Cater Allen Limited vs Lloyds Bank plc
Lloyds Bank has a blended long-term credit rating of AA-. Cater Allen has no public long-term credit rating from S&P, Moody's or Fitch. That is common for smaller UK banks and is not in itself a sign of weakness. Cater Allen and Lloyds Bank 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, 62% of Lloyds Bank's personal customers would recommend it for overall service; Cater Allen is not one of the brands surveyed.
Cater Allen Limited
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Lloyds Bank plc
S&P, Moody's, Fitch
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Rating History Comparison
Comparison Summary
| Metric | Cater Allen Limited | Lloyds Bank plc | Difference |
|---|---|---|---|
| Credit Rating | N/A | AA- | N/A |
| Normalized Score | 0 | 83 | -83 points |
| Agencies | N/A | S&P, Moody's, Fitch | Different |
| Outlook | N/A | N/A | Same |
| Trend | Same | ||
| Investment Grade | No | Yes | Different |
Service record and deposit protection
| Measure | Cater Allen | Lloyds Bank |
|---|---|---|
| Would recommend for overall service (CMA survey, Aug 2026, personal, GB) | not surveyed | 62% (rank 7 of 17) |
| Would recommend for online and mobile banking | not surveyed | 76% (rank 5= of 17) |
| Banking complaints per 1,000 accounts (FCA) | not published | 3.16 (2026 H1) |
| Complaints upheld by the bank | not published | 66% |
| Major operational or security incidents reported to the FCA, last 12 months | not collected | 21 (to Jun 2026) |
| Banking licence (FCA reference) | 178737 | 119278 |
Cater Allen and Lloyds Bank 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 Cater Allen or Lloyds Bank financially stronger?
Lloyds Bank has a blended long-term credit rating of AA-. Cater Allen has no public long-term credit rating from S&P, Moody's or Fitch. That is common for smaller UK banks and is not in itself a sign of weakness. 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 Cater Allen and Lloyds Bank share FSCS protection?
Cater Allen and Lloyds Bank 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, Cater Allen or Lloyds Bank?
In the CMA's August 2026 service quality survey, 62% of Lloyds Bank's personal customers would recommend it for overall service; Cater Allen is not one of the brands surveyed. A service score reflects customers' experience, not the bank's financial strength.
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