FCE Bank plc vs HSBC Bank plc
FCE Bank has a blended long-term credit rating of BBB and HSBC Bank AA-, so HSBC Bank is rated 5 notches higher. FCE Bank and HSBC Bank hold separate banking licences, so eligible savings with each are protected by the FSCS up to £120,000 per person separately.
FCE Bank plc
S&P, Moody's, Fitch
HSBC Bank plc
S&P, Moody's, Fitch
Rating History Comparison
Comparison Summary
| Metric | FCE Bank plc | HSBC Bank plc | Difference |
|---|---|---|---|
| Credit Rating | BBB | AA- | HSBC Bank 5 notches higher |
| Normalized Score | 58 | 83 | -25 points |
| Agencies | S&P, Moody's, Fitch | S&P, Moody's, Fitch | Same |
| Outlook | Stable | Positive | Different |
| Trend | NEW |
NEW |
Same |
| Investment Grade | Yes | Yes | Same |
Service record and deposit protection
| Measure | FCE Bank | 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) | not published | 0.29 (2025 H1) |
| Complaints upheld by the bank | 61% | 52% |
| Major operational or security incidents reported to the FCA, last 12 months | not collected | not collected |
| Banking licence (FCA reference) | 204469 | 114216 |
FCE Bank 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 FCE Bank or HSBC Bank financially stronger?
FCE Bank has a blended long-term credit rating of BBB and HSBC Bank AA-, so HSBC Bank is rated 5 notches 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 FCE Bank and HSBC Bank share FSCS protection?
FCE Bank and HSBC Bank hold separate banking licences, so eligible savings with each are protected by the FSCS up to £120,000 per person separately.
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