I thought hornets were bigger as most I've seen around the Mediterranean and in other parts of Europe are, but I don't think it's either a bee or a wasp. It has a fuzzy abdomen which I usually associate with bees, but all the other features were very wasp-like.
Ive googled obviously but none of the photos I've found look quite right. Presume I've missed the bleeding obvious - can anyone identify it positively for me?