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Bank Branch Presence in the UK: Then and Now

David Prior by David Prior
August 22, 2025
Reading Time: 4 mins read
Bank Branch Presence in the UK: Then and Now
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In 2025, Britain’s high streets will look very different from just a generation ago. Once packed with bank branches and building societies, today only a fraction remains. Walk down most town centres now and you’ll see fewer logos above the doors. The big bank names are still present, but often in reduced numbers. Building societies have held on a bit better, especially Nationwide and Skipton. In fact, Nationwide has promised to keep every branch open until at least 2028.

Where Things Stand Today

Across the UK, roughly 7,000 bank and building society branches are left open. That’s down from 12,000 for the mid-2000s, then 21,000 in the 1980s. Closures accelerated in the past decade. An average of 50 branches have disappeared per month.

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  • Nationwide remains the largest branch network, with more than 600 sites and a firm commitment to stay on the high street.
  • HSBC has shifted some locations into “digital service branches,” where staff help customers use online banking in-branch.
  • Santander with 95 closures planned in 2025.
  • Lloyds Banking Group (Lloyds, Halifax, and Bank of Scotland) has announced that it plans 136 closures between May 2025 and March 2026.
  • NatWest Group continues its digital-first strategy, shutting down over 1,400 branches since 2015.

In many communities, the last traditional bank has already gone. For those towns, services are being replaced by shared “banking hubs” and access via the Post Office.

Looking Back: A Different High Street

In the mid-2000s, most of the high streets had a full lineup of major banks. You could find Barclays, HSBC, Lloyds TSB, NatWest, Abbey National (later Santander), and Halifax. Building societies such as Britannia, Skipton, Cheshire, and Nationwide were also common. Customers could choose between multiple local branches, often within walking distance.

That picture has largely vanished. The UK’s bank branch numbers have fallen by roughly two-thirds in just 20 years.
The number of bank and building society branches across the UK has fallen sharply from more than 21,600 in 1986 to around 6,800 in 2024, with more than 6,500 closures in just the past decade. Some towns continue to retain a mix of banks and building societies, while others have lost every branch, now relying exclusively on Post Offices or newly introduced banking hubs.

CategoryBranches c. 2005–2010 (estimated)Branches in 2025 (current)
High street banks (major)~7,000 (Barclays, HSBC, Lloyds TSB, NatWest, Abbey/Santander, Halifax, etc.)~5,500 (Barclays, HSBC, Lloyds, NatWest, Santander, Halifax)
Building societies~2,000 (Nationwide, Britannia, Skipton, Cheshire BS, and others)~1,300 (Nationwide, Skipton, Yorkshire, Coventry, etc.)
Credit unionsSmall, limited physical presenceMinimal (largely online or via regional offices)
Total physical branches~9,000~6,800

Why Branches Keep Closing

There are several factors that could explain this sharp decline:

  • Digital banking adoption: It is estimated that 60–80% of UK adults now primarily use mobile or online banking. NatWest reports that over 80% of its personal customers no longer use branch counters.
  • Changing habits: Contactless payments and mobile wallets have reduced the need to withdraw or deposit cash and cheques are barely used.
  • Efficiency drives: Banks cite falling footfall, with some branches seeing fewer than 200 visitors a week before closure.
  • The “circle effect”: Once branches close, customers have little choice but to bank online, making remaining sites even less viable.

Alternatives Emerging

To soften the blow, new solutions are being rolled out:

  • Banking hubs: Shared spaces where staff from different banks provide basic services on rotation. Around 250 are expected to be running by the end of 2025.
  • Mobile banking vans: Used in rural areas, though availability is patchy.
  • Post Office services: Cash withdrawals, deposits, and balance checks can be done across 11,500 Post Office branches.

But here’s the thing: while these steps help, they’re not the whole answer. A lot of people have simply shifted to digital-first providers. That’s where neobanks come in. They operate without physical branches, running entirely online or through mobile apps. Monzo, Starling, and others have built their model around convenience, lower fees, and quick setup. For many younger customers, opening an account with a neobank feels easier than walking into a real bank.

The UK Banking Landscape Today

The shift is clear: physical networks are shrinking fast, and digital channels dominate. But the story isn’t one-sided. Building societies like Nationwide still see value in a local presence, while big banks are experimenting with tech-led branches rather than shutting everything.

The bottom line? The UK’s banking map has been redrawn. Where once nearly every town had multiple choices on its high street, today many have none. What survives is a leaner, more digital system, with a few holdouts and workarounds to keep face-to-face banking alive.

David Prior

David Prior is the editor of Today News, responsible for the overall editorial strategy. He is an NCTJ-qualified journalist with over 20 years’ experience, and is also editor of the award-winning hyperlocal news title Altrincham Today. His LinkedIn profile is here.

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