Lloyds Bank plc vs Vanquis Bank Limited

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

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VS
V
Vanquis Bank Limited
Credit Rating
BB-
NEW
Normalized Score

40 / 100

Agencies

Fitch

Outlook
Positive
Last Updated

10 July 2026

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

S&P, Moody's, Fitch

Outlook

—

V
Vanquis Bank Limited
Credit Rating
BB-
NEW
Score
40 / 100
Agencies

Fitch

Outlook
Positive
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Lloyds Bank plc Details Vanquis Bank Limited Details
Rating History Comparison
AA-A+AA-BBB+BBBBBB-BB+BBBB-B+Jan 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-Vanquis Bank Limited — 10 Jul 2026: BB-BB-
Lloyds Bank plcVanquis Bank Limited
Lloyds Bank plc
Vanquis Bank Limited
Comparison Summary
Metric Lloyds Bank plc Vanquis Bank Limited Difference
Credit Rating AA- BB- Lloyds Bank plc rated ~8 notches higher
Normalized Score 83 40

+43 points

Agencies S&P, Moody's, Fitch Fitch Different
Outlook N/A Positive Different
Trend
NEW
 Different
Investment Grade Yes No Different
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