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 79 new branch closures, 75 of which will close in 2026 and four in 2027.
The latest wave includes 48 Halifax branches and 31 Lloyds branches.
Added to the closures already announced, this means that Lloyds Banking Group will close a total of 233 branches in 2026, plus 12 in 2027.
Since 2015, the group has closed nearly 1,600 branches across the UK – which is more than any other banking network.
Here, Which? reveals the full list of closures and what’s being done to protect access to cash.
Here are the locations of all the Lloyds Banking Group branches closing in 2026 and 2027.
This table includes all branches closing in 2026.
This table includes all branches closing in 2027.
Lloyds said the closures are linked to a continued decline in branch visits and the ongoing shift to digital banking.
It added that the organisation is continuing to invest in face-to-face banking, and 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 its branches.
Lloyds also stated it has more than 170 community bankers providing in-community support for customers. In addition, customers can deposit cash at more than 28,000 PayPoint locations across the country.
Extra targeted support has been promised for vulnerable customers.
Lloyds said: 'With access to one of the biggest branch networks in the UK, alongside local banking options like our community bankers, the Post Office, PayPoint, plus our leading apps and 24/7 messaging service, we offer our customers more choice and convenience than ever before.'
In response to the latest round of closures, cash access network Link has recommended a Banking Hub in three locations: Cheetham Hill, Kirkby and Birmingham Handsworth.
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.
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To find out whether your local branch is closing or has recently closed, our closure checker tool shows those shutting down in each local authority area.
Here are some of the measures that have been brought in since we started our campaign 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.
Since January 2020, customers of some 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.
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, on average.
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 18 June 2026.
