HSBC Bank plc vs RCI Bank UK Limited
HSBC Bank has a blended long-term credit rating of AA-. RCI Bank UK 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. HSBC Bank and RCI Bank UK hold separate banking licences, so eligible savings with each are protected by the FSCS up to £120,000 per person separately.
HSBC Bank plc
S&P, Moody's, Fitch
RCI Bank UK Limited
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Rating History Comparison
Comparison Summary
| Metric | HSBC Bank plc | RCI Bank UK Limited | Difference |
|---|---|---|---|
| Credit Rating | AA- | N/A | N/A |
| Normalized Score | 83 | 0 | +83 points |
| Agencies | S&P, Moody's, Fitch | N/A | Different |
| Outlook | Positive | N/A | Different |
| Trend | NEW |
Different | |
| Investment Grade | Yes | No | Different |
Service record and deposit protection
| Measure | HSBC Bank | RCI Bank UK |
|---|---|---|
| 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) | 0.29 (2025 H1) | not published |
| Complaints upheld by the bank | 52% | not published |
| Major operational or security incidents reported to the FCA, last 12 months | not collected | not collected |
| Banking licence (FCA reference) | 114216 | 815220 |
HSBC Bank and RCI Bank UK 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 HSBC Bank or RCI Bank UK financially stronger?
HSBC Bank has a blended long-term credit rating of AA-. RCI Bank UK 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 HSBC Bank and RCI Bank UK share FSCS protection?
HSBC Bank and RCI Bank UK 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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