Bank in Crisis: High Street Branches Predicted to Be Wiped

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.

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.

	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.