Goldman Sachs International Bank vs Royal Bank of Scotland
Goldman Sachs International Bank has a blended long-term credit rating of A+ and Royal Bank of Scotland AA-, so Royal Bank of Scotland is rated 1 notch higher. Goldman Sachs International Bank and Royal Bank of Scotland 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, 48% of Royal Bank of Scotland's personal customers would recommend it for overall service; Goldman Sachs International Bank is not one of the brands surveyed.
Goldman Sachs International Bank
S&P, Moody's, Fitch
Royal Bank of Scotland
S&P, Moody's, Fitch
Rating History Comparison
Comparison Summary
| Metric | Goldman Sachs International Bank | Royal Bank of Scotland | Difference |
|---|---|---|---|
| Credit Rating | A+ | AA- | Royal Bank of Scotland 1 notch higher |
| Normalized Score | 82 | 83 | -1 points |
| Agencies | S&P, Moody's, Fitch | S&P, Moody's, Fitch | Same |
| Outlook | Positive | Stable | Different |
| Trend | NEW |
Different | |
| Investment Grade | Yes | Yes | Same |
Service record and deposit protection
| Measure | Goldman Sachs International Bank | Royal Bank of Scotland |
|---|---|---|
| Would recommend for overall service (CMA survey, Aug 2026, personal, GB) | not surveyed | 48% (rank 17 of 17) |
| Would recommend for online and mobile banking | not surveyed | 66% (rank 14 of 17) |
| Banking complaints per 1,000 accounts (FCA) | not published | 2.83 (2025 H2) |
| Complaints upheld by the bank | not published | 59% |
| Major operational or security incidents reported to the FCA, last 12 months | not collected | 10 (to Jun 2026) |
| Banking licence (FCA reference) | 124659 | 114724 |
Goldman Sachs International Bank and Royal Bank of Scotland 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 Goldman Sachs International Bank or Royal Bank of Scotland financially stronger?
Goldman Sachs International Bank has a blended long-term credit rating of A+ and Royal Bank of Scotland AA-, so Royal Bank of Scotland 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 Goldman Sachs International Bank and Royal Bank of Scotland share FSCS protection?
Goldman Sachs International Bank and Royal Bank of Scotland 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, Goldman Sachs International Bank or Royal Bank of Scotland?
In the CMA's August 2026 service quality survey, 48% of Royal Bank of Scotland's personal customers would recommend it for overall service; Goldman Sachs International Bank is not one of the brands surveyed. A service score reflects customers' experience, not the bank's financial strength.
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