Lloyds Banking Group to close 158 branches in 2026 and 8 in 2027
Josh is an award-nominated journalist with nearly a decade of experience, including writing for national newspapers. A data whizz, he specialises in covering personal finance and investing.
Lloyds Banking Group has announced 95 new branch closures, 87 of which will close in 2026 and eight in 2027.
The latest wave includes 53 Lloyds, 31 Halifax and 11 Bank of Scotland branches – on top of the 71 closures Lloyds Banking Group already had scheduled for 2026.
Here, Which? reveals the full list of closures and what’s being done to protect access to cash.
Which branches are closing in 2026 and 2027?
Here are the locations of all the Lloyds Banking Group branches closing in 2026 and 2027.
Branches closing in 2026
This table includes all branches closing in 2026.
Branches closing in 2027
This table includes all branches closing in 2027.
Why is Lloyds closing more branches?
Lloyds said the closures are linked to a continued decline in branch visits and the ongoing shift to digital banking.
It added that all existing branches have now been opened up to all Lloyds Banking Group customers – so any Lloyds, Halifax or Bank of Scotland customer can use any of their branches.
In addition, Lloyds stated it has more than 170 Community Bankers working in local neighbourhoods, as well as offering banking at the Post Office, Banking Hubs and 30,000 PayPoint locations across the country.
Lloyds said: 'Customers want the freedom to bank in the way that works for them, and we offer more choice and ways to manage money than ever before. From our leading apps and 24/7 messaging service, to local banking options like our Community Bankers, PayPoint and access to all of our Lloyds, Halifax and Bank of Scotland branches, we're giving our customers the flexibility to bank wherever and whenever they need us.'
In response to the closures, cash access network Link has recommended a Banking Hub in 14 locations: Armthorpe, Clevedon, Didcot, Ebbw Vale, Heswall, Hinckley, Honiton, Longton, Mexborough, Newmarket, Ringwood, Skelmersdale, Street and Wednesbury.
- Find out more: is your local bank closing?
What are 'community bankers'?
Lloyds says its community bankers provide banking support in local communities where a branch is closing.
Community bankers have a dedicated office space in a local venue where customers can chat in private, and appointments don't need to be made in advance.
You can view the list of current locations on Lloyds’ website under the ‘community bankers’ section.
Which other banks are closing branches in 2026?
- NatWest: 30
- Santander: 40
To find out whether your local branch is closing or has recently closed, our closure checker tool shows those shutting down in your local authority area.
What’s being done to protect access to cash?
Here are some of the measures that have been brought in since we started our campaign to protect cash:
New law to protect cash
The financial watchdog's new rules stipulate that banks and building societies will need to weigh up whether local communities lack access to cash services – such as branches and ATMs – and plug significant gaps.
Specifically, they will be required to assess cash access and check whether additional services are needed when changes are made to local services, such as the closure of a local branch.
The new rules also state that local residents and community groups will be able to request an assessment of whether there are gaps in local cash access, which providers must respond to.
These requests can be made via Link, which operates much of the UK's ATM network and coordinates between the FCA and banks on access to cash.
Where significant gaps are found, providers will have to deliver reasonable additional cash services.
In such cases, banks and building societies will be required to keep facilities such as branches and ATMs open until alternative cash services become available.
- Find out more: how Which? campaigned to protect cash and won
Post Office services
Since January 2020, customers of certain banks have been able to use Post Office branches to withdraw and deposit cash in their accounts and make balance queries. Most banks will also allow you to deposit cheques.
This service, described as a 'lifeline' by the Post Office, means that people can still access essential services, even if their local bank branch has shut.
Cashback
This initiative enables people to request cashback at the till in their local convenience store, without needing to make a purchase or pay a fee.
Link’s ‘cash at the till’ service has become a popular way to access cash in shops, with £5.5m withdrawn each month.
Customers can withdraw any amount from 1p to £50, depending on their account balance and the cash available in the retailer’s till. Notes and coins are available.
The article was first published in May 2022, and has been updated several times since. The last update was on 12 February 2026.
