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Banking Services: Accessibility — [Matt Western in the Chair]
19 March 2026
Lead MP
Andrew George
St Ives
Lib Dem
Responding Minister
Lucy Rigby
Tags
Women & Equalities
Word Count: 10068
Other Contributors: 8
At a Glance
Andrew George raised concerns about banking services: accessibility — [matt western in the chair] in Westminster Hall. A government minister responded.
Key Requests to Government:
I ask the Minister to extend the regulatory framework so that it protects access to banking services more widely, including advice and account management, beyond just cash. It should require realistic travel assessments for rural areas, improve service standards for banking hubs, and consider proportionate service obligations on banks due to their 'too big to fail' status.
How the Debate Unfolded
MPs spoke in turn to share their views and ask questions. Here's what each person said:
Lead Contributor
I am concerned about the closure of bank branches and the lack of consultation with communities. A recent closure in Penzance, Cornwall, has left many people without access to face-to-face banking services. According to Fair4All Finance, over 20 million people across the UK are financially vulnerable, with one in ten having no savings and nearly a third having less than £1,000. Many prefer face-to-face banking due to digital exclusion or disability.
Cameron Thomas
Lib Dem
Tewkesbury
Cameron Thomas criticised Lloyds Banking Group for closing its Tewkesbury branch with only four months' notice, joining a pattern of bank closures in the area. He highlighted the impact on elderly residents and small businesses, noting that these closures occur despite Tewkesbury borough's rapid population growth. Thomas also called for government support to establish banking hubs before all local banks close. He criticized Lloyds Bank for its branding that portrays it as being 'By Your Side', while in reality, the bank has closed 94 branches and its CEO earns £17 million annually. Discussed challenges faced by his constituents, including elderly, disabled, and vulnerable individuals who require access to physical branches. He mentioned transport issues affecting branch accessibility.
Redditch
Serving under the chairmanship of Mr Western, Christopher Bloore compliments the hon. Member for raising pertinent points about transport difficulties faced by constituents when bank closures are announced without adequate consideration of public transport options.
David Chadwick
Lib Dem
Brecon, Radnor and Cwm Tawe
Mr Chadwick highlighted the erosion of access to basic banking services in rural Wales. He detailed issues in Hay-on-Wye and Presteigne, where residents face severe difficulties accessing cash and bank branches due to long distances and lack of reliable ATMs. In Brecon and Llandrindod Wells, towns are down to their last remaining banks under current rules, forcing communities into a wait-for-failure situation before they can be considered for banking hubs. He called for reforming the criteria for banking hubs to better reflect rural geography. The hon. Member says that banks do a very good job. Is he not aware of the numerous outages that Lloyds has had on its banking apps over the past couple of years and indeed the past couple of weeks? Those outages create a reliance on physical infrastructure for people to access cash if they need to. Does the hon. Member also agree that the banks can afford to pay for banking hubs? It is not the Government who should have to pay for them. Does he agree that banks have more than enough to cover the cost of these hubs? The biggest constituency in England and Wales requires more than the 350 hubs that the Government have already committed to, with specific needs for Brecon and Presteigne.
David Williams
Lab
Stoke-on-Trent North
Described the closure of the last bank in Stoke-on-Trent North and Kidsgrove, expressing concern over the lack of access to 'proper banking' services. Pushed for full-time banking hubs with consistent service provision. Mr Williams pointed out that banks need to do more for older residents, not just those described as vulnerable. He highlighted the inadequacy of half-hour app training sessions provided by banks when their branches close.
Katrina Murray
Lab
Cumbernauld and Kirkintilloch
She highlighted the closure of bank branches in Kilsyth and Cumbernauld, emphasizing how communities suffer when banks leave. She praised Kilsyth's community-led initiative to establish a banking hub and called for greater transparency from banking groups regarding branch closures.
Richard Foord
Lib Dem
Honiton and Sidmouth
Grateful to my hon. Friend for securing the debate, Richard Foord raises concerns about reduced banking services in Devon and Cornwall when high street banks close. He points out that while some services are available at hubs, these are typically only accessible one day a week rather than five.
Richard Fuller
Con
North Bedfordshire
Joined the debate to highlight concerns about bank closures, noting lack of consultation and impact on community. Emphasised the historical communal role banks played in society. Also raised issues regarding accessibility to cash and face-to-face banking services.
Robbie Moore
Con
Keighley and Ilkley
Noted securing a banking hub in Ilkley but expressed concern about potential closures in Keighley, advising that when seeking banking hubs, attention should be paid to the presence of cash machines.
Government Response
Lucy Rigby
Government Response
The minister acknowledged the growing interest in banking accessibility issues and thanked hon. Members for their contributions. She addressed challenges faced by rural and coastal communities, noting the importance of physical branches for elderly, disabled, vulnerable, and digitally excluded individuals. The minister welcomed commitments from Nationwide Building Society to maintain 605 branches until at least 2030 and HSBC UK to keep 327 branches open until at least 2027. She highlighted the Government's commitment to roll out 350 banking hubs across the country by the end of this Parliament, noting that more than 270 hubs have already been announced with 18 months remaining in the current Parliament.
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About Westminster Hall Debates
Westminster Hall debates are a chance for MPs to raise important issues affecting their constituents and get a response from a government minister. Unlike Prime Minister's Questions, these debates are more in-depth and collaborative. The MP who secured the debate speaks first, other MPs can contribute, and a minister responds with the government's position.