Santander
More UK towns lose local bank access as Santander replaces branches with digital and community hubs X / IBTimes UK @IBTimesUK

For many people, the local bank is part of everyday life. It is where wages are paid in, savings are discussed, and small problems are solved face to face. Staff know regular customers. Conversations feel personal. That experience is becoming less common.

Santander has confirmed it will shut 44 of its UK bank branches, putting 291 jobs at risk as part of its network overhaul. Less than a year ago, Santander closed 95 branches in the UK, affecting around 750 workers.

The bank is reducing the number of full-service branches and increasing investment in digital services, while maintaining some in-person support through new formats such as Santander Locals and banking hubs.

Why the Bank Is Closing Sites

Santander states that approximately 96 per cent of all transactions are now completed online or via mobile apps, reflecting the shift towards digital banking. Cash use has declined significantly, and fewer people visit branches for everyday services.

The bank explains that closures will be compensated for by 'community bankers' operating from Santander Locals or shared banking hubs, providing face-to-face support in affected communities. These smaller facilities aim to maintain support while reducing costs. However, the closure of full-service branches is expected to have a noticeable impact on some communities, especially where in-person banking remains important.

Communities Feel the Impact

Older residents, small businesses, and individuals without reliable internet access may face difficulties. In smaller towns, the bank often acts as an anchor on the high street. When it closes, footfall can decline, affecting local economies.

Campaigners argue that access to cash and face-to-face assistance remains vital. In particular, vulnerable groups and older residents may find the transition challenging. Santander acknowledges these concerns but states that it must respond to long-term trends.

Full List of Santander Branch Closures

April 28, 2026

• Berwick upon Tweed, Northumberland
• Boston, Lincolnshire
• Evesham, Worcestershire
• Mold, Clwyd
• Ramsgate, Kent
• Woking, Surrey

April 29, 2026

• Bangor, County Down
• Bridgwater, Somerset
• Kirkintilloch, Lanarkshire
• Melton Mowbray, Leicestershire
• Newbury, Berkshire
• Scunthorpe, North Lincolnshire
• Tonbridge, Kent

May 5, 2026

• Bishop Auckland, County Durham
• Gosport, Hampshire
• Haverfordwest, Pembrokeshire
• Huntingdon, Cambridgeshire
• Pontefract, West Yorkshire
• Welwyn Garden City, Hertfordshire

May 6, 2026

• Glengormley, County Antrim
• Leyland, Lancashire
• Mansfield, Nottinghamshire
• Merthyr Tydfil, Mid Glamorgan
• Northallerton, North Yorkshire
• Ringwood, Hampshire

May 12, 2026

• Andover, Hampshire
• Bridgend, Mid Glamorgan
• Enniskillen, County Fermanagh
• Macclesfield, Cheshire
• Stratford upon Avon, Warwickshire

May 13, 2026

• Cwmbran, Gwent
• Golders Green, London
• Heswall, Merseyside
• Redditch, Worcestershire
• Stranraer, Wigtownshire

May 19, 2026

• Newton Abbot, Devon
• Stafford, Staffordshire
• Banbridge, County Down

May 20, 2026

• Liskeard, Cornwall
• Shirley, West Midlands

By January 2027

• Leighton Buzzard, Bedfordshire
• Ormskirk, Lancashire
• Whitehaven, Cumbria
• Wilmslow, Cheshire

A Wider Industry Pattern

Santander is not alone in cutting branches. Lloyds Banking Group plans to close 71 sites across Lloyds, Halifax, and Bank of Scotland, with several closures already implemented this year. The driving force remains the same: the continuous growth of digital banking.

The Future of Local Banking

For many customers, mobile apps offer quick, convenient access to banking services. However, for others, nothing replaces a personal conversation across a desk. Banks now face a delicate balance between efficiency and accessibility. As these 44 branches prepare to close, another chapter of Britain's high street is quietly coming to an end.