Overview

• NatWest will close 26 branches and Halifax will shut 13 in September, with additional closures scheduled in October.
• NatWest, Halifax, Lloyds and Bank of Scotland plan to close 113 branches before the end of November 2025.
• Santander announced in March it would close 94 of its 444 UK branches, with 14 sites shutting this month.
• Official ONS data shows the UK branch network fell from 10,410 in 2019 to 6,870 in 2024, a 34% decline.
• The industry has committed to 350 Post Office‑operated banking hubs by 2029, with 179 open, alongside FCA requirements to assess and maintain local cash access.