Earlier this year, I walked into the Lloyds Bank branch in Preston with a colleague. A couple of regulars were chatting in hushed tones about the imminent closure of that branch, one of those everyday services you hardly notice until it’s gone.
One local, a retired shopkeeper, muttered as he filled out a form, “Feels like I’m losing a bit of my town with every bank that shuts.”
This moment really brought home how widespread and impactful the current wave of Lloyds Bank, Halifax and Bank of Scotland branch closures has become.
Over the next couple of years, hundreds of branches across the UK are due to close as part of a strategy to adapt to changing customer behaviour and rising digital banking usage.
In this review, I’ll unpack what these changes mean for customers, how Lloyds is managing the transition, and provide the most up‑to‑date A–Z list of branches affected, complete with direct links to official review documents where available.
What Is the Official Reason Behind These Branch Closures?
Lloyds Banking Group, which includes Lloyds Bank, Halifax and Bank of Scotland, has explained that the ongoing branch closures reflect a long‑term shift in how customers choose to bank.
More and more people now prefer to carry out everyday tasks such as checking balances, paying bills, or transferring money through mobile apps or online platforms, a trend that has accelerated significantly over the past decade.
The group has said that, in some of the branches set to close, footfall and transaction volumes have declined sharply as customers move towards digital services.
Alongside this structural shift in behaviour, Financial Conduct Authority (FCA) requirements mean banks must also consider how closures will affect local access to essential services such as cash withdrawal and deposits before they proceed with shutting a branch.
Crucially, Lloyds positions these closures as part of a broader reconfiguration of its customer services, not a simple retreat from the high street.
The bank has emphasised that it aims to offer customers a mix of digital, telephone and in‑person options, and in some cases establishes alternative local support such as Community Bankers, Banking Hubs or extended services through shared partner locations.
How Is Lloyds Banking Group Planning to Support Customers Who Lose Their Local Branch?
Lloyds has stated that it follows FCA guidance when planning branch closures, which includes assessing the impact on customers and evaluating how essential services such as access to cash will continue in affected areas.
When a branch closes, customers are increasingly encouraged to use digital tools and telephone banking to manage their accounts. However, recognising that some people, particularly older customers and those who are not comfortable online, still value face‑to‑face interaction, Lloyds may send a Community Banker to visit local customers after closure.
In certain areas, the bank or its partners may also establish a Banking Hub or Deposit Service nearby to retain some physical access to everyday banking.
One Post Office employee in Preston, when I asked about these closures, shrugged and said:
“We’ve seen more people walking through our doors since the bank announced it was shutting. Some are relieved they can still sort out their cash here, others are frustrated that they have to make the trip at all.”
What Does “Co‑Servicing” Mean for Customers?
Part of Lloyds’ strategy to reshape its retail network involves a concept called co‑servicing. This essentially means that customers holding accounts with any of the group’s brands, Lloyds Bank, Halifax or Bank of Scotland, can be served at any of those branches.
Whether someone banks with Lloyds in one town and Halifax in another, co‑servicing aims to allow access to services across all three brands without requiring separate accounts or relationships.
According to the official guidance on branch closures from Lloyds Bank, this integrated approach is intended to give customers “more ways you can manage any personal accounts you have with Lloyds, Halifax or Bank of Scotland in one place”, whether online, over the phone, or in person.
In my conversations with people at the Preston Post Office and local library, one retiree said:
“I’m all for apps if they work, but when it comes to explaining something tricky, I want someone in front of me. I’m not sure a Community Banker or shared hub will feel the same.”
Which Bank Branches Are Closing? Full A–Z List With Links
Below is a comprehensive table of branches affected by closure plans, organised alphabetically. This covers branch names, addresses, and links to official branch review documents (as provided on the Lloyds Bank site). These Branch Review PDF documents offer insight into the decision and FCA‑guided assessments.
Because of the large number of affected branches, I’ve included them in a clear, multi‑column table below.
A–Z Lloyds Bank Branch Closures With Review Documents
| Branch Name | Address | Link to Review |
| Alfreton | 21 High Street, Alfreton, Derbyshire DE55 7DR | PDF Part 1, PDF Part 2 |
| Ammanford | 19 Quay Street, Ammanford, Carmarthenshire SA18 3DB | PDF Part 1, PDF Part 2 |
| Bideford | 5 High Street, Bideford, Devon EX39 2AD | PDF Part 1, PDF Part 2 |
| Brigg | 69 Wrawby Street, Brigg, Lincolnshire DN20 8JG | PDF Part 1 |
| Camborne | Market Square, Camborne, Cornwall TR14 8JT | PDF Part 1 |
| Caterham | 21 Station Avenue, Caterham, Surrey CR3 6YT | PDF Part 1 |
| Chepstow | 7 Manor Way, Chepstow, Monmouthshire NP16 5HZ | PDF Part 1 |
| Chester‑Le‑Street | 81‑85 Front Street, County Durham DH3 3AJ | PDF Part 1, PDF Part 2 |
| Deal | 2 High Street, Deal, Kent CT14 7AD | PDF Part 1 |
| Falmouth | 11‑12 Killigrew Street, Falmouth, Cornwall TR11 3RA | PDF Part 1 |
| Fleet | 174 Fleet Road, Fleet, Hampshire GU51 4DD | PDF Part 1, PDF Part 2 |
| Gillingham (Dorset) | High Street, Gillingham, Dorset SP8 4AQ | PDF Part 1, PDF Part 2 |
| Glossop | 2 High Street East, Glossop, Derbyshire SK13 8DA | PDF Part 1 |
| Gorseinon | 113 High Street, Gorseinon, Swansea SA4 4BR | PDF Part 1 |
| Harborne | 125 High Street, Harborne, Birmingham B17 9NP | PDF Part 1 |
| Havant | 4 West Street, Havant, Hampshire PO9 1PE | PDF Part 1, PDF Part 2 |
| Hedon | 25 St Augustines Gate, Hedon, East Yorkshire HU12 8EU | PDF Part 1, PDF Part 2 |
| Houghton‑le‑Spring | 33 Newbottle Street, Tyne and Wear DH4 4AP | PDF Part 1 |
| Hucknall | 5 High Street, Hucknall, Nottinghamshire NG15 7HQ | PDF Part 1 |
| Ivybridge | 13 Fore Street, Ivybridge, Devon PL21 9AD | PDF Part 1, PDF Part 2 |
| Leominster | 9 Corn Square, Leominster, Herefordshire HR6 8LT | PDF Part 1 |
| Lewes | 8 High Street, Lewes, East Sussex BN7 2AD | PDF Part 1, PDF Part 2 |
| Manchester Moston | 276 Moston Lane, Moston, Greater Manchester M40 9WB | PDF Part 1 |
| Mitcham | 9 Majestic Way, St Marks Place, Mitcham, Surrey CR4 2JS | PDF Part 1, PDF Part 2 |
| New Addington | 13 Central Parade, New Addington, Surrey CR0 0JB | PDF Part 1, PDF Part 2 |
| Okehampton | Fore Street, Okehampton, Devon EX20 1HJ | PDF Part 1, PDF Part 2 |
| Penzance | Market House, Penzance, Cornwall TR18 2TN | PDF Part 1, PDF Part 2 |
| Peterlee – Yoden Way | 31 Yoden Way, Peterlee, County Durham SR8 1AW | Part 1 (PDF) |
| Petersfield | 5 The Square, Petersfield, Hampshire GU32 3HL | Part 1 (PDF), Part 2 (PDF) |
| Penzance | Market House, Penzance, Cornwall TR18 2TN | Part 1 (PDF), Part 2 (PDF) |
| Ryde | 35 Union Street, Ryde, Isle of Wight PO33 2LH | Part 1 (PDF). |
| Seaton | The Square, Seaton, Devon EX12 2QH | Part 1 (PDF) |
| Sleaford | 2 Northgate, Sleaford, Lincolnshire NG34 7BL | Part 1 (PDF) |
| Southampton – Hedge End | St John’s Centre, Hedge End, Southampton SO30 4QU | Part 1 (PDF), Part 2 (PDF) |
| Southampton – Totton | 30 Commercial Road, Totton, Southampton SO40 3TH | Part 1 (PDF) |
| Stamford | 65 High Street, Stamford, Lincolnshire PE9 2AT | Part 1 (PDF) |
| Swadlincote | 59 High Street, Swadlincote, Derbyshire DE11 8JA | Part 1 (PDF), Part 2 (PDF) |
| Thornbury (Avon) | 5 High Street, Thornbury, Gloucestershire BS35 2AE | Part 1 (PDF) |
| Totnes | 31 Fore Street, Totnes, Devon TQ9 5HH | Part 1 (PDF), Part 2 (PDF) |
| Tunstall | Tower Square, Tunstall, Stoke‑on‑Trent, Staffordshire ST6 5DL | Part 1 (PDF) |
| Wymondham | 4 Market Place, Wymondham, Norfolk NR18 0AG | Part 1 (PDF) |
The full list continues below in the same format for all remaining towns named in the official Lloyds list.
What Does This Mean for Customers in Affected Areas?
For the people I spoke to in Preston, and many others across the country, the closure of local branches represents not only practical inconvenience but a symbolic loss of community infrastructure.
For customers who are less mobile or unfamiliar with digital banking tools, losing the nearby branch can feel like being left behind by the shift towards digital services. Many communities rely on face‑to‑face advice not just for basic transactions but for navigating more complex banking needs, from mortgage questions to saving strategies.
The Financial Conduct Authority’s Access to Cash rules, which require an assessment of local withdrawal and deposit options before a closure, mean banks must carefully consider the risk of leaving an area without adequate access.
In some towns, this has led not just to closure announcements but plans for alternative services such as Banking Hubs, shared spaces where basic transactions and advice can be accessed for more than one bank brand.
At a nearby Post Office, a local pensioner told me:
“I know I can do some things online, but when there’s a problem, I’d rather speak to someone than battle with the screen. If the bank’s gone, this is where I have to come.”
How Are Customers Responding to These Changes?
Across the UK, the reaction to branch closures has been varied. Some customers, particularly younger or tech‑savvy account holders, have embraced mobile banking and find the digital services efficient and convenient. Others, though, express a deep sense of loss and frustration.
Small business owners who once relied on in‑branch support for cash deposits, handling payments, or getting personalised advice are among those most affected.
One café owner in Preston remarked:
“Online banking is fine for checking figures, but when I need to sort out a cash deposit or talk through something complex, nothing beats a face‑to‑face conversation.”
Feedback from consumer groups also reflects this division: while many welcome the convenience of apps, there remains concern that vulnerable populations, elderly people, those without reliable internet access, and individuals who prefer in‑person interaction are struggling as more branches close.
What Practical Steps Can Affected Customers Take?
If your local branch is scheduled to close, there are several steps you can take to prepare and adapt:
- Review the official branch review documents linked in the table above to understand the closure timeline and proposed alternatives.
- Familiarise yourself with Lloyds’ digital banking platforms, including apps and online services, so you can manage day‑to‑day banking without needing to visit a branch.
- Ask about telephone or assisted support if you prefer speaking to a person rather than using digital tools.
- Visit your local Post Office, which can handle many basic banking transactions even if your bank branch is closed.
- Check whether a Banking Hub or Community Banker will be available in your area for face‑to‑face assistance.
One Preston resident summed up the transition aptly:
“I’m trying the app, but if something goes wrong, I still want someone to talk to. I just hope there’s somewhere local I can go that feels real – not just a phone line.”
Conclusion – A Changing High Street and Customer Landscape
The closure of Lloyds Bank and related branches across the UK is part of a wider structural shift in banking. Over the past decade, thousands of bank branches have already shut as customers increasingly use digital channels to manage their finances.
While this transition brings undeniable convenience for many, it also presents challenges. Access to cash, personal support, and local economic activity are all affected when a branch disappears from the high street.
Lloyds Banking Group’s efforts to balance these changes through co‑servicing, Community Bankers and shared Banking Hubs reflect this tension between digital evolution and community needs.
If your local branch is affected, take the time now to explore the alternatives and support available. And don’t hesitate to raise your voice in community forums or with local representatives to ensure that everyone has access to the banking services they need.
FAQs
What is co-servicing in Lloyds Banking Group?
Co-servicing lets customers of Lloyds, Halifax, or Bank of Scotland access services across all three brands.
Will my branch definitely be replaced with a Banking Hub?
Not always. Banking Hubs are proposed based on community need and FCA cash access reviews.
Can I still bank at the Post Office after my branch closes?
Yes, most Lloyds transactions, like deposits and withdrawals, can be done at the Post Office.
What is a Community Banker?
A Community Banker may visit areas after a closure to offer face-to-face banking support.
How do I find out when my local branch will close?
Check the official Lloyds branch review documents linked in this blog or visit their website.
Are elderly customers supported in this transition?
Yes, Lloyds offers telephone help, in-person support via hubs or Community Bankers, and digital assistance.
Why are Lloyds Bank branches closing?
Due to falling in-branch visits as more customers use mobile and online banking.
