Lloyds Banking Group to close 215 branches in 2025 and 22 in 2026

Lloyds Banking Group has announced 135 new branch closures, with sites shutting between May this year and March 2026. 

The latest wave includes 60 Halifax, 61 Lloyds Bank, and 14 Bank of Scotland branches – on top of the 102 closures Lloyds Banking Group already had scheduled for 2025. 

Here, Which? reveals the full list of closures and what’s being done to protect access to cash.  

Which Lloyds Banking Group branches are closing in 2025?

Here are the locations of the latest branch closures, in addition to the 102 branches announced in September 2024 that are already set to close this year. 

It also announced the closure of its 'Home by Halifax' branch at 100 Cannon Street, London. This location specialises in mortgage advice and doesn't offer standard banking services, so it's not included in our main list of branch closures. 

Branches closing in 2026

This table includes all branches closing next year. 

Why is Lloyds closing more branches?

Lloyds Banking Group said transactions in these branches have reduced by 48% in the last five years. Across all of its branches, there were ten million fewer in-branch transactions in 2024 compared to 2023.

A spokesman said: 'Over 20 million customers are using our apps for on-demand access to their money and customers have more choice and flexibility than ever for their day-to-day banking. 

'Alongside our apps, customers can also use telephone banking, visit a community banker or use any Halifax, Lloyds or Bank of Scotland branch, giving access to many more branches. 

'Customers can also do their everyday banking at over 11,000 branches of the Post Office or in a Banking Hub.'

• 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 2025?

• NatWest: 53
• TSB: 8
• Barclays: 6

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 if 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 co-ordinates 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.

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

Cashback

This initiative allows 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 30 January 2025