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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

St Ives
Opened the debate
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.

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.
Assessment & feedback
Summary accuracy

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.