Monzo Bank Ltd vs Virgin Money UK PLC

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

Rating History Comparison
AA-BBB+BBBBBB-BB+BBBB-B+Jan 2016Apr 2026Monzo Bank Ltd — 15 Jun 2019: BB-Monzo Bank Ltd — 15 Jun 2023: BBMonzo Bank Ltd — 27 Jan 2026: BB+BB+Virgin Money UK PLC — 15 Jan 2016: BBB+Virgin Money UK PLC — 15 Mar 2019: A-Virgin Money UK PLC — 15 Jun 2019: A-Virgin Money UK PLC — 03 Apr 2026: A-A-
Monzo Bank LtdVirgin Money UK PLC
Monzo Bank Ltd
Virgin Money UK PLC
Comparison Summary
Metric Monzo Bank Ltd Virgin Money UK PLC Difference
Credit Rating BB+ A- Virgin Money UK PLC rated ~3 notches higher
Normalized Score 50 68

-18 points

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