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30 Jan 2020

Lloyds Banking Group bank branch closures: is your local bank closing in 2020?

Find out which Lloyds Bank, Halifax and Bank of Scotland branches will close

Lloyds Banking Group has announced that 56 Lloyds Bank, Halifax and Bank of Scotland branches will close between April and October 2020.

The closures are spread across the UK, and come after Lloyds Banking Group already closed 151 branches between January 2018 and August 2019.

Here, we reveal which branches have been earmarked for closure, and how you can join our campaign to safeguard the UK's access to banking.

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Which Lloyds Bank, Halifax and Bank of Scotland branches are closing?

It's been confirmed that 31 Lloyds, 10 Halifax and 15 Bank of Scotland branches will be closing around the UK this year.

To see whether your local branch is affected, check the table below:

It has not yet been confirmed precisely when each branch will close.

Why is Lloyds Banking Group closing 56 branches?

Lloyds Banking Group says that the closures are a response to 'changing customer behaviour' as an increasing number of people ditch branch-based banking in favour of online.

The bank says it will contact all customers who will be affected by the closures.

Many big UK banks have slashed their banking network numbers for similar reasons. Which? Money research has found that at least 3,383 bank branches have closed in the past five years, shrinking the network by 34% to 6,470.

This latest announcement shows that local branch banking remains under threat.

Which bank has closed the most branches?

Which? Money has closely followed UK bank branch closures.

At the beginning of 2019, Santander announced 140 branch closures in one go, while the RBS Group - which includes NatWest - announced 259 branch closures in 2018.

Elsewhere, November 2019 saw TSB reveal it was planning to shut the doors of 82 of its branches this year.

RBS closed 74% of its branches in the past five years; NatWest closed 49% and HSBC shut 42%.

The map below shows you where and when banks have closed branches between January 2015 and August 2019.

Is everyone ready for digital banking?

While online banking is becoming increasingly popular, it's not suitable for everyone.

Which? research recently found that one in five adults in the UK exclusively use non-digital ways to bank, including using bank branches, ATMs, post offices and telephone banking.

In a nationally representative survey, we found that almost two in five adults wouldn't be confident applying for a loan using digital banking, while just under a third wouldn't be confident setting up a regular payment using a banking website or app.

We've also found that vulnerable members of the community, such as the elderly and those with mobility issues, are the worst affected when their access to cash is reduced.

Gem Turner, who suffers from brittle bones, told us she'd lose her independence if she didn't have access to cash.

You can read Gem's full story here, and find out the role that cash plays in her day-to-day life in the video below.

Freedom to pay. Our Way.

We're continuing the lobby the government to intervene and protect the UK's banking and cash infrastructure. Measures taken so far have not been enough to halt the rapid decline of banks and cash machines.

You can find out more about our 'Freedom to pay. Our way' campaign.

You can also share your views by joining the discussion at Which? Conversation.