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NatWest to Shut 55 Branches and Santander Closes 23 More as Digital Banking Dominates

Lenders are investing in Post Office services, banking hubs, mobile units, community pop-ups to keep cash within reach

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Overview

  • NatWest has announced plans to close 55 high-street branches between September 24, 2025, and February 5, 2026, as customer transactions shift online.
  • Following its March announcement to cut 95 sites, Santander closed 23 branches this June as it adapts its network for rising digital use.
  • Over 80% of NatWest’s active current account holders rely on digital services and more than 97% of its retail accounts are opened online.
  • NatWest will invest over £20 million in 2025 to upgrade remaining branches and expand shared solutions with the Post Office and banking hubs.
  • UK banks have shuttered more than 6,000 branches since 2015, prompting FCA rules on cash access and Nationwide’s pledge to keep nearly 700 branches open until 2028.