BANK IN CRISIS: HIGH STREET BRANCHES PREDICTED TO BE WIPED OUT BY SUMMER 2032 – IT’S TIME TO SAFEGUARD ACCESS TO CASH

Updated: 22 September 2020

Detailed analysis of the latest bank branch data has revealed the bleak future of cash within society.

Unless we act now, the UK will be waving goodbye to the existence of banks in just less than 12 years.

While online banking has been embraced by many, 50 million people still rely on access to cash.

Our latest study investigates the areas most affected by bank closures and highlights the need for viable alternatives to high street banks.

While we accept the banking industry must continue to evolve and innovate, our research reinforces the need to protect access to cash at all costs. It’s time for the government to act before it’s too late.

Bank in Crisis Infographic

The banking landscape in the UK

Last year, Wentworth and Dearne in Yorkshire became the first constituency to lose all of its banks, however, our study reveals several more places in the UK are being abandoned by the banks – a trend that shows no sign of stopping.

In fact, analysis of the latest bank branch data published by Which? reveals high street banks in the UK will be completely wiped by April 2032 should they continue to close at the current rate.

Since 2015, each constituency in the UK has lost an average of a third of its branches.

With an average of 55 closures each month for the past five years, we’ve looked into the constituencies worst hit by the bank closures.

The 12 areas in the UK with the fewest banks per capita

Rank Constituency People per branch
1 Wentworth and Dearne No bank branches
2 Bradford South 106,000
3 Derby North 103,000
4 Chatham and Aylesford 102,000
5 Central Suffolk and North Ipswich 102,000
6 Don Valley 101,000
7 Stoke-on-Trent North 100,000
8 St Helens North 99,000
9 Brighton Kemptown 97,000
10 Liverpool West Derby 93,000
11 Sheffield Hallam 92,000
12  Erith and Thamesmead 61,000

With just one bank in the entire constituency, a solitary branch in Bradford South serves just less than 106,000 people while in Derby North and Chatham and Aylesford a single bank serves 102,509 and 102,240 people respectively. Only residents in Wentworth and Dearne have worse access to a bank than these three constituencies.

In contrast, residents in Na h-Eileanan an Iar, Scotland, have the best access to bank branches with 108 branches serving a population of 26,830. That equates to just 248 people per bank. Those living in Ross, Skye and Lochaber and Argyll and Bute also have banks in plentiful supply with 219 and 119 branches respectively.

Cities of London and Westminster is the English constituency with the best supply of banks in relation to its population. Just less than 130,000 people are served by 112 banks which works out at 1,160 people per bank.

The demand for high street banks

Despite access to banks becoming all the more restricted, our survey has revealed 19 per cent of people still visit a branch once a week or more while 29 percent of Brits said they visited a bank once a month. Just 6 per cent of people said they don’t go to a bank.

How often visit British People a bank in person diagram

Why do people visit the bank?

With more than a third of people visiting the bank as regularly as they did five years ago, what are the services most frequently used?

The most common reason for people visiting a bank is to pay-in cheques, followed by withdrawing cash and seeking financial advice. 20 per cent of people said they went to a branch to pay their bills.

Reasons for visiting a Bank

A B C D E
1
Constituency
Branches Left
% network lost since Jan 2015
Population
People per branch
2
Wentworth and Dearne 0 100% 99,150 No branches
3
Bradford South 1 75% 105,865 105865
4
Derby North 1 80% 102,509 102509
5
Chatham and Aylesford 1 80% 102,240 102240
6
Central Suffolk and North Ipswich 1 50% 101,907 101907
7
Don Valley 1 88% 100,577 100577
8
Stoke-on-Trent North 1 86% 99,615 99615
9
St Helens North 1 67% 99,320 99320
10
Brighton, Kemptown 1 86% 96,557 96557
11
Liverpool, West Derby 1 50% 93,177 93177
12
Sheffield, Hallam 1 75% 92,196 92196
13
Erith and Thamesmead 2 50% 121,867 60934
14
Manchester, Gorton 2 71% 119,184 59592
15
South Cambridgeshire 2 50% 116,766 58383
16
North Swindon 2 60% 112,981 56491
17
Oldham East and Saddleworth 2 75% 106,874 53437
18
Sherwood 2 67% 101,361 50681
19
Hemsworth 2 67% 99,246 49623
20
Barnsley East 2 60% 95,016 47508
21
Leeds West 2 50% 94,444 47222
22
North East Derbyshire 2 75% 91,877 45939
23
Penistone and Stocksbridge 2 75% 89,545 44773
24
North West Cambridgeshire 3 57% 134,261 44754
25
Houghton and Sunderland South 2 33% 87,921 43961
26
Jarrow 2 33% 83,483 41742
27
Newport East 2 67% 81,901 40951
28
Bradford East 3 63% 119,261 39754
29
Coventry North West 3 40% 113,468 37823
30
Mid Bedfordshire 3 40% 112,185 37395
31
Colne Valley 3 50% 111,919 37306
32
Birmingham, Selly Oak 3 57% 110,024 36675
33
Mitcham and Morden 3 50% 106,412 35471
34
Wirral West 2 75% 69,634 34817
35
Newcastle upon Tyne East 3 57% 102,715 34238
36
South Basildon and East Thurrock 3 40% 101,390 33797
37
Bristol East 3 63% 101,133 33711
38
Luton North 3 40% 100,602 33534
39
Makerfield 3 57% 100,449 33483
40
Walsall North 3 50% 100,050 33350
41
South Staffordshire 3 63% 97,406 32469
42
Warrington North 3 40% 96,930 32310
43
York Outer 3 57% 96,741 32247
44
Wolverhampton South East 3 40% 94,358 31453
45
Plymouth, Moor View 3 40% 93,697 31232
46
Blackley and Broughton 4 50% 122,538 30635
47
South Northamptonshire 4 50% 118,875 29719
48
North East Bedfordshire 4 50% 116,917 29229
49
Denton and Reddish 3 57% 86,935 28978
50
Glasgow North East 3 63% 86,655 28885
51
Sheffield, Brightside and Hillsborough 4 50% 112,812 28203
52
Sedgefield 3 63% 84,523 28174
53
Dagenham and Rainham 4 43% 112,410 28103
54
Nottingham East 4 43% 110,461 27615
55
Harrow East 4 67% 108,539 27135
56
Westminster North 5 67% 134,137 26827
57
Stockton South 4 50% 104,381 26095
58
Reading West 4 60% 104,145 26036
59
Birmingham, Hodge Hill 5 17% 129,538 25908
60
Bolsover 4 33% 99,175 24794
61
Kingston upon Hull North 4 43% 98,400 24600
62
Ealing North 5 50% 120,493 24099
63
Bolton West 4 69% 95,976 23994
64
Belfast East 4 60% 95,752 23938
65
Sheffield, Heeley 4 43% 95,132 23783
66
Tottenham 6 25% 142,008 23668
67
Middlesbrough South and East Cleveland 4 50% 93,890 23473
68
Cardiff South and Penarth 5 55% 116,462 23292
69
Lewisham West and Penge 5 50% 115,741 23148
70
Romsey and Southampton North 4 33% 91,558 22890
71
Hackney South and Shoreditch 6 14% 136,783 22797
72
Haltemprice and Howden 4 67% 89,782 22446
73
Batley and Spen 5 69% 111,704 22341
74
Leicester West 5 44% 109,214 21843
75
Heywood and Middleton 5 62% 107,269 21454
76
Edinburgh East 5 72% 107,182 21436
77
South Leicestershire 5 55% 106,924 21385
78
Bristol North West 5 50% 106,446 21289
79
Mid Derbyshire 4 64% 84,333 21083
80
South Derbyshire 5 17% 104,493 20899
81
Swansea East 4 33% 83,534 20884
82
Charnwood 5 55% 103,006 20601
83
East Worthing and Shoreham 5 67% 101,876 20375
84
Bury South 5 55% 100,300 20060
85
Hazel Grove 4 64% 80,218 20055
86
Falkirk 8 47% 160,340 20043
87
Garston and Halewood 5 44% 99,596 19919
88
Doncaster North 5 29% 99,232 19846
89
Sleaford and North Hykeham 6 33% 118,604 19767
90
Rother Valley 5 55% 97,018 19404
91
Dulwich and West Norwood 6 45% 116,392 19399
92
West Bromwich West 5 38% 96,226 19245
93
Bristol South 6 50% 113,670 18945
94
Stalybridge and Hyde 5 58% 94,678 18936
95
Meriden 6 54% 112,560 18760
96
Birmingham, Perry Barr 6 33% 112,444 18741
97
Brent Central 8 38% 149,140 18643
98
Southend West 5 50% 92,792 18558
99
Lewisham East 6 0% 110,912 18485
100
Liverpool, Walton 5 38% 92,084 18417
101
Forest of Dean 5 44% 90,903 18181
102
Eddisbury 5 29% 90,854 18171
103
East Antrim 5 29% 90,296 18059
104
Stoke-on-Trent South 5 38% 89,881 17976
105
Norwich North 5 17% 89,565 17913
106
Hackney North and Stoke Newington 8 50% 142,882 17860
107
Knowsley 6 33% 106,630 17772
108
Buckingham 6 40% 106,292 17715
109
Glasgow North West 5 44% 87,964 17593
110
Barking 8 27% 140,733 17592
111
North Tyneside 6 45% 105,447 17575
112
Rhondda 4 67% 69,537 17384
113
South East Cambridgeshire 7 46% 121,054 17293
114
Worsley and Eccles South 6 25% 103,706 17284
115
Filton and Bradley Stoke 6 45% 103,575 17263
116
Leeds North West 5 71% 86,170 17234
117
Edmonton 7 13% 120,343 17192
118
Selby and Ainsty 6 54% 102,725 17121
119
Feltham and Heston 8 33% 134,948 16869
120
Daventry 6 14% 101,156 16859
121
Islington North 7 13% 117,709 16816
122
Poplar and Limehouse 10 29% 167,368 16737
123
Ribble Valley 6 54% 100,348 16725
124
Nottingham North 6 25% 100,242 16707
125
Rushcliffe 6 33% 100,046 16674
126
South Ribble 6 54% 99,551 16592
127
Bolton North East 6 40% 98,389 16398
128
East Ham 10 9% 163,730 16373
129
Lichfield 6 40% 96,439 16073
130
Shipley 6 50% 95,797 15966
131
Coventry North East 8 33% 127,405 15926
132
North Wiltshire 6 50% 94,944 15824
133
Leyton and Wanstead 7 36% 110,744 15821
134
Glasgow East 6 25% 94,547 15758
135
North West Durham 6 40% 94,481 15747
136
Enfield North 7 36% 110,213 15745
137
North Warwickshire 6 57% 93,332 15555
138
Streatham 8 11% 124,358 15545
139
Aldridge-Brownhills 5 17% 77,476 15495
140
Newcastle upon Tyne North 6 0% 92,848 15475
141
Leeds North East 6 40% 92,566 15428
142
Paisley and Renfrewshire North 6 57% 92,525 15421
143
Witham 6 25% 92,372 15395
144
Corby 8 27% 123,010 15376
145
Ashfield 7 53% 107,100 15300
146
Wolverhampton North East 6 25% 91,732 15289
147
Maidenhead 7 36% 106,731 15247
148
Hemel Hempstead 7 36% 106,711 15244
149
Gravesham 7 13% 106,385 15198
150
Leigh 7 46% 105,408 15058
151
Wallasey 6 33% 90,194 15032
152
Birmingham, Hall Green 8 33% 120,133 15017
153
Calder Valley 7 59% 104,849 14978
154
Mid Ulster 7 46% 104,258 14894
155
Walthamstow 8 11% 118,891 14861
156
Birmingham, Northfield 7 36% 103,918 14845
157
Chorley 7 36% 103,800 14829
158
South Antrim 7 46% 103,550 14793
159
Croydon South 8 50% 117,598 14700
160
Glasgow South West 6 40% 87,784 14631
161
Croydon North 10 33% 146,238 14624
162
Leicester East 8 27% 116,608 14576
163
Kettering 7 30% 101,266 14467
164
Leeds East 7 30% 101,144 14449
165
Coatbridge, Chryston and Bellshill 5 50% 72,162 14432
166
Tynemouth 7 22% 100,538 14363
167
Basingstoke 8 43% 114,883 14360
168
Alyn and Deeside 6 57% 85,746 14291
169
Dewsbury 8 20% 114,113 14264
170
Gosport 7 30% 99,604 14229
171
Saffron Walden 8 27% 113,603 14200
172
Warley 7 36% 98,834 14119
173
Richmond Park 9 40% 126,904 14100
174
East Renfrewshire 8 53% 112,769 14096
175
Ealing, Southall 7 36% 98,504 14072
176
Rossendale and Darwen 7 50% 98,387 14055
177
Lewisham, Deptford 9 18% 126,489 14054
178
Broxtowe 7 22% 98,046 14007
179
Halton 7 30% 98,031 14004
180
Gateshead 7 50% 97,516 13931
181
Wokingham 8 27% 111,426 13928
182
Blackpool North and Cleveleys 6 54% 83,162 13860
183
Epsom and Ewell 8 27% 110,540 13818
184
Easington 6 40% 82,633 13772
185
Harwich and North Essex 7 50% 96,401 13772
186
The Wrekin 7 59% 96,325 13761
187
Vauxhall 9 25% 123,808 13756
188
Surrey Heath 8 38% 109,011 13626
189
Mansfield 8 43% 108,841 13605
190
Milton Keynes South 10 29% 135,909 13591
191
Eltham 7 0% 94,925 13561
192
Wythenshawe and Sale East 8 27% 108,227 13528
193
Oldham West and Royton 8 43% 108,193 13524
194
Woking 8 50% 108,034 13504
195
West Ham 14 22% 188,275 13448
196
Cardiff West 7 30% 93,481 13354
197
Tonbridge and Malling 8 33% 106,769 13346
198
Greenwich and Woolwich 10 17% 132,604 13260
199
Hyndburn 7 53% 92,808 13258
200
Ilford South 11 31% 145,537 13231
201
Chipping Barnet 9 25% 118,779 13198
202
Twickenham 9 47% 118,178 13131
203
Staffordshire Moorlands 6 33% 78,744 13124
204
Pendle 7 56% 91,405 13058
205
Edinburgh South 7 53% 91,318 13045
206
Thurrock 10 23% 129,896 12990
207
Hove 8 38% 103,793 12974
208
Rutherglen and Hamilton West 6 54% 77,568 12928
209
Castle Point 7 46% 90,070 12867
210
Kingston upon Hull East 7 22% 90,062 12866
211
Hayes and Harlington 10 23% 127,412 12741
212
Altrincham and Sale West 8 56% 101,861 12733
213
North East Hampshire 8 38% 101,362 12670
214
Glasgow South 7 42% 88,624 12661
215
Stretford and Urmston 8 50% 101,246 12656
216
Carshalton and Wallington 6 14% 75,928 12655
217
Braintree 8 20% 100,884 12611
218
Birmingham, Yardley 9 36% 113,280 12587
219
Edinburgh West 8 53% 100,471 12559
220
Washington and Sunderland West 7 13% 87,801 12543
221
Rochdale 9 18% 112,732 12526
222
Southampton, Test 9 53% 112,676 12520
223
Elmet and Rothwell 8 20% 100,122 12515
224
Redcar 7 36% 87,448 12493
225
Portsmouth North 8 43% 99,704 12463
226
Bootle 8 38% 99,639 12455
227
Airdrie and Shotts 7 30% 86,736 12391
228
Aylesbury 10 38% 123,732 12373
229
South West Hertfordshire 9 50% 110,640 12293
230
Stone 7 50% 86,018 12288
231
Ilford North 9 10% 110,544 12283
232
Stevenage 8 27% 98,203 12275
233
Fylde 7 65% 85,748 12250
234
West Lancashire 8 38% 97,655 12207
235
Bermondsey and Old Southwark 12 33% 146,406 12201
236
South Norfolk 9 25% 109,795 12199
237
Tooting 9 0% 109,595 12177
238
Harlow 8 11% 97,148 12144
239
Loughborough 9 18% 109,106 12123
240
Brentwood and Ongar 8 43% 96,515 12064
241
Kenilworth and Southam 7 30% 84,290 12041
242
Salford and Eccles 10 55% 119,854 11985
243
Shrewsbury and Atcham 9 40% 107,635 11959
244
Linlithgow and East Falkirk 8 53% 95,663 11958
245
Tamworth 8 20% 95,529 11941
246
Taunton Deane 10 38% 118,979 11898
247
Bournemouth East 9 36% 107,023 11891
248
Bradford West 10 33% 118,764 11876
249
Cleethorpes 8 47% 94,385 11798
250
Edinburgh South West 9 47% 106,047 11783
251
Midlothian 14 26% 164,876 11777
252
West Bromwich East 8 0% 93,802 11725
253
New Forest East 8 47% 93,614 11702
254
Newark 9 44% 104,876 11653
255
Blaenau Gwent 6 54% 69,713 11619
256
Bethnal Green and Bow 13 13% 150,337 11564
257
Southport 8 47% 92,356 11545
258
Rotherham 8 11% 91,889 11486
259
Maldon 8 33% 91,873 11484
260
Rugby 9 18% 103,354 11484
261
Kingswood 8 38% 91,691 11461
262
North Somerset 9 47% 102,194 11355
263
North West Leicestershire 9 31% 102,126 11347
264
Redditch 8 0% 90,730 11341
265
Worcester 9 18% 101,891 11321
266
Cardiff North 8 38% 90,220 11278
267
Wyre and Preston North 8 56% 90,213 11277
268
Lincoln 10 41% 112,662 11266
269
Warrington South 10 47% 112,617 11262
270
Crawley 10 33% 112,448 11245
271
Wyre Forest 9 36% 101,062 11229
272
Bury North 8 38% 89,808 11226
273
Glasgow North 7 46% 78,488 11213
274
Bracknell 10 23% 111,993 11199
275
North East Hertfordshire 9 36% 100,791 11199
276
Old Bexley and Sidcup 8 47% 89,474 11184
277
Morecambe and Lunesdale 8 33% 89,470 11184
278
Weston-Super-Mare 10 33% 111,725 11173
279
Ogmore 7 30% 78,042 11149
280
Wycombe 10 29% 111,309 11131
281
East Surrey 9 44% 99,771 11086
282
Faversham and Mid Kent 9 36% 99,649 11072
283
Burnley 8 43% 88,527 11066
284
Great Yarmouth 9 25% 99,370 11041
285
Eastbourne 10 33% 110,311 11031
286
Camberwell and Peckham 12 8% 132,209 11017
287
Morley and Outwood 9 0% 99,113 11013
288
West Suffolk 11 31% 120,899 10991
289
Stafford 9 36% 98,827 10981
290
Bromsgrove 9 18% 98,662 10962
291
Blackburn 10 23% 109,457 10946
292
Ellesmere Port and Neston 8 38% 87,522 10940
293
Luton South 11 27% 119,912 10901
294
North West Hampshire 10 17% 108,687 10869
295
Tewkesbury 10 33% 108,340 10834
296
Telford 9 25% 97,503 10834
297
Salisbury 9 40% 96,983 10776
298
Bognor Regis and Littlehampton 10 23% 107,223 10722
299
Bedford 10 29% 106,761 10676
300
Havant 9 40% 96,061 10673
301
Congleton 9 47% 96,042 10671
302
Chesham and Amersham 9 47% 95,927 10659
303
Middlesbrough 9 44% 95,925 10658
304
Bolton South East 10 33% 106,388 10639
305
South Suffolk 9 25% 95,518 10613
306
Gedling 9 31% 95,359 10595
307
Hampstead and Kilburn 14 26% 148,267 10591
308
Walsall South 10 23% 105,852 10585
309
Romford 10 38% 105,630 10563
310
Bosworth 10 17% 105,602 10560
311
Blyth Valley 8 27% 84,340 10543
312
North East Somerset 9 44% 94,879 10542
313
Chingford and Woodford Green 9 50% 94,842 10538
314
Belfast West 9 25% 94,647 10516
315
Bexleyheath and Crayford 9 10% 94,574 10508
316
Sutton Coldfield 9 40% 94,395 10488
317
Wigan 10 41% 104,850 10485
318
Nuneaton 9 25% 94,330 10481
319
Rutland and Melton 10 23% 104,698 10470
320
Belfast North 10 29% 104,457 10446
321
Plymouth, Sutton and Devonport 11 35% 114,622 10420
322
South Dorset 9 31% 93,732 10415
323
Esher and Walton 11 35% 114,517 10411
324
Birmingham, Erdington 10 23% 104,071 10407
325
Macclesfield 9 44% 93,375 10375
326
Hartlepool 9 0% 93,242 10360
327
Harrogate and Knaresborough 10 47% 103,510 10351
328
Foyle 10 17% 103,296 10330
329
St Albans 10 33% 103,181 10318
330
South Down 11 27% 113,476 10316
331
Devizes 10 33% 103,097 10310
332
Gillingham and Rainham 10 23% 102,890 10289
333
High Peak 9 57% 92,221 10247
334
Scunthorpe 9 18% 92,198 10244
335
North Antrim 11 15% 112,431 10221
336
Slough 14 26% 142,556 10183
337
Amber Valley 9 40% 90,620 10069
338
Beverley and Holderness 10 33% 100,605 10061
339
Stourbridge 9 18% 90,444 10049
340
Wantage 12 43% 120,402 10034
341
Birkenhead 9 31% 90,212 10024
342
Cannock Chase 10 33% 100,109 10011
343
North East Cambridgeshire 12 40% 119,770 9981
344
Wimbledon 10 44% 99,774 9977
345
Henley 10 33% 99,597 9960
346
Sittingbourne and Sheppey 12 8% 119,331 9944
347
Bishop Auckland 9 40% 89,415 9935
348
Spelthorne 10 29% 99,334 9933
349
Newport West 9 18% 89,235 9915
350
Great Grimsby 9 44% 88,565 9841
351
Aberavon 7 13% 68,649 9807
352
North Durham 9 36% 88,088 9788
353
Blaydon 9 36% 87,978 9775
354
Sevenoaks 10 29% 97,596 9760
355
Gainsborough 10 33% 97,423 9742
356
Erewash 10 23% 97,354 9735
357
South West Surrey 11 45% 106,770 9706
358
Windsor 11 21% 106,412 9674
359
Bexhill and Battle 11 42% 106,127 9648
360
Rochford and Southend East 11 39% 105,895 9627
361
Halifax 11 27% 105,233 9567
362
Ashford 13 32% 123,871 9529
363
Meon Valley 10 17% 95,119 9512
364
Ipswich 12 40% 113,666 9472
365
Horsham 12 33% 113,486 9457
366
Watford 13 38% 122,561 9428
367
Cheadle 10 41% 93,826 9383
368
Croydon Central 13 28% 121,510 9347
369
Newbury 12 37% 112,045 9337
370
City of Durham 11 31% 102,534 9321
371
Hastings and Rye 12 40% 111,806 9317
372
South Shields 9 25% 83,796 9311
373
Uxbridge and South Ruislip 12 20% 111,453 9288
374
Chelmsford 12 25% 111,377 9281
375
Livingston 12 14% 111,369 9281
376
Sefton Central 9 40% 83,401 9267
377
Warwick and Leamington 11 42% 101,894 9263
378
Ashton-under-Lyne 10 33% 92,602 9260
379
Hornchurch and Upminster 12 33% 111,035 9253
380
Crewe and Nantwich 12 25% 110,828 9236
381
Orpington 10 38% 92,348 9235
382
Canterbury 13 24% 120,042 9234
383
South Thanet 11 48% 101,569 9234
384
Wansbeck 9 18% 82,768 9196
385
Cumbernauld, Kilsyth and Kirkintilloch East
7 22% 64,322 9189
386
Darlington 10 17% 91,872 9187
387
Witney 12 40% 109,800 9150
388
Epping Forest 11 35% 100,618 9147
389
Barnsley Central 10 17% 91,272 9127
390
South West Norfolk 12 37% 109,360 9113
391
Lagan Valley 12 20% 109,173 9098
392
Louth and Horncastle 11 45% 100,022 9093
393
Folkestone and Hythe 13 41% 117,988 9076
394
Clwyd South 8 33% 72,523 9065
395
North Herefordshire 10 44% 90,435 9044
396
Welwyn Hatfield 13 19% 117,380 9029
397
Clacton 10 23% 90,266 9027
398
Liverpool, Riverside 15 38% 135,228 9015
399
Manchester, Withington 11 35% 99,133 9012
400
Poole 11 54% 98,839 8985
401
Burton 12 37% 107,249 8937
402
North West Norfolk 11 31% 97,885 8899
403
Brigg and Goole 10 33% 88,904 8890
404
Portsmouth South 13 24% 115,429 8879
405
Colchester 14 26% 123,794 8842
406
Birmingham, Edgbaston 12 14% 105,856 8821
407
Hendon 16 33% 141,138 8821
408
Glenrothes 10 17% 87,931 8793
409
Northampton North 10 41% 87,890 8789
410
Wellingborough 13 13% 113,822 8756
411
Christchurch 10 33% 86,987 8699
412
Barrow and Furness 10 38% 86,728 8673
413
Stoke-on-Trent Central 10 38% 86,669 8667
414
Newcastle-under-Lyme 11 15% 94,566 8597
415
St Helens South and Whiston 12 25% 103,046 8587
416
Manchester Central 19 51% 162,656 8561
417
Dudley North 10 23% 85,362 8536
418
Paisley and Renfrewshire South 10 23% 85,265 8527
419
Doncaster Central 13 28% 110,733 8518
420
East Yorkshire 13 32% 110,693 8515
421
Islwyn 9 25% 76,614 8513
422
Fareham 12 25% 102,018 8502
423
Motherwell and Wishaw 9 10% 76,394 8488
424
Rayleigh and Wickford 12 20% 101,666 8472
425
Runnymede and Weybridge 13 32% 110,109 8470
426
Beckenham 11 15% 93,099 8464
427
Stockton North 11 21% 92,832 8439
428
Bury St Edmunds 14 30% 118,041 8432
429
Huddersfield 12 25% 100,991 8416
430
Wakefield 12 29% 100,438 8370
431
Strangford 11 35% 91,796 8345
432
South Holland and The Deepings 13 35% 108,114 8316
433
Llanelli 10 17% 83,136 8314
434
Chippenham 12 37% 99,744 8312
435
Mid Dorset and North Poole 10 38% 82,985 8299
436
Boston and Skegness 13 0% 107,531 8272
437
Dartford 14 18% 115,749 8268
438
Broadland 12 29% 99,170 8264
439
Guildford 14 42% 115,030 8216
440
Reigate 13 35% 106,612 8201
441
South West Devon 11 39% 90,019 8184
442
Cheltenham 13 35% 106,333 8179
443
Halesowen and Rowley Regis 11 27% 89,529 8139
444
Wirral South 9 36% 73,195 8133
445
Stockport 11 35% 89,269 8115
446
Normanton, Pontefract and Castleford 14 30% 113,546 8110
447
Mole Valley 12 25% 97,208 8101
448
Leicester South 16 36% 129,396 8087
449
York Central 14 22% 113,152 8082
450
Rochester and Strood 14 18% 113,121 8080
451
City of Chester 12 29% 96,899 8075
452
South West Bedfordshire 14 7% 112,961 8069
453
Nottingham South 15 42% 120,366 8024
454
Caerphilly 11 21% 88,262 8024
455
West Worcestershire 12 40% 96,281 8023
456
Brent North 17 23% 136,270 8016
457
Hertsmere 13 24% 104,205 8016
458
Bromley and Chislehurst 12 37% 96,043 8004
459
Gloucester 15 21% 119,941 7996
460
Mid Worcestershire 13 24% 103,431 7956
461
Liverpool, Wavertree 12 14% 95,353 7946
462
Thornbury and Yate 11 27% 87,378 7943
463
Cynon Valley 9 31% 71,043 7894
464
Dover 13 0% 102,530 7887
465
Ludlow 11 39% 86,615 7874
466
Sheffield Central 17 45% 133,660 7862
467
North Shropshire 14 36% 109,995 7857
468
Battersea 15 12% 117,649 7843
469
East Londonderry 13 24% 101,795 7830
470
Sunderland Central 13 35% 101,695 7823
471
Northampton South 13 38% 101,603 7816
472
Inverclyde 10 23% 78,150 7815
473
Arundel and South Downs 13 55% 101,579 7814
474
Richmond (Yorks) 14 42% 109,158 7797
475
Camborne and Redruth 12 37% 92,978 7748
476
Tunbridge Wells 14 36% 107,957 7711
477
Dunfermline and West Fife 10 23% 77,005 7701
478
Ealing Central and Acton 16 27% 122,985 7687
479
Newton Abbot 12 29% 91,845 7654
480
North Down 12 20% 91,729 7644
481
Pudsey 12 33% 91,694 7641
482
Putney 13 28% 99,230 7633
483
Swansea West 11 48% 83,428 7584
484
Aldershot 14 22% 105,601 7543
485
Waveney 14 26% 105,282 7520
486
Weaver Vale 12 33% 90,205 7517
487
Scarborough and Whitby 13 28% 97,109 7470
488
Preston 13 28% 96,719 7440
489
Hitchin and Harpenden 14 7% 104,025 7430
490
Hammersmith 16 6% 118,780 7424
491
Dudley South 11 39% 81,386 7399
492
South West Wiltshire 14 33% 103,296 7378
493
Suffolk Coastal 14 42% 103,243 7375
494
Milton Keynes North 18 28% 132,698 7372
495
Oxford West and Abingdon 15 32% 110,282 7352
496
Banbury 17 11% 124,450 7321
497
Maidstone and The Weald 15 25% 109,591 7306
498
Sutton and Cheam 14 39% 101,980 7284
499
Central Ayrshire 12 37% 87,329 7277
500
St Ives 12 37% 87,315 7276
501
Torridge and West Devon 14 39% 101,844 7275
502
South Swindon 15 38% 109,015 7268
503
Chesterfield 13 13% 94,231 7249
504
Aberdeen North 14 36% 101,461 7247
505
Gower 11 31% 79,504 7228
506
Stratford-on-Avon 13 32% 93,810 7216
507
Somerton and Frome 15 29% 107,727 7182
508
Bassetlaw 15 12% 107,497 7166
509
Brentford and Isleworth 19 17% 135,834 7149
510
Islington South and Finsbury 17 29% 121,433 7143
511
Mid Norfolk 15 17% 106,983 7132
512
Bridgwater and West Somerset 16 20% 113,714 7107
513
Dundee East 10 23% 70,971 7097
514
Upper Bann 18 10% 127,592 7088
515
North Thanet 14 26% 99,200 7086
516
Leeds Central 22 27% 155,749 7080
517
Newry and Armagh 17 19% 119,966 7057
518
Stroud 15 35% 105,686 7046
519
Hexham 11 39% 77,334 7030
520
East Dunbartonshire 12 37% 84,049 7004
521
Grantham and Stamford 16 20% 111,477 6967
522
Southampton, Itchen 16 11% 110,362 6898
523
Peterborough 18 10% 124,103 6895
524
Basildon and Billericay 14 18% 96,192 6871
525
Harrow West 16 30% 109,879 6867
526
Derby South 17 32% 116,163 6833
527
Chelsea and Fulham 16 11% 109,198 6825
528
Exeter 17 29% 115,643 6803
529
Winchester 15 32% 102,030 6802
530
Wolverhampton South West 13 38% 88,339 6795
531
Thirsk and Malton 15 42% 101,767 6784
532
Hereford and South Herefordshire 15 21% 101,672 6778
533
Bristol West 21 40% 142,156 6769
534
Sheffield South East 14 22% 94,686 6763
535
Hertford and Stortford 17 29% 114,426 6731
536
Huntingdon 18 14% 120,029 6668
537
Lewes 14 30% 93,324 6666
538
Harborough 16 16% 106,503 6656
539
West Tyrone 14 22% 93,151 6654
540
East Devon 16 41% 106,349 6647
541
Blackpool South 12 37% 79,455 6621
542
Finchley and Golders Green 20 35% 132,223 6611
543
West Dorset 15 40% 98,748 6583
544
Chichester 17 35% 111,299 6547
545
Lancaster and Fleetwood 14 30% 91,595 6543
546
Keighley 15 17% 97,486 6499
547
Bath 15 35% 97,227 6482
548
Dundee West 12 37% 77,779 6482
549
Reading East 18 31% 116,095 6450
550
Wealden 17 32% 109,367 6433
551
Torfaen 13 19% 83,145 6396
552
Broxbourne 16 24% 102,242 6390
553
West Dunbartonshire 14 22% 89,130 6366
554
Merthyr Tydfil and Rhymney 12 8% 76,326 6361
555
Delyn 11 27% 69,847 6350
556
Pontypridd 13 35% 82,250 6327
557
Aberdeen South 15 35% 94,831 6322
558
Berwick-upon-Tweed 12 29% 75,832 6319
559
Coventry South 20 33% 125,912 6296
560
Torbay 16 33% 100,345 6272
561
Worthing West 16 30% 99,512 6220
562
Yeovil 18 28% 111,511 6195
563
Totnes 14 50% 86,418 6173
564
Oxford East 20 29% 122,993 6150
565
Cambridge 19 24% 116,540 6134
566
Norwich South 17 32% 104,215 6130
567
Clwyd West 12 45% 73,539 6128
568
Hornsey and Wood Green 21 13% 128,616 6125
569
Belfast South 19 42% 115,781 6094
570
Preseli Pembrokeshire 13 38% 79,178 6091
571
Beaconsfield 17 26% 102,799 6047
572
Bridgend 14 33% 84,135 6010
573
North Devon 16 43% 96,110 6007
574
Angus 24 33% 143,765 5990
575
Wrexham 12 20% 71,222 5935
576
Eastleigh 12 14% 71,066 5922
577
Birmingham, Ladywood 25 40% 147,715 5909
578
Skipton and Ripon 17 45% 100,236 5896
579
Bournemouth West 18 28% 105,337 5852
580
Kingston upon Hull West and Hessle 15 38% 87,308 5821
581
Ochil and South Perthshire 18 33% 104,639 5813
582
Lanark and Hamilton East 17 43% 98,038 5767
583
Derbyshire Dales 14 53% 80,340 5739
584
Tatton 15 35% 85,968 5731
585
Tiverton and Honiton 18 36% 103,139 5730
586
The Cotswolds 18 31% 102,355 5686
587
Vale of Glamorgan 18 22% 102,352 5686
588
Mid Sussex 20 13% 113,534 5677
589
Brighton, Pavilion 20 17% 113,318 5666
590
South East Cornwall 16 38% 90,314 5645
591
Carmarthen East and Dinefwr 13 48% 72,469 5575
592
East Kilbride, Strathaven and Lesmahagow
14 18% 77,300 5521
593
East Hampshire 18 22% 99,087 5505
594
North Dorset 18 28% 98,617 5479
595
Enfield, Southgate 19 14% 103,313 5438
596
Ruislip, Northwood and Pinner 18 38% 97,690 5427
597
Fermanagh and South Tyrone 20 13% 108,495 5425
598
Carlisle 16 16% 86,496 5406
599
Edinburgh North and Leith 21 46% 113,482 5404
600
Solihull 19 14% 102,349 5387
601
Wells 20 38% 107,468 5373
602
Kingston and Surbiton 24 25% 127,292 5304
603
Kensington 22 31% 113,645 5166
604
Truro and Falmouth 19 30% 96,491 5078
605
Ynys Môn 14 42% 69,961 4997
606
St Austell and Newquay 22 33% 107,530 4888
607
North Norfolk 18 40% 87,337 4852
608
Vale of Clwyd 15 32% 72,146 4810
609
Gordon 22 12% 103,910 4723
610
Cardiff Central 20 23% 93,898 4695
611
Neath 16 11% 74,257 4641
612
Holborn and St Pancras 35 30% 159,344 4553
613
Newcastle upon Tyne Central 23 12% 104,633 4549
614
Monmouth 19 24% 86,212 4537
615
Glasgow Central 23 43% 103,461 4498
616
Central Devon 21 40% 94,135 4483
617
Kilmarnock and Loudoun 19 17% 82,864 4361
618
Montgomeryshire 15 35% 63,297 4220
619
Workington 19 32% 79,650 4192
620
Arfon 15 17% 62,757 4184
621
Kirkcaldy and Cowdenbeath 19 32% 78,351 4124
622
New Forest West 21 19% 86,139 4102
623
Isle of Wight 35 26% 141,538 4044
624
Carmarthen West and South Pembrokeshire
20 44% 77,840 3892
625
Penrith and The Border 22 31% 82,633 3756
626
North Cornwall 25 29% 93,582 3743
627
Brecon and Radnorshire 19 42% 69,150 3639
628
Perth and North Perthshire 42 16% 151,290 3602
629
Copeland 22 33% 78,440 3565
630
Aberconwy 17 32% 59,207 3483
631
North East Fife 22 29% 75,226 3419
632
Dwyfor Meirionnydd 18 44% 61,421 3412
633
Ceredigion 24 25% 72,992 3041
634
Inverness, Nairn, Badenoch and Strathspey
31 16% 89,755 2895
635
Westmorland and Lonsdale 31 33% 84,941 2740
636
Aberdeenshire West and Kincardine 37 16% 97,136 2625
637
Ayr, Carrick and Cumnock 36 14% 91,799 2550
638
Banff and Buchan 30 21% 75,612 2520
639
East Lothian 34 15% 79,505 2338
640
Dumfries and Galloway 41 20% 95,409 2327
641
Dumfriesshire, Clydesdale and Tweeddale
39 15% 86,345 2214
642
Orkney and Shetland 21 9% 45,180 2151
643
Moray 41 28% 80,367 1960
644
Stirling 42 19% 77,002 1833
645
Berwickshire, Roxburgh and Selkirk 52 22% 94,825 1824
646
North Ayrshire and Arran 54 19% 93,645 1734
647
Cities of London and Westminster 112 29% 129,893 1160
648
Caithness, Sutherland and Easter Ross 67 17% 69,767 1041
649
Argyll and Bute 119 6% 60,394 508
650
Ross, Skye and Lochaber 219 4% 69,381 317
651
Na h-Eileanan an Iar 108 0% 26,830 248

Are high street banks replaceable?

Post Offices

Since 2007, the number of people using the internet for online banking has increased by 46 per cent according to the Office for National Statistics emphasising a huge shift in the way we manage our money. For those who prefer an in-person service, Post Offices are regularly mentioned as an alternative to visiting the bank.

However, while the number of Post Offices in the UK has remained fairly consistent since 2009, the number of banks has considerably decreased over the last five years. In addition, our study shows just 23 per cent of Brits use the Post Office for banking services with more than 14 per cent of people unaware they can even use the Post Office for financial tasks.

Mobile banking

While the survival of high street banking will no doubt be made all the more difficult due to the ongoing coronavirus crisis, there is yet to be a viable alternative to in-person banking for those wanting a more extensive service to the one provided online.

A number of banking groups including NatWest and Lloyds have invested in mobile banking vans which visit communities in an attempt to fill the void left by branch closures. However, they generally only visit local areas once a week.

The right to access a bank

Although people currently don’t have the right to access a physical branch, over the last five years the government has carried out a number of reviews into the impact bank closures are having on local communities. In 2017, the banking industry introduced an ‘Access to Banking Standard’ which outlined the steps banks should take before closing a branch. Banks also vowed to be more transparent with customers about the closures and committed to conducting impact assessments before taking the decision to shut.

Most recently, the chancellor, Rishi Sunak announced the government would commit to new laws to protect the future of cash but as of yet little progress has been made.

A cashless future?

While UK finance has predicted just nine per cent of all payments in 2028 will be made by cash, it is clear there is a need to protect high street banks. Although the high street continues to evolve, the security of physical branches must be made a priority before it is too late.

Online banking provides a viable alternative to visiting a bank for many but for millions of others it fails to come close to meeting their nuanced needs. Alternatives to in-person banking should certainly be explored but not at the expense of physical branches and the people who rely on access to cash.