Lloyds Bank plc vs Santander UK plc

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

L
Lloyds Bank plc
Higher Rated
Credit Rating
AA-
Normalized Score

83 / 100

Agencies

S&P, Moody's, Fitch

Outlook

—

Last Updated

19 July 2026

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

L
Lloyds Bank plc
Higher Rated
Credit Rating
AA-
Score
83 / 100
Agencies

S&P, Moody's, Fitch

Outlook

—

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

S&P, Moody's, Fitch

Outlook
Stable
Swipe to compare
Rating History Comparison
AA-A+AJan 2016Jul 2026Lloyds Bank plc — 15 Jan 2016: ALloyds Bank plc — 15 Jun 2018: A+Lloyds Bank plc — 21 Nov 2018: A+Lloyds Bank plc — 09 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+
Lloyds Bank plcSantander UK plc
Lloyds Bank plc
Santander UK plc
Comparison Summary
Metric Lloyds Bank plc Santander UK plc Difference
Credit Rating AA- A+ Lloyds 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 N/A Stable Different
Trend Different
Investment Grade Yes Yes Same
Compare with Other Banks

Select another bank to compare: