a blended long-term credit rating of A+ and Skipton Building Society A, so Bank of Ireland UK is rated 1 notch higher. Bank of Ireland UK 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. In the FCA's latest complaints figures, Bank of Ireland UK received 1.89 banking complaints per 1,000 accounts and Skipton Building Society 2.20.
Bank of Ireland UK
Moody's, Fitch
Skipton Building Society
Moody's, Fitch
Rating History Comparison
Comparison Summary
| Metric | Bank of Ireland UK | Skipton Building Society | Difference |
|---|---|---|---|
| Credit Rating | A+ | A | Bank of Ireland UK 1 notch higher |
| Normalized Score | 78 | 75 | +3 points |
| Agencies | Moody's, Fitch | Moody's, Fitch | Same |
| Outlook | Stable | Stable | Same |
| Trend | NEW |
NEW |
Same |
| Investment Grade | Yes | Yes | Same |
Service record and deposit protection
| Measure | Bank of Ireland UK | 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) | 1.89 (2026 H1, group figure) | 2.20 (2026 H1) |
| Complaints upheld by the bank | 39% | 73% |
| Major operational or security incidents reported to the FCA, last 12 months | 0 (to Jun 2026) | not collected |
| Banking licence (FCA reference) | 512956 | 153706 |
Bank of Ireland UK 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 Bank of Ireland UK or Skipton Building Society financially stronger?
Bank of Ireland UK has a blended long-term credit rating of A+ and Skipton Building Society A, so Bank of Ireland UK 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 Bank of Ireland UK and Skipton Building Society share FSCS protection?
Bank of Ireland UK 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.
Which has better customer service, Bank of Ireland UK or Skipton Building Society?
In the FCA's latest complaints figures, Bank of Ireland UK received 1.89 banking complaints per 1,000 accounts and Skipton Building Society 2.20. A service score reflects customers' experience, not the bank's financial strength.
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