HSBC UK Bank plc vs Santander UK plc

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

H
HSBC UK Bank plc
Higher Rated
Credit Rating
AA-
Normalized Score

83 / 100

Agencies

S&P, Moody's, Fitch

Outlook
Positive
Last Updated

19 July 2026

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VS
S
Santander UK plc
Credit Rating
A+
Normalized Score

80 / 100

Agencies

S&P, Moody's, Fitch

Outlook
Stable
Last Updated

12 October 2026

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H
HSBC UK Bank plc
Higher Rated
Credit Rating
AA-
Score
83 / 100
Agencies

S&P, Moody's, Fitch

Outlook
Positive
S
Santander UK plc
Credit Rating
A+
Score
80 / 100
Agencies

S&P, Moody's, Fitch

Outlook
Stable
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HSBC UK Bank plc Details Santander UK plc Details
Rating History Comparison
AA-A+AJan 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-Santander UK plc — 15 Jan 2016: ASantander UK plc — 15 Mar 2019: A+Santander UK plc — 10 Jul 2026: A+A+
HSBC UK Bank plcSantander UK plc
HSBC UK Bank plc
Santander UK plc
Comparison Summary
Metric HSBC UK Bank plc Santander UK plc Difference
Credit Rating AA- A+ HSBC UK Bank plc rated ~0 notches higher
Normalized Score 83 80

+3 points

Agencies S&P, Moody's, Fitch S&P, Moody's, Fitch Same
Outlook Positive Stable Different
Trend Same
Investment Grade Yes Yes Same
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