HSBC UK Bank plc vs Monzo Bank Ltd

Side-by-side credit rating comparison of these two UK banks

Rating History Comparison
AA-A+AA-BBB+BBBBBB-BB+BBBB-B+Jan 2016Jul 2026HSBC UK Bank plc — 15 Jan 2016: A+HSBC UK Bank plc — 27 Jan 2026: AA-HSBC UK Bank plc — 10 Jul 2026: AA-AA-Monzo Bank Ltd — 15 Jun 2019: BB-Monzo Bank Ltd — 15 Jun 2023: BBMonzo Bank Ltd — 27 Jan 2026: BB+BB+
HSBC UK Bank plcMonzo Bank Ltd
HSBC UK Bank plc
Monzo Bank Ltd
Comparison Summary
Metric HSBC UK Bank plc Monzo Bank Ltd Difference
Credit Rating AA- BB+ HSBC UK Bank plc rated ~6 notches higher
Normalized Score 83 50

+33 points

Agencies S&P, Moody's, Fitch Fitch Different
Outlook Positive Stable Different
Trend
Different
Investment Grade Yes No Different
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