Bank 網状組織 縮むs by 267 支店s in three months: Could your 地元の 支店 be next on the chopping 封鎖する?

  • Bank 支店 網状組織 shrank by 4.55 per cent between April and June this year
  • Major High Street banks have axed over 1,000 支店s since pandemic began
  • Lloyds, Halifax and Virgin Money? 始める，決める for 切迫した 支店 終結s

By Ed Magnus For Thisismoney.co.uk

Updated:

Britain's bank 支店 網状組織 shrank by 4.55 per cent in as little as three months earlier this year as banks continue to の近くに their doors across the UK.

Between April and June, 267 支店s の近くにd, によれば FCA data, leaving only 5,599 remaining.

It is no secret that bank 支店s have been disappearing from Britain's high streets at a 記録，記録的な／記録する pace in 最近の years.

Major High Street banks have axed over 1,000 branches since the pandemic forced the first lockdown in March 2020.

Major High Street banks have axed over 1,000 支店s since the pandemic 軍隊d the first lockdown in March 2020.

Since January 2015, bank 支店s have been の近くにing at a 率 of 50 each month, によれば ロビー group Which?,?but the pandemic appears to have 悪化させるd the 傾向.?

Major High Street banks have axed over 1,000 支店s since the pandemic 軍隊d the first lockdown in March 2020, says Which?, with many more scheduled over the coming months.< /p>

The bank 支店s の近くにing 負かす／撃墜する

Next year, Lloyds Banking Group is shutting 48 more Lloyds and Halifax bank 支店s across England and むちの跡s.

All 終結s will take place between January and April, with the 場所s 影響する／感情d 含むing Balham, Christchurch, Dorking, Prescot, Sevenoaks and Windsor.

Virgin Money also 発表するd 計画（する）s to の近くに 31 bank 支店s and axing around 112 職業s as it looks to move more of its 操作／手術s online.

< p class="mol-para-with-font">の中で others, Virgin Money 支店s in Beverley, Blackburn, Lincoln, Macclesfield, Nuneaton, Whitby and Wick are all 予定 to の近くに.

At the start of the year,?HSBC said it would shut 82? 支店s?this year and axe 反対する services at others as it 焦点（を合わせる）s on 一時的な 'pop-up' 中心s in a 数字表示式の 運動?

In spring, Santander said it would の近くに 111 banks across the UK by the end of August?

Are 終結s 始める，決める to continue???

Whilst the 見えなくなる of bank 支店s will be of lesser 関心 to some, the いっそう少なく tech savvy, older 顧客s and small 商売／仕事s are watching on with 増加するing 関心 that their 地元の 支店 may be next.

現在／一般に only 60 per cent of the 全住民 lives within 2km of a bank 支店 whilst 12.5 per cent live その上の than 5km from one, によれば FCA data.

'For those 顧客s without internet 接近 who prefer 直面する to 直面する banking, the choices are becoming より小数の and 開始 hours more 制限するd,' said Hagger.

'There have been 率先s such as 動きやすい banking 先頭s and banks 株ing 支店s, and some of these lower cost 代案／選択肢s will probably 拡大する.

'I think it is 必然的な that the 支店 網状組織s will continue to 縮む as online 科学（工学）技術 becomes the norm for more and more 顧客s - however that's of little 慰安 for the 年輩の who don't understand or 信用 the internet.

In March, Santander announced plans to close 111 branches by the end of August 2021 in response to the ongoing shift by customers towards mobile and online banking.

In March, Santander 発表するd 計画（する）s to の近くに 111 支店s by the end of August 2021 in 返答 to the 現在進行中の 転換 by 顧客s に向かって 動きやすい and online banking.

One in four people say they would 避ける 地元の 支店s out of preference for a 数字表示式の-only experience, によれば new 研究 from analytics leader SAS.

It also 設立する that more than one in eight banking 顧客s started using a 数字表示式の service or 動きやすい app for the first time during the pandemic.?

Looking ahead, there is little 証拠 to 示唆する the online banking 傾向 will slow either.?

Almost two thirds of the 産業's 最高の，を越す (n)役員／(a)執行力のあるs think 支店-based 貸す人s will be 'dead' in the next five years, によれば a 報告（する）／憶測 by the 経済学者 知能 部隊 for 財政上の ソフトウェア company Temenos.

The 研究 by SAS also 設立する that of those now using 数字表示式の banking services, nearly one in five 心配する using 数字表示式の service or 動きやすい app in 新規加入 to in-person visits, with over a ４半期/4分の1 ーするつもりであるing to make 数字表示式の a 永久の replacem ent for in-person visits.

Andrew Hagger, 創立者 of MoneyComms said: 'I think the covid pandemic has seen banks refocus their attention on the viability of their 支店 網状組織s 地位，任命する covid, with more 顧客s transacting online rather than coming through their doors.

'Banks will be looking at 支店s which are now いっそう少なく viable 予定 to lower footfall, 特に if they have another 出口 within 公正に／かなり の近くに proximity.'

THIS IS MONEY'S FIVE OF THE BEST CURRENT ACCOUNTS

Chase Bank will 支払う／賃金 £1% cashback on spending for the first 12 months. 顧客s also get 接近 to an 平易な-接近 linked 貯金 account 支払う／賃金ing 3.8% on balances up to £250,000. The account is 完全に 解放する／自由な to 始める，決める up and is 完全に app based. Also no 告発（する），告訴（する）／料金s when using the card abroad.

Lloyds Bank

全国的な's FlexDirect Account 申し込む／申し出s 5% in-credit 利益／興味 to new joiners when they switch on balances up to £1,500. This 率 only lasts for one year. The account is 料金 解放する／自由な.

Natwest

Halifax Reward Account 支払う／賃金s £150 when you switch. Also earn up to an extra £75 cashback when you spend £750 each month for 3 months. There is a £3 月毎の account 料金, but that’s stopped by 支払う／賃金ing in at least £1,500 each month.

First Direct will give newcomers £175 when they switch their account. It also 申し込む／申し出s a £250 利益／興味-解放する／自由な overdraft. 顧客s must 支払う／賃金 in at least £1,000 within three months of 開始 the account.

Nationwide

NatWest's Select Account account 支払う／賃金s £200 when you switch. The account has no 月毎の 告発（する），告訴（する）／料金s, but to be elligible for the £200, you'll need to deposit £1,250 into the account and スピードを出す／記録につける into 動きやすい banking app within 60 days.

Barclays
取引，協定s 選ぶd by This is Money's specialist reporters.
Read our 十分な best bank accounts 一連の会議、交渉／完成する-up

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