This week, three major banks have announced the closure of an additional ten bank branches, impacting customers significantly.

Halifax is set to shut down five branches, NatWest will close four, and Lloyds will cease operations at one location. The decision comes as high street banks observe a decline in branch footfall, attributing the shift to the increasing preference for online banking services.

However, concerns have been raised by charities over the potential exclusion of vulnerable individuals from essential banking services. According to data from Which?, a total of 6,561 branches have been closed since January 2015, averaging at 53 closures per month.

Which? reports that 432 more closures are scheduled for 2025, with NatWest planning 105 closures, Halifax 101, Santander 95, Lloyds 93, Bank of Scotland 24, TSB 8, and Barclays 6.

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In 2026, a total of 71 bank branches are slated for closure, including 40 from Lloyds, 17 from Bank of Scotland, and 14 from Halifax.

For customers affected by branch closures, basic cash and counter services can be availed at the nearest Post Office, such as cash deposits, withdrawals, and balance inquiries.

Some banks now offer mobile branches or vans, but availability varies, necessitating customers to check online for schedules in their area.

A spokesperson from NatWest emphasized the growing preference for digital services among customers, highlighting that a significant majority now utilize online and mobile banking for routine transactions while valuing personalized interactions for more complex financial decisions.

Similarly, a representative from Lloyds Banking Group, the parent company of Halifax, noted the extensive use of mobile apps for instant access to finances, complemented by alternative banking options like telephone services, community bankers, and access to multiple branch networks.

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