Where to do your banking if your local bank shuts down

Since 2015, thousands of bank branches have shut down across the UK. Over 600 closed in 2023 alone – and more are set to follow.

The Financial Times analysed data from ATM provider Link and found that nearly three fifths of banks disappeared in almost a decade.

So what do you do if your local bank has closed down? Find out where you can withdraw cash, deposit cheques, manage your payments and get face-to-face advice from someone from your bank.

The Post Office

Customers of nearly all banks, including Barclays, Halifax, HSBC, Lloyds, NatWest and Santander, can go to any of the Post Office’s 11,500 branches to:

withdraw or deposit cash
deposit a cheque
check their balance

Go to the Post Office website and select your bank from the dropdown list to see what options are available to you.

Banking hubs

This is an initiative set up to fill the gap left by the widespread closure of local banks across the UK.

Under the scheme, several banks all operate from the same building. You can go there to speak to someone from your bank and manage payments like Direct Debits.

You can also withdraw and deposit cash from a banking hub, regardless of who you bank with.

Banking hubs work on a rota basis. This means staff from different banks will be there on different days.

The banks currently taking part in the banking hub scheme are:

Bank of Ireland UK
Barclays
Danske Bank
HSBC
Lloyds
Nationwide Building Society
NatWest
Santander
TSB
Virgin Money

Banking hubs are being opened across the UK all the time, so check to see if there's one near you.

Mobile and pop-up banks

Many of the big players - including Barclays, Halifax, HSBC, Lloyds, NatWest, RBS and TSB - also offer mobile or pop-up banks. These are typically there to give face-to-face advice and don’t usually offer cash or counter services.

To find out more, go to your bank’s website.

Cash machines (ATMs)

If you just want to withdraw cash, the easiest option is probably a free ATM.

Use Link’s free cash locator to find the one nearest to you.

Your local shop

Over 1,000 local shops offer a cashback without purchase scheme. You can withdraw anything from 1p to £50 without buying anything. Most shops don’t charge a fee but they can, so check first.

To find your nearest shop offering this service, use Link’s free cash locator.