{
  "source": "https://bankcreditratings.co.uk/data",
  "licence": "Free to reuse, including commercially, with a link to https://bankcreditratings.co.uk/data. No warranty; check the agency or the bank before relying on a grade.",
  "generated": "2026-10-24",
  "note": "Ratings are the opinions of S\u0026P Global Ratings, Moody\u0027s and Fitch Ratings, collected from public sources (each grade\u0027s source_url). The blended grade is this site\u0027s average of the available agencies on one scale.",
  "banks": [
    {
      "name": "AIB Group (UK) p.l.c.",
      "url": "https://bankcreditratings.co.uk/bank/aib-group-uk-plc",
      "fca_frn": "122088",
      "status": "rated",
      "blended_grade": "A\u002B",
      "blended_outlook": "Stable",
      "ratings": {
        "s_and_p": null,
        "moodys": {
          "rating": "A1",
          "outlook": "Stable",
          "as_of": "2026-10-24",
          "source_url": "https://www.aib.ie/investorrelations/financial-information/credit-ratings/moodys"
        },
        "fitch": null
      },
      "rating_last_changed": "2026-10-24",
      "trading_names": []
    },
    {
      "name": "Al Rayan Bank PLC",
      "url": "https://bankcreditratings.co.uk/bank/al-rayan-bank-plc",
      "fca_frn": "229148",
      "status": "rated",
      "blended_grade": "A",
      "blended_outlook": "Stable",
      "ratings": {
        "s_and_p": null,
        "moodys": {
          "rating": "A2",
          "outlook": "Stable",
          "as_of": "2026-05-11",
          "source_url": "https://www.alrayanbank.co.uk/sites/default/files/media/file-uploads/2026-07/credit_opinion-alrayan-bank-limited-update-11may2026-pbc_1482605.pdf"
        },
        "fitch": null
      },
      "rating_last_changed": "2026-10-24",
      "trading_names": []
    },
    {
      "name": "Aldermore Bank Plc",
      "url": "https://bankcreditratings.co.uk/bank/aldermore-bank-plc",
      "fca_frn": "204503",
      "status": "rated",
      "blended_grade": "BBB\u002B",
      "blended_outlook": "Negative",
      "ratings": {
        "s_and_p": null,
        "moodys": {
          "rating": "Baa1",
          "outlook": "Negative",
          "as_of": "2026-10-22",
          "source_url": "https://www.aldermore.co.uk/investors/debt-investors/credit-rating"
        },
        "fitch": null
      },
      "rating_last_changed": "2026-10-22",
      "trading_names": []
    },
    {
      "name": "Allica Bank Limited",
      "url": "https://bankcreditratings.co.uk/bank/allica-bank-limited",
      "fca_frn": "821851",
      "status": "not-rated",
      "blended_grade": null,
      "blended_outlook": null,
      "ratings": {
        "s_and_p": null,
        "moodys": null,
        "fitch": null
      },
      "rating_last_changed": null,
      "trading_names": []
    },
    {
      "name": "Arbuthnot Latham \u0026 Co",
      "url": "https://bankcreditratings.co.uk/bank/arbuthnot-latham-and-co",
      "fca_frn": "143336",
      "status": "not-rated",
      "blended_grade": null,
      "blended_outlook": null,
      "ratings": {
        "s_and_p": null,
        "moodys": null,
        "fitch": null
      },
      "rating_last_changed": null,
      "trading_names": []
    },
    {
      "name": "Atom Bank plc",
      "url": "https://bankcreditratings.co.uk/bank/atom-bank-plc",
      "fca_frn": "661960",
      "status": "not-rated",
      "blended_grade": null,
      "blended_outlook": null,
      "ratings": {
        "s_and_p": null,
        "moodys": null,
        "fitch": null
      },
      "rating_last_changed": null,
      "trading_names": []
    },
    {
      "name": "Bank of Ireland UK",
      "url": "https://bankcreditratings.co.uk/bank/bank-of-ireland-uk",
      "fca_frn": "512956",
      "status": "rated",
      "blended_grade": "A\u002B",
      "blended_outlook": "Stable",
      "ratings": {
        "s_and_p": null,
        "moodys": {
          "rating": "A2",
          "outlook": "Stable",
          "as_of": "2026-08-28",
          "source_url": "https://investorrelations.bankofireland.com/app/uploads/Credit_Opinion-Bank-of-Ireland-Group-plc-28Aug2026-PBC_1493717.pdf"
        },
        "fitch": {
          "rating": "A\u002B",
          "outlook": "Stable",
          "as_of": "2026-05-12",
          "source_url": "https://investorrelations.bankofireland.com/app/uploads/Fitch-Takes-Rating-Actions-on-2-Irish-Banking-Groups-Following-Criteria-Update.pdf"
        }
      },
      "rating_last_changed": "2026-10-24",
      "trading_names": [
        "Post Office Money"
      ]
    },
    {
      "name": "Bank of Scotland plc",
      "url": "https://bankcreditratings.co.uk/bank/bank-of-scotland-plc",
      "fca_frn": "169628",
      "status": "rated",
      "blended_grade": "AA-",
      "blended_outlook": null,
      "ratings": {
        "s_and_p": {
          "rating": "A\u002B",
          "outlook": null,
          "as_of": "2026-07-19",
          "source_url": "https://www.lloydsbankinggroup.com/investors/fixed-income-investors/credit-ratings.html"
        },
        "moodys": {
          "rating": "A1",
          "outlook": null,
          "as_of": "2026-07-10",
          "source_url": "https://www.lloydsbankinggroup.com/investors/fixed-income-investors/credit-ratings.html"
        },
        "fitch": {
          "rating": "AA",
          "outlook": null,
          "as_of": "2026-07-10",
          "source_url": "https://www.lloydsbankinggroup.com/investors/fixed-income-investors/credit-ratings.html"
        }
      },
      "rating_last_changed": "2026-07-10",
      "trading_names": [
        "Halifax",
        "Intelligent Finance",
        "Birmingham Midshires"
      ]
    },
    {
      "name": "Barclays Bank PLC",
      "url": "https://bankcreditratings.co.uk/bank/barclays-bank-plc",
      "fca_frn": "122702",
      "status": "rated",
      "blended_grade": "A\u002B",
      "blended_outlook": "Stable",
      "ratings": {
        "s_and_p": {
          "rating": "A\u002B",
          "outlook": "Stable",
          "as_of": "2026-10-22",
          "source_url": "https://home.barclays/investor-relations/fixed-income-investors/credit-ratings/"
        },
        "moodys": {
          "rating": "A1",
          "outlook": "Stable",
          "as_of": "2026-10-22",
          "source_url": "https://home.barclays/investor-relations/fixed-income-investors/credit-ratings/"
        },
        "fitch": {
          "rating": "AA-",
          "outlook": "Stable",
          "as_of": "2026-10-22",
          "source_url": "https://home.barclays/investor-relations/fixed-income-investors/credit-ratings/"
        }
      },
      "rating_last_changed": "2026-10-22",
      "trading_names": []
    },
    {
      "name": "Barclays Bank UK PLC",
      "url": "https://bankcreditratings.co.uk/bank/barclays-bank-uk-plc",
      "fca_frn": "759676",
      "status": "rated",
      "blended_grade": "A\u002B",
      "blended_outlook": "Stable",
      "ratings": {
        "s_and_p": {
          "rating": "A\u002B",
          "outlook": "Stable",
          "as_of": "2026-07-10",
          "source_url": "https://home.barclays/investor-relations/fixed-income-investors/credit-ratings/"
        },
        "moodys": {
          "rating": "A1",
          "outlook": "Stable",
          "as_of": "2026-07-19",
          "source_url": "https://home.barclays/investor-relations/fixed-income-investors/credit-ratings/"
        },
        "fitch": {
          "rating": "AA-",
          "outlook": "Stable",
          "as_of": "2026-07-10",
          "source_url": "https://home.barclays/investor-relations/fixed-income-investors/credit-ratings/"
        }
      },
      "rating_last_changed": "2026-07-10",
      "trading_names": [
        "Barclaycard"
      ]
    },
    {
      "name": "Brown Shipley \u0026 Co Limited",
      "url": "https://bankcreditratings.co.uk/bank/brown-shipley-and-co-limited",
      "fca_frn": "124548",
      "status": "not-rated",
      "blended_grade": null,
      "blended_outlook": null,
      "ratings": {
        "s_and_p": null,
        "moodys": null,
        "fitch": null
      },
      "rating_last_changed": null,
      "trading_names": []
    },
    {
      "name": "C. Hoare \u0026 Co",
      "url": "https://bankcreditratings.co.uk/bank/c-hoare-and-co",
      "fca_frn": "122093",
      "status": "not-rated",
      "blended_grade": null,
      "blended_outlook": null,
      "ratings": {
        "s_and_p": null,
        "moodys": null,
        "fitch": null
      },
      "rating_last_changed": null,
      "trading_names": []
    },
    {
      "name": "CAF Bank Ltd",
      "url": "https://bankcreditratings.co.uk/bank/caf-bank-ltd",
      "fca_frn": "204451",
      "status": "not-rated",
      "blended_grade": null,
      "blended_outlook": null,
      "ratings": {
        "s_and_p": null,
        "moodys": null,
        "fitch": null
      },
      "rating_last_changed": null,
      "trading_names": []
    },
    {
      "name": "Cambridge \u0026 Counties Bank Limited",
      "url": "https://bankcreditratings.co.uk/bank/cambridge-and-counties-bank-limited",
      "fca_frn": "579415",
      "status": "not-rated",
      "blended_grade": null,
      "blended_outlook": null,
      "ratings": {
        "s_and_p": null,
        "moodys": null,
        "fitch": null
      },
      "rating_last_changed": null,
      "trading_names": []
    },
    {
      "name": "Cater Allen Limited",
      "url": "https://bankcreditratings.co.uk/bank/cater-allen-limited",
      "fca_frn": "178737",
      "status": "not-rated",
      "blended_grade": null,
      "blended_outlook": null,
      "ratings": {
        "s_and_p": null,
        "moodys": null,
        "fitch": null
      },
      "rating_last_changed": null,
      "trading_names": []
    },
    {
      "name": "Charter Court Financial Services Limited",
      "url": "https://bankcreditratings.co.uk/bank/charter-court-financial-services-limited",
      "fca_frn": "494549",
      "status": "rated",
      "blended_grade": "BBB",
      "blended_outlook": "Stable",
      "ratings": {
        "s_and_p": null,
        "moodys": null,
        "fitch": {
          "rating": "BBB",
          "outlook": "Stable",
          "as_of": "2026-08-05",
          "source_url": "https://www.osb.co.uk/investors/debt-investors/overview/"
        }
      },
      "rating_last_changed": "2026-10-24",
      "trading_names": [
        "Charter Savings Bank"
      ]
    },
    {
      "name": "Chase UK",
      "url": "https://bankcreditratings.co.uk/bank/chase-uk",
      "fca_frn": "124579",
      "status": "not-rated",
      "blended_grade": null,
      "blended_outlook": null,
      "ratings": {
        "s_and_p": null,
        "moodys": null,
        "fitch": null
      },
      "rating_last_changed": null,
      "trading_names": []
    },
    {
      "name": "ClearBank Limited",
      "url": "https://bankcreditratings.co.uk/bank/clearbank-limited",
      "fca_frn": "754568",
      "status": "rated",
      "blended_grade": "BBB-",
      "blended_outlook": "Stable",
      "ratings": {
        "s_and_p": {
          "rating": "BBB-",
          "outlook": "Stable",
          "as_of": "2026-10-22",
          "source_url": "https://clear.bank/uploads/assets/ClearBank-Group-Results-2025.pdf"
        },
        "moodys": null,
        "fitch": null
      },
      "rating_last_changed": "2026-10-22",
      "trading_names": []
    },
    {
      "name": "Close Brothers Limited",
      "url": "https://bankcreditratings.co.uk/bank/close-brothers-limited",
      "fca_frn": "124750",
      "status": "rated",
      "blended_grade": "BBB\u002B",
      "blended_outlook": "Negative",
      "ratings": {
        "s_and_p": null,
        "moodys": {
          "rating": "A3",
          "outlook": "Negative",
          "as_of": "2026-04-17",
          "source_url": "https://www.closebrothers.com/credit-ratings"
        },
        "fitch": {
          "rating": "BBB",
          "outlook": "Negative",
          "as_of": "2025-12-15",
          "source_url": "https://www.closebrothers.com/credit-ratings"
        }
      },
      "rating_last_changed": "2026-07-10",
      "trading_names": []
    },
    {
      "name": "Co-operative Bank plc",
      "url": "https://bankcreditratings.co.uk/bank/co-operative-bank-plc",
      "fca_frn": "121885",
      "status": "rated",
      "blended_grade": "A",
      "blended_outlook": "Stable",
      "ratings": {
        "s_and_p": null,
        "moodys": {
          "rating": "A3",
          "outlook": "Stable",
          "as_of": "2026-07-10",
          "source_url": "https://www.co-operativebank.co.uk/about-us/investor-relations/credit-ratings/"
        },
        "fitch": {
          "rating": "A",
          "outlook": null,
          "as_of": "2026-10-24",
          "source_url": "https://www.co-operativebank.co.uk/about-us/investor-relations/credit-ratings/"
        }
      },
      "rating_last_changed": "2026-10-24",
      "trading_names": [
        "smile"
      ]
    },
    {
      "name": "Coutts \u0026 Company",
      "url": "https://bankcreditratings.co.uk/bank/coutts-and-company",
      "fca_frn": "122287",
      "status": "rated",
      "blended_grade": "AA-",
      "blended_outlook": "Stable",
      "ratings": {
        "s_and_p": {
          "rating": "A\u002B",
          "outlook": "Stable",
          "as_of": "2026-07-10",
          "source_url": "https://investors.natwestgroup.com/fixed-income-investors/credit-ratings"
        },
        "moodys": {
          "rating": "A1",
          "outlook": "Stable",
          "as_of": "2026-07-10",
          "source_url": "https://investors.natwestgroup.com/fixed-income-investors/credit-ratings"
        },
        "fitch": {
          "rating": "AA",
          "outlook": "Stable",
          "as_of": "2026-07-10",
          "source_url": "https://investors.natwestgroup.com/fixed-income-investors/credit-ratings"
        }
      },
      "rating_last_changed": "2026-07-10",
      "trading_names": []
    },
    {
      "name": "Coventry Building Society",
      "url": "https://bankcreditratings.co.uk/bank/coventry-building-society",
      "fca_frn": "150892",
      "status": "rated",
      "blended_grade": "A",
      "blended_outlook": "Stable",
      "ratings": {
        "s_and_p": null,
        "moodys": {
          "rating": "A3",
          "outlook": "Stable",
          "as_of": "2026-10-12",
          "source_url": "https://www.coventrybuildingsociety.co.uk/member/investor-relations.html"
        },
        "fitch": {
          "rating": "A",
          "outlook": "Stable",
          "as_of": "2026-10-24",
          "source_url": "https://www.coventrybuildingsociety.co.uk/member/investor-relations.html"
        }
      },
      "rating_last_changed": "2026-10-24",
      "trading_names": []
    },
    {
      "name": "Cynergy Bank Plc",
      "url": "https://bankcreditratings.co.uk/bank/cynergy-bank-plc",
      "fca_frn": "575105",
      "status": "not-rated",
      "blended_grade": null,
      "blended_outlook": null,
      "ratings": {
        "s_and_p": null,
        "moodys": null,
        "fitch": null
      },
      "rating_last_changed": null,
      "trading_names": []
    },
    {
      "name": "Danske Bank",
      "url": "https://bankcreditratings.co.uk/bank/danske-bank",
      "fca_frn": "124655",
      "status": "not-rated",
      "blended_grade": null,
      "blended_outlook": null,
      "ratings": {
        "s_and_p": null,
        "moodys": null,
        "fitch": null
      },
      "rating_last_changed": null,
      "trading_names": []
    },
    {
      "name": "EFG Private Bank Limited",
      "url": "https://bankcreditratings.co.uk/bank/efg-private-bank-limited",
      "fca_frn": "144036",
      "status": "not-rated",
      "blended_grade": null,
      "blended_outlook": null,
      "ratings": {
        "s_and_p": null,
        "moodys": null,
        "fitch": null
      },
      "rating_last_changed": null,
      "trading_names": []
    },
    {
      "name": "FCE Bank plc",
      "url": "https://bankcreditratings.co.uk/bank/fce-bank-plc",
      "fca_frn": "204469",
      "status": "rated",
      "blended_grade": "BBB",
      "blended_outlook": "Stable",
      "ratings": {
        "s_and_p": {
          "rating": "BBB-",
          "outlook": "Stable",
          "as_of": "2026-06-30",
          "source_url": "https://www.fcebank.com/pdf/investor_center/2026/FCE%202026%20Half%20Year%20Management%20Statement.pdf"
        },
        "moodys": {
          "rating": "Baa1",
          "outlook": "Stable",
          "as_of": "2026-06-30",
          "source_url": "https://www.fcebank.com/pdf/investor_center/2026/FCE%202026%20Half%20Year%20Management%20Statement.pdf"
        },
        "fitch": {
          "rating": "BBB-",
          "outlook": "Stable",
          "as_of": "2026-06-30",
          "source_url": "https://www.fcebank.com/pdf/investor_center/2026/FCE%202026%20Half%20Year%20Management%20Statement.pdf"
        }
      },
      "rating_last_changed": "2026-10-24",
      "trading_names": [
        "Ford Money"
      ]
    },
    {
      "name": "Gatehouse Bank Plc",
      "url": "https://bankcreditratings.co.uk/bank/gatehouse-bank-plc",
      "fca_frn": "475346",
      "status": "unknown",
      "blended_grade": null,
      "blended_outlook": null,
      "ratings": {
        "s_and_p": null,
        "moodys": null,
        "fitch": null
      },
      "rating_last_changed": null,
      "trading_names": []
    },
    {
      "name": "GB Bank Limited",
      "url": "https://bankcreditratings.co.uk/bank/gb-bank-limited",
      "fca_frn": "850286",
      "status": "not-rated",
      "blended_grade": null,
      "blended_outlook": null,
      "ratings": {
        "s_and_p": null,
        "moodys": null,
        "fitch": null
      },
      "rating_last_changed": null,
      "trading_names": []
    },
    {
      "name": "Goldman Sachs International Bank",
      "url": "https://bankcreditratings.co.uk/bank/goldman-sachs-international-bank",
      "fca_frn": "124659",
      "status": "rated",
      "blended_grade": "A\u002B",
      "blended_outlook": "Positive",
      "ratings": {
        "s_and_p": {
          "rating": "A\u002B",
          "outlook": "Stable",
          "as_of": "2026-10-24",
          "source_url": "https://www.goldmansachs.com/investor-relations/creditor-information/credit-ratings.pdf"
        },
        "moodys": {
          "rating": "A1",
          "outlook": "Stable",
          "as_of": "2026-10-24",
          "source_url": "https://www.goldmansachs.com/investor-relations/creditor-information/credit-ratings.pdf"
        },
        "fitch": {
          "rating": "AA-",
          "outlook": "Positive",
          "as_of": "2026-10-24",
          "source_url": "https://www.goldmansachs.com/investor-relations/creditor-information/credit-ratings.pdf"
        }
      },
      "rating_last_changed": "2026-10-24",
      "trading_names": [
        "Marcus by Goldman Sachs"
      ]
    },
    {
      "name": "Hampden \u0026 Co",
      "url": "https://bankcreditratings.co.uk/bank/hampden-and-co",
      "fca_frn": "606934",
      "status": "not-rated",
      "blended_grade": null,
      "blended_outlook": null,
      "ratings": {
        "s_and_p": null,
        "moodys": null,
        "fitch": null
      },
      "rating_last_changed": null,
      "trading_names": []
    },
    {
      "name": "Hampshire Trust Bank Plc",
      "url": "https://bankcreditratings.co.uk/bank/hampshire-trust-bank-plc",
      "fca_frn": "204601",
      "status": "not-rated",
      "blended_grade": null,
      "blended_outlook": null,
      "ratings": {
        "s_and_p": null,
        "moodys": null,
        "fitch": null
      },
      "rating_last_changed": null,
      "trading_names": []
    },
    {
      "name": "Handelsbanken",
      "url": "https://bankcreditratings.co.uk/bank/handelsbanken",
      "fca_frn": "806852",
      "status": "rated",
      "blended_grade": "AA",
      "blended_outlook": null,
      "ratings": {
        "s_and_p": {
          "rating": "AA-",
          "outlook": null,
          "as_of": "2026-07-10",
          "source_url": "https://www.handelsbanken.com/en/investor-relations/debt-investors/rating"
        },
        "moodys": {
          "rating": "Aa2",
          "outlook": null,
          "as_of": "2026-07-10",
          "source_url": "https://www.handelsbanken.com/en/investor-relations/debt-investors/rating"
        },
        "fitch": {
          "rating": "AA\u002B",
          "outlook": null,
          "as_of": "2026-07-10",
          "source_url": "https://www.handelsbanken.com/en/investor-relations/debt-investors/rating"
        }
      },
      "rating_last_changed": "2026-07-10",
      "trading_names": []
    },
    {
      "name": "HSBC Bank plc",
      "url": "https://bankcreditratings.co.uk/bank/hsbc-bank-plc",
      "fca_frn": "114216",
      "status": "rated",
      "blended_grade": "AA-",
      "blended_outlook": "Positive",
      "ratings": {
        "s_and_p": {
          "rating": "A\u002B",
          "outlook": "Positive",
          "as_of": "2026-10-22",
          "source_url": "https://www.hsbc.com/investors/fixed-income-investors/credit-ratings"
        },
        "moodys": {
          "rating": "A1",
          "outlook": "Positive",
          "as_of": "2026-10-22",
          "source_url": "https://www.hsbc.com/investors/fixed-income-investors/credit-ratings"
        },
        "fitch": {
          "rating": "AA",
          "outlook": "Stable",
          "as_of": "2026-10-22",
          "source_url": "https://www.hsbc.com/investors/fixed-income-investors/credit-ratings"
        }
      },
      "rating_last_changed": "2026-10-22",
      "trading_names": []
    },
    {
      "name": "HSBC UK Bank plc",
      "url": "https://bankcreditratings.co.uk/bank/hsbc-uk-bank-plc",
      "fca_frn": "765112",
      "status": "rated",
      "blended_grade": "AA-",
      "blended_outlook": "Positive",
      "ratings": {
        "s_and_p": {
          "rating": "A\u002B",
          "outlook": "Positive",
          "as_of": "2026-07-10",
          "source_url": "https://www.hsbc.com/investors/fixed-income-investors/credit-ratings"
        },
        "moodys": {
          "rating": "A1",
          "outlook": "Stable",
          "as_of": "2026-07-19",
          "source_url": "https://www.hsbc.com/investors/fixed-income-investors/credit-ratings"
        },
        "fitch": {
          "rating": "AA",
          "outlook": "Stable",
          "as_of": "2026-07-10",
          "source_url": "https://www.hsbc.com/investors/fixed-income-investors/credit-ratings"
        }
      },
      "rating_last_changed": "2026-07-10",
      "trading_names": [
        "first direct",
        "M\u0026S Bank",
        "HSBC Private Bank"
      ]
    },
    {
      "name": "Investec Bank plc",
      "url": "https://bankcreditratings.co.uk/bank/investec-bank-plc",
      "fca_frn": "172330",
      "status": "rated",
      "blended_grade": "A",
      "blended_outlook": "Stable",
      "ratings": {
        "s_and_p": null,
        "moodys": {
          "rating": "A1",
          "outlook": "Stable",
          "as_of": "2019-02-01",
          "source_url": "https://www.investec.com/content/dam/investor-relations/financial-information/year-end-results/2026/IBP-Credit-Ratings-fact-sheet-May-2026.pdf"
        },
        "fitch": {
          "rating": "A-",
          "outlook": null,
          "as_of": "2024-09-20",
          "source_url": "https://www.investec.com/content/dam/investor-relations/financial-information/year-end-results/2026/IBP-Credit-Ratings-fact-sheet-May-2026.pdf"
        }
      },
      "rating_last_changed": "2026-10-22",
      "trading_names": []
    },
    {
      "name": "Julian Hodge Bank Limited",
      "url": "https://bankcreditratings.co.uk/bank/julian-hodge-bank-limited",
      "fca_frn": "204439",
      "status": "not-rated",
      "blended_grade": null,
      "blended_outlook": null,
      "ratings": {
        "s_and_p": null,
        "moodys": null,
        "fitch": null
      },
      "rating_last_changed": null,
      "trading_names": []
    },
    {
      "name": "Kroo Bank Ltd",
      "url": "https://bankcreditratings.co.uk/bank/kroo-bank-ltd",
      "fca_frn": "953772",
      "status": "not-rated",
      "blended_grade": null,
      "blended_outlook": null,
      "ratings": {
        "s_and_p": null,
        "moodys": null,
        "fitch": null
      },
      "rating_last_changed": null,
      "trading_names": []
    },
    {
      "name": "Leeds Building Society",
      "url": "https://bankcreditratings.co.uk/bank/leeds-building-society",
      "fca_frn": "164992",
      "status": "rated",
      "blended_grade": "A-",
      "blended_outlook": "Stable",
      "ratings": {
        "s_and_p": null,
        "moodys": {
          "rating": "A3",
          "outlook": "Stable",
          "as_of": "2026-10-12",
          "source_url": "https://www.leedsbuildingsociety.co.uk/treasury/"
        },
        "fitch": {
          "rating": "A-",
          "outlook": "Stable",
          "as_of": "2026-10-12",
          "source_url": "https://www.leedsbuildingsociety.co.uk/treasury/"
        }
      },
      "rating_last_changed": "2026-10-12",
      "trading_names": []
    },
    {
      "name": "Lloyds Bank plc",
      "url": "https://bankcreditratings.co.uk/bank/lloyds-bank-plc",
      "fca_frn": "119278",
      "status": "rated",
      "blended_grade": "AA-",
      "blended_outlook": null,
      "ratings": {
        "s_and_p": {
          "rating": "A\u002B",
          "outlook": null,
          "as_of": "2026-07-19",
          "source_url": "https://www.lloydsbankinggroup.com/investors/fixed-income-investors/credit-ratings.html"
        },
        "moodys": {
          "rating": "A1",
          "outlook": null,
          "as_of": "2026-07-19",
          "source_url": "https://www.lloydsbankinggroup.com/investors/fixed-income-investors/credit-ratings.html"
        },
        "fitch": {
          "rating": "AA",
          "outlook": null,
          "as_of": "2026-07-19",
          "source_url": "https://www.lloydsbankinggroup.com/investors/fixed-income-investors/credit-ratings.html"
        }
      },
      "rating_last_changed": "2026-07-19",
      "trading_names": [
        "MBNA"
      ]
    },
    {
      "name": "Metro Bank PLC",
      "url": "https://bankcreditratings.co.uk/bank/metro-bank-plc",
      "fca_frn": "488982",
      "status": "rated",
      "blended_grade": "BB",
      "blended_outlook": "Positive",
      "ratings": {
        "s_and_p": null,
        "moodys": null,
        "fitch": {
          "rating": "BB",
          "outlook": "Positive",
          "as_of": "2026-08-15",
          "source_url": "https://www.metrobankonline.co.uk/investor-relations/credit-rating/"
        }
      },
      "rating_last_changed": "2026-08-15",
      "trading_names": []
    },
    {
      "name": "Monument Bank Limited",
      "url": "https://bankcreditratings.co.uk/bank/monument-bank-limited",
      "fca_frn": "849724",
      "status": "not-rated",
      "blended_grade": null,
      "blended_outlook": null,
      "ratings": {
        "s_and_p": null,
        "moodys": null,
        "fitch": null
      },
      "rating_last_changed": null,
      "trading_names": []
    },
    {
      "name": "Monzo Bank Ltd",
      "url": "https://bankcreditratings.co.uk/bank/monzo-bank-ltd",
      "fca_frn": "730427",
      "status": "not-rated",
      "blended_grade": null,
      "blended_outlook": null,
      "ratings": {
        "s_and_p": null,
        "moodys": null,
        "fitch": null
      },
      "rating_last_changed": null,
      "trading_names": []
    },
    {
      "name": "N26",
      "url": "https://bankcreditratings.co.uk/bank/n26",
      "fca_frn": null,
      "status": "unknown",
      "blended_grade": null,
      "blended_outlook": null,
      "ratings": {
        "s_and_p": null,
        "moodys": null,
        "fitch": null
      },
      "rating_last_changed": null,
      "trading_names": []
    },
    {
      "name": "Nationwide Building Society",
      "url": "https://bankcreditratings.co.uk/bank/nationwide-building-society",
      "fca_frn": "106078",
      "status": "rated",
      "blended_grade": "A\u002B",
      "blended_outlook": "Stable",
      "ratings": {
        "s_and_p": {
          "rating": "A\u002B",
          "outlook": "Stable",
          "as_of": "2026-07-19",
          "source_url": "https://www.nationwide.co.uk/investor-relations"
        },
        "moodys": {
          "rating": "A1",
          "outlook": "Stable",
          "as_of": "2026-07-10",
          "source_url": "https://www.nationwide.co.uk/investor-relations"
        },
        "fitch": {
          "rating": "AA-",
          "outlook": "Stable",
          "as_of": "2026-07-10",
          "source_url": "https://www.nationwide.co.uk/investor-relations"
        }
      },
      "rating_last_changed": "2026-07-10",
      "trading_names": [
        "Virgin Money",
        "Clydesdale Bank",
        "Yorkshire Bank",
        "Derbyshire Building Society",
        "Cheshire Building Society",
        "Dunfermline Building Society"
      ]
    },
    {
      "name": "NatWest",
      "url": "https://bankcreditratings.co.uk/bank/natwest",
      "fca_frn": "121878",
      "status": "rated",
      "blended_grade": "AA-",
      "blended_outlook": "Stable",
      "ratings": {
        "s_and_p": {
          "rating": "A\u002B",
          "outlook": "Stable",
          "as_of": "2026-07-10",
          "source_url": "https://investors.natwestgroup.com/fixed-income-investors/credit-ratings"
        },
        "moodys": {
          "rating": "A1",
          "outlook": "Stable",
          "as_of": "2026-07-19",
          "source_url": "https://investors.natwestgroup.com/fixed-income-investors/credit-ratings"
        },
        "fitch": {
          "rating": "AA",
          "outlook": "Stable",
          "as_of": "2026-07-19",
          "source_url": "https://investors.natwestgroup.com/fixed-income-investors/credit-ratings"
        }
      },
      "rating_last_changed": "2026-07-10",
      "trading_names": [
        "Ulster Bank",
        "Mettle"
      ]
    },
    {
      "name": "OakNorth Bank Plc",
      "url": "https://bankcreditratings.co.uk/bank/oaknorth-bank-plc",
      "fca_frn": "629564",
      "status": "not-rated",
      "blended_grade": null,
      "blended_outlook": null,
      "ratings": {
        "s_and_p": null,
        "moodys": null,
        "fitch": null
      },
      "rating_last_changed": null,
      "trading_names": []
    },
    {
      "name": "OneSavings Bank plc",
      "url": "https://bankcreditratings.co.uk/bank/onesavings-bank-plc",
      "fca_frn": "530504",
      "status": "rated",
      "blended_grade": "BBB\u002B",
      "blended_outlook": "Stable",
      "ratings": {
        "s_and_p": null,
        "moodys": {
          "rating": "Baa1",
          "outlook": "Stable",
          "as_of": "2026-06-19",
          "source_url": "https://www.osb.co.uk/investors/debt-investors/overview/"
        },
        "fitch": {
          "rating": "BBB",
          "outlook": "Stable",
          "as_of": "2026-08-05",
          "source_url": "https://www.osb.co.uk/investors/debt-investors/overview/"
        }
      },
      "rating_last_changed": "2026-10-24",
      "trading_names": [
        "Kent Reliance"
      ]
    },
    {
      "name": "Oxbury Bank PLC",
      "url": "https://bankcreditratings.co.uk/bank/oxbury-bank-plc",
      "fca_frn": "834822",
      "status": "not-rated",
      "blended_grade": null,
      "blended_outlook": null,
      "ratings": {
        "s_and_p": null,
        "moodys": null,
        "fitch": null
      },
      "rating_last_changed": null,
      "trading_names": []
    },
    {
      "name": "Paragon Bank Plc",
      "url": "https://bankcreditratings.co.uk/bank/paragon-bank-plc",
      "fca_frn": "604551",
      "status": "rated",
      "blended_grade": "BBB\u002B",
      "blended_outlook": null,
      "ratings": {
        "s_and_p": null,
        "moodys": {
          "rating": "Baa1",
          "outlook": null,
          "as_of": "2026-02-23",
          "source_url": "https://www.rns-pdf.londonstockexchange.com/rns/0413U_1-2026-2-23.pdf"
        },
        "fitch": {
          "rating": "BBB\u002B",
          "outlook": null,
          "as_of": "2026-02-23",
          "source_url": "https://www.rns-pdf.londonstockexchange.com/rns/0413U_1-2026-2-23.pdf"
        }
      },
      "rating_last_changed": "2026-10-24",
      "trading_names": []
    },
    {
      "name": "Principality Building Society",
      "url": "https://bankcreditratings.co.uk/bank/principality-building-society",
      "fca_frn": "155998",
      "status": "rated",
      "blended_grade": "BBB\u002B",
      "blended_outlook": "Stable",
      "ratings": {
        "s_and_p": null,
        "moodys": {
          "rating": "Baa1",
          "outlook": "Stable",
          "as_of": "2026-10-12",
          "source_url": "https://www.principality.co.uk/home/corporate-governance/investor-relations"
        },
        "fitch": {
          "rating": "BBB\u002B",
          "outlook": "Stable",
          "as_of": "2026-10-12",
          "source_url": "https://www.principality.co.uk/home/corporate-governance/investor-relations"
        }
      },
      "rating_last_changed": "2026-10-12",
      "trading_names": []
    },
    {
      "name": "RCI Bank UK Limited",
      "url": "https://bankcreditratings.co.uk/bank/rci-bank-uk-limited",
      "fca_frn": "815220",
      "status": "not-rated",
      "blended_grade": null,
      "blended_outlook": null,
      "ratings": {
        "s_and_p": null,
        "moodys": null,
        "fitch": null
      },
      "rating_last_changed": null,
      "trading_names": []
    },
    {
      "name": "Recognise Bank Limited",
      "url": "https://bankcreditratings.co.uk/bank/recognise-bank-limited",
      "fca_frn": "204409",
      "status": "not-rated",
      "blended_grade": null,
      "blended_outlook": null,
      "ratings": {
        "s_and_p": null,
        "moodys": null,
        "fitch": null
      },
      "rating_last_changed": null,
      "trading_names": []
    },
    {
      "name": "Reliance Bank Limited",
      "url": "https://bankcreditratings.co.uk/bank/reliance-bank-limited",
      "fca_frn": "204537",
      "status": "not-rated",
      "blended_grade": null,
      "blended_outlook": null,
      "ratings": {
        "s_and_p": null,
        "moodys": null,
        "fitch": null
      },
      "rating_last_changed": null,
      "trading_names": []
    },
    {
      "name": "Revolut Ltd",
      "url": "https://bankcreditratings.co.uk/bank/revolut-ltd",
      "fca_frn": "981170",
      "status": "rated-not-tracked",
      "blended_grade": null,
      "blended_outlook": null,
      "ratings": {
        "s_and_p": null,
        "moodys": null,
        "fitch": null
      },
      "rating_last_changed": null,
      "trading_names": []
    },
    {
      "name": "Royal Bank of Scotland",
      "url": "https://bankcreditratings.co.uk/bank/royal-bank-of-scotland",
      "fca_frn": "114724",
      "status": "rated",
      "blended_grade": "AA-",
      "blended_outlook": "Stable",
      "ratings": {
        "s_and_p": {
          "rating": "A\u002B",
          "outlook": "Stable",
          "as_of": "2026-07-10",
          "source_url": "https://investors.natwestgroup.com/fixed-income-investors/credit-ratings"
        },
        "moodys": {
          "rating": "A1",
          "outlook": "Stable",
          "as_of": "2026-07-10",
          "source_url": "https://investors.natwestgroup.com/fixed-income-investors/credit-ratings"
        },
        "fitch": {
          "rating": "AA",
          "outlook": "Stable",
          "as_of": "2026-07-10",
          "source_url": "https://investors.natwestgroup.com/fixed-income-investors/credit-ratings"
        }
      },
      "rating_last_changed": "2026-07-10",
      "trading_names": []
    },
    {
      "name": "Sainsbury\u0027s Bank Plc",
      "url": "https://bankcreditratings.co.uk/bank/sainsburys-bank-plc",
      "fca_frn": "184514",
      "status": "rated",
      "blended_grade": "AA-",
      "blended_outlook": "Stable",
      "ratings": {
        "s_and_p": {
          "rating": "A\u002B",
          "outlook": "Stable",
          "as_of": "2026-07-10",
          "source_url": "https://investors.natwestgroup.com/fixed-income-investors/credit-ratings"
        },
        "moodys": {
          "rating": "A1",
          "outlook": "Stable",
          "as_of": "2026-07-10",
          "source_url": "https://investors.natwestgroup.com/fixed-income-investors/credit-ratings"
        },
        "fitch": {
          "rating": "AA",
          "outlook": "Stable",
          "as_of": "2026-07-10",
          "source_url": "https://investors.natwestgroup.com/fixed-income-investors/credit-ratings"
        }
      },
      "rating_last_changed": "2026-07-10",
      "trading_names": []
    },
    {
      "name": "Santander UK plc",
      "url": "https://bankcreditratings.co.uk/bank/santander-uk-plc",
      "fca_frn": "106054",
      "status": "rated",
      "blended_grade": "A\u002B",
      "blended_outlook": "Stable",
      "ratings": {
        "s_and_p": {
          "rating": "A",
          "outlook": "Stable",
          "as_of": "2026-10-12",
          "source_url": "https://www.santander.co.uk/about-santander/investor-relations/credit-ratings"
        },
        "moodys": {
          "rating": "A1",
          "outlook": "Stable",
          "as_of": "2026-07-19",
          "source_url": "https://www.santander.co.uk/about-santander/investor-relations/credit-ratings"
        },
        "fitch": {
          "rating": "AA-",
          "outlook": "Stable",
          "as_of": "2026-07-10",
          "source_url": "https://www.santander.co.uk/about-santander/investor-relations/credit-ratings"
        }
      },
      "rating_last_changed": "2026-07-10",
      "trading_names": []
    },
    {
      "name": "Secure Trust Bank PLC",
      "url": "https://bankcreditratings.co.uk/bank/secure-trust-bank-plc",
      "fca_frn": "204550",
      "status": "not-rated",
      "blended_grade": null,
      "blended_outlook": null,
      "ratings": {
        "s_and_p": null,
        "moodys": null,
        "fitch": null
      },
      "rating_last_changed": null,
      "trading_names": []
    },
    {
      "name": "Shawbrook Bank Limited",
      "url": "https://bankcreditratings.co.uk/bank/shawbrook-bank-limited",
      "fca_frn": "204574",
      "status": "not-rated",
      "blended_grade": null,
      "blended_outlook": null,
      "ratings": {
        "s_and_p": null,
        "moodys": null,
        "fitch": null
      },
      "rating_last_changed": null,
      "trading_names": []
    },
    {
      "name": "Skipton Building Society",
      "url": "https://bankcreditratings.co.uk/bank/skipton-building-society",
      "fca_frn": "153706",
      "status": "rated",
      "blended_grade": "A",
      "blended_outlook": null,
      "ratings": {
        "s_and_p": null,
        "moodys": {
          "rating": "A2",
          "outlook": null,
          "as_of": "2026-10-12",
          "source_url": "https://www.skipton.co.uk/investor-relations"
        },
        "fitch": {
          "rating": "A",
          "outlook": null,
          "as_of": "2026-10-12",
          "source_url": "https://www.skipton.co.uk/investor-relations"
        }
      },
      "rating_last_changed": "2026-10-12",
      "trading_names": []
    },
    {
      "name": "Standard Chartered Bank",
      "url": "https://bankcreditratings.co.uk/bank/standard-chartered-bank",
      "fca_frn": "114276",
      "status": "rated",
      "blended_grade": "A\u002B",
      "blended_outlook": null,
      "ratings": {
        "s_and_p": {
          "rating": "A\u002B",
          "outlook": null,
          "as_of": "2026-07-19",
          "source_url": "https://www.sc.com/en/investors/credit-ratings-fixed-income/"
        },
        "moodys": {
          "rating": "A1",
          "outlook": null,
          "as_of": "2026-07-19",
          "source_url": "https://www.sc.com/en/investors/credit-ratings-fixed-income/"
        },
        "fitch": {
          "rating": "AA-",
          "outlook": null,
          "as_of": "2026-07-10",
          "source_url": "https://www.sc.com/en/investors/credit-ratings-fixed-income/"
        }
      },
      "rating_last_changed": "2026-07-10",
      "trading_names": []
    },
    {
      "name": "Starling Bank Limited",
      "url": "https://bankcreditratings.co.uk/bank/starling-bank-limited",
      "fca_frn": "730166",
      "status": "rated",
      "blended_grade": "BBB",
      "blended_outlook": "Stable",
      "ratings": {
        "s_and_p": null,
        "moodys": {
          "rating": "Baa2",
          "outlook": "Stable",
          "as_of": "2026-06-11",
          "source_url": "https://www.starlingbank.com/news/starling-prices-debut-bonds-on-strong-international-demand/"
        },
        "fitch": null
      },
      "rating_last_changed": "2026-10-24",
      "trading_names": []
    },
    {
      "name": "Tandem Bank Limited",
      "url": "https://bankcreditratings.co.uk/bank/tandem-bank-limited",
      "fca_frn": "204479",
      "status": "not-rated",
      "blended_grade": null,
      "blended_outlook": null,
      "ratings": {
        "s_and_p": null,
        "moodys": null,
        "fitch": null
      },
      "rating_last_changed": null,
      "trading_names": []
    },
    {
      "name": "Tesco Bank",
      "url": "https://bankcreditratings.co.uk/bank/tesco-bank",
      "fca_frn": "186022",
      "status": "rated",
      "blended_grade": "A\u002B",
      "blended_outlook": "Stable",
      "ratings": {
        "s_and_p": {
          "rating": "A\u002B",
          "outlook": "Stable",
          "as_of": "2026-07-10",
          "source_url": "https://home.barclays/investor-relations/fixed-income-investors/credit-ratings/"
        },
        "moodys": {
          "rating": "A1",
          "outlook": "Stable",
          "as_of": "2026-07-10",
          "source_url": "https://home.barclays/investor-relations/fixed-income-investors/credit-ratings/"
        },
        "fitch": {
          "rating": "AA-",
          "outlook": "Stable",
          "as_of": "2026-07-10",
          "source_url": "https://home.barclays/investor-relations/fixed-income-investors/credit-ratings/"
        }
      },
      "rating_last_changed": "2026-07-10",
      "trading_names": []
    },
    {
      "name": "The Charity Bank Limited",
      "url": "https://bankcreditratings.co.uk/bank/the-charity-bank-limited",
      "fca_frn": "207701",
      "status": "not-rated",
      "blended_grade": null,
      "blended_outlook": null,
      "ratings": {
        "s_and_p": null,
        "moodys": null,
        "fitch": null
      },
      "rating_last_changed": null,
      "trading_names": []
    },
    {
      "name": "Triodos Bank UK",
      "url": "https://bankcreditratings.co.uk/bank/triodos-bank-uk",
      "fca_frn": "817008",
      "status": "rated",
      "blended_grade": "BBB",
      "blended_outlook": null,
      "ratings": {
        "s_and_p": null,
        "moodys": null,
        "fitch": {
          "rating": "BBB",
          "outlook": null,
          "as_of": "2026-07-10",
          "source_url": "https://www.triodos.com/en/investor-relations/debt-investors/credit-ratings"
        }
      },
      "rating_last_changed": "2026-07-10",
      "trading_names": []
    },
    {
      "name": "TSB Bank plc",
      "url": "https://bankcreditratings.co.uk/bank/tsb-bank-plc",
      "fca_frn": "191240",
      "status": "rated",
      "blended_grade": "A\u002B",
      "blended_outlook": "Stable",
      "ratings": {
        "s_and_p": null,
        "moodys": {
          "rating": "A1",
          "outlook": "Stable",
          "as_of": "2026-10-15",
          "source_url": "https://www.tsb.co.uk/investors/debt-investors/credit-rating.html"
        },
        "fitch": null
      },
      "rating_last_changed": "2026-10-15",
      "trading_names": []
    },
    {
      "name": "United Trust Bank Limited",
      "url": "https://bankcreditratings.co.uk/bank/united-trust-bank-limited",
      "fca_frn": "204463",
      "status": "not-rated",
      "blended_grade": null,
      "blended_outlook": null,
      "ratings": {
        "s_and_p": null,
        "moodys": null,
        "fitch": null
      },
      "rating_last_changed": null,
      "trading_names": []
    },
    {
      "name": "Unity Trust Bank plc",
      "url": "https://bankcreditratings.co.uk/bank/unity-trust-bank-plc",
      "fca_frn": "204570",
      "status": "rated",
      "blended_grade": "BBB-",
      "blended_outlook": null,
      "ratings": {
        "s_and_p": null,
        "moodys": null,
        "fitch": {
          "rating": "BBB-",
          "outlook": null,
          "as_of": "2025-07-14",
          "source_url": "https://www.unity.co.uk/about-us/investor-relations/credit-rating/"
        }
      },
      "rating_last_changed": "2026-10-24",
      "trading_names": []
    },
    {
      "name": "Vanquis Bank Limited",
      "url": "https://bankcreditratings.co.uk/bank/vanquis-bank-limited",
      "fca_frn": "221156",
      "status": "rated",
      "blended_grade": "BB-",
      "blended_outlook": "Positive",
      "ratings": {
        "s_and_p": null,
        "moodys": null,
        "fitch": {
          "rating": "BB-",
          "outlook": "Positive",
          "as_of": "2026-07-10",
          "source_url": "https://www.vanquis.com/investors/debt-investors/"
        }
      },
      "rating_last_changed": "2026-07-10",
      "trading_names": []
    },
    {
      "name": "Weatherbys Bank Limited",
      "url": "https://bankcreditratings.co.uk/bank/weatherbys-bank-limited",
      "fca_frn": "204571",
      "status": "not-rated",
      "blended_grade": null,
      "blended_outlook": null,
      "ratings": {
        "s_and_p": null,
        "moodys": null,
        "fitch": null
      },
      "rating_last_changed": null,
      "trading_names": []
    },
    {
      "name": "Yorkshire Building Society",
      "url": "https://bankcreditratings.co.uk/bank/yorkshire-building-society",
      "fca_frn": "106085",
      "status": "rated",
      "blended_grade": "A",
      "blended_outlook": "Stable",
      "ratings": {
        "s_and_p": null,
        "moodys": {
          "rating": "A2",
          "outlook": "Stable",
          "as_of": "2026-10-12",
          "source_url": "https://www.ybs.co.uk/your-society/treasury"
        },
        "fitch": {
          "rating": "A",
          "outlook": "Stable",
          "as_of": "2026-10-12",
          "source_url": "https://www.ybs.co.uk/your-society/treasury"
        }
      },
      "rating_last_changed": "2026-10-12",
      "trading_names": [
        "Chelsea Building Society",
        "Norwich \u0026 Peterborough"
      ]
    },
    {
      "name": "Zopa Bank Limited",
      "url": "https://bankcreditratings.co.uk/bank/zopa-bank-limited",
      "fca_frn": "800542",
      "status": "not-rated",
      "blended_grade": null,
      "blended_outlook": null,
      "ratings": {
        "s_and_p": null,
        "moodys": null,
        "fitch": null
      },
      "rating_last_changed": null,
      "trading_names": []
    }
  ]
}