Coutts & Company vs HSBC Bank plc
Coutts & Company has a blended long-term credit rating of AA- and HSBC Bank AA-, the same grade. Coutts & Company and HSBC Bank 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, Coutts & Company received 4.98 banking complaints per 1,000 accounts and HSBC Bank 0.29.
Coutts & Company
S&P, Moody's, Fitch
HSBC Bank plc
S&P, Moody's, Fitch
Rating History Comparison
Comparison Summary
| Metric | Coutts & Company | HSBC Bank plc | Difference |
|---|---|---|---|
| Credit Rating | AA- | AA- | Same grade |
| Normalized Score | 83 | 83 | Equal |
| Agencies | S&P, Moody's, Fitch | S&P, Moody's, Fitch | Same |
| Outlook | Stable | Positive | Different |
| Trend | NEW |
Different | |
| Investment Grade | Yes | Yes | Same |
Service record and deposit protection
| Measure | Coutts & Company | HSBC Bank |
|---|---|---|
| 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) | 4.98 (2026 H1) | 0.29 (2025 H1) |
| Complaints upheld by the bank | 43% | 52% |
| Major operational or security incidents reported to the FCA, last 12 months | not collected | not collected |
| Banking licence (FCA reference) | 122287 | 114216 |
Coutts & Company and HSBC 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 Coutts & Company or HSBC Bank financially stronger?
Coutts & Company has a blended long-term credit rating of AA- and HSBC Bank AA-, 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 Coutts & Company and HSBC Bank share FSCS protection?
Coutts & Company and HSBC 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, Coutts & Company or HSBC Bank?
In the FCA's latest complaints figures, Coutts & Company received 4.98 banking complaints per 1,000 accounts and HSBC Bank 0.29. A service score reflects customers' experience, not the bank's financial strength.
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