Co-operative Bank plc vs Investec Bank plc
Co-operative Bank has a blended long-term credit rating of A and Investec Bank A, the same grade. Co-operative Bank and Investec 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, 55% of Co-operative Bank's personal customers would recommend it for overall service; Investec Bank is not one of the brands surveyed.
Co-operative Bank plc
Moody's, Fitch
Investec Bank plc
Moody's, Fitch
Rating History Comparison
Comparison Summary
| Metric | Co-operative Bank plc | Investec Bank plc | Difference |
|---|---|---|---|
| Credit Rating | A | A | Same grade |
| Normalized Score | 75 | 75 | Equal |
| Agencies | Moody's, Fitch | Moody's, Fitch | Same |
| Outlook | Stable | Stable | Same |
| Trend | Different | ||
| Investment Grade | Yes | Yes | Same |
Service record and deposit protection
| Measure | Co-operative Bank | Investec Bank |
|---|---|---|
| Would recommend for overall service (CMA survey, Aug 2026, personal, GB) | 55% (rank 13= of 17) | not surveyed |
| Would recommend for online and mobile banking | 60% (rank 16= of 17) | not surveyed |
| Banking complaints per 1,000 accounts (FCA) | 2.62 (2025 H1) | not published |
| Complaints upheld by the bank | 68% | not published |
| Major operational or security incidents reported to the FCA, last 12 months | 5 (to Jun 2026) | not collected |
| Banking licence (FCA reference) | 121885 | 172330 |
Co-operative Bank and Investec 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 Co-operative Bank or Investec Bank financially stronger?
Co-operative Bank has a blended long-term credit rating of A and Investec Bank 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 Co-operative Bank and Investec Bank share FSCS protection?
Co-operative Bank and Investec 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, Co-operative Bank or Investec Bank?
In the CMA's August 2026 service quality survey, 55% of Co-operative Bank's personal customers would recommend it for overall service; Investec Bank is not one of the brands surveyed. A service score reflects customers' experience, not the bank's financial strength.
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