Lloyds Banking Group to close 190 branches in 2024 and 102 in 2025

Lloyds Banking Group has announced 55 new branch closures, all scheduled for 2025. 

Added to the existing closures, this means the group, which includes Halifax and Bank of Scotland, will close a total of 190 branches in 2024 and 102 next year.

The new closures include 32 Halifax, 19 Lloyds and four Bank of Scotland sites, and will take place between January and September 2025.

Here, Which? reveals which branches will be closed and what's being done to protect cash access. 

Which Lloyds Banking Group branches are closing in 2024?

Here are the locations of the 190 branches set to close in 2024. You can use the search bar to see whether your local branch is affected:

Which Lloyds Banking Group branches are closing in 2025?

Here are the locations of the 102 branches set to close in 2025:

Why is Lloyds closing more branches?

Lloyds Banking Group said that transactions in these 55 branches have reduced by 55% on average in the last five years, as more customers choose to manage their money online or via apps.

A Lloyds Banking Group spokesperson said: 'Mobile banking is more popular than ever, with over 19.5 million customers choosing our app to manage, maximise and understand more about their money. Alongside our app, customers can bank online, over the phone, at a banking hub, a Post Office or by speaking to one of our community bankers.

'All branch locations announced for closure have alternative options for accessing cash nearby, such as a Post Office, or free to use ATM. We’ll also be introducing 37 new community bankers, in addition to those already helping communities, to provide targeted banking support where a branch is closing.'

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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 2024?

Lloyds isn't the only bank to have announced closures this year. 

NatWest Group (including Royal Bank of Scotland and Ulster Bank) will close 98 this year, Barclays will close 90, TSB will shut 28 and Danske Bank will shut four sites this year.

To find out whether your local bank branch is closing, or has recently closed, use our bank branch closure checker tool which shows the branches shutting down in your local authority area.

What’s being done to protect access to cash?

Which? has campaigned to protect access to cash.

Here are some of the cash solutions that have been announced or put in place since our campaign began:

New law to protect access to cash

Banks and building societies will have to plug gaps in local cash provision under new rules proposed by the Financial Conduct Authority (FCA).

Legislation that came into force in June 2023 gave the watchdog new powers to ensure people could conveniently withdraw and deposit cash following the rapid rate of bank and ATM closures. 

The FCA said its new rules will not prevent bank branches from closing but will help ‘manage the pace of change’ and mean that any location set to lose a bank or other cash access point (such as an ATM) must have alternative provisions in place before it shuts.

• Find out more: new rules to protect cash access and scam victims become law

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Link review to commission new cash services

In December 2022, the Cash Action Group (CAG) announced that any community facing the closure of a core cash service, such as a bank branch or ATM, will trigger an independent review by Link.

Link will determine whether a new solution should be provided and will have the power to commission services, such as a shared banking hub or better Post Office services, to meet the cash needs of the community as a whole – not just the customers of one bank or building society.  

• Find out more: six things you need to know about the new bill to protect cash access and scam victims

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. 

The service will run until December 2025, after a new agreement was signed with 30 banks in February 2022. 

The article was first published in May 2022, and has been updated several times since. The last update was on 16 September 2024.