Santander UK plc vs Tesco Bank

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

S
Santander UK plc
Credit Rating
A+
Normalized Score

80 / 100

Agencies

S&P, Moody's, Fitch

Outlook
Stable
Last Updated

12 October 2026

VS
T
Tesco Bank
Higher Rated
Credit Rating
A+
Normalized Score

82 / 100

Agencies

S&P, Moody's, Fitch

Outlook
Stable
Last Updated

10 July 2026

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

S&P, Moody's, Fitch

Outlook
Stable
T
Tesco Bank
Higher Rated
Credit Rating
A+
Score
82 / 100
Agencies

S&P, Moody's, Fitch

Outlook
Stable
Swipe to compare
Rating History Comparison
AA-A+AJan 2016Jul 2026Santander UK plc — 15 Jan 2016: ASantander UK plc — 15 Mar 2019: A+Santander UK plc — 10 Jul 2026: A+A+Tesco Bank — 10 Jul 2026: A+A+
Santander UK plcTesco Bank
Santander UK plc
Tesco Bank
Comparison Summary
Metric Santander UK plc Tesco Bank Difference
Credit Rating A+ A+ Tesco Bank rated ~0 notches higher
Normalized Score 80 82

-2 points

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