Access to cash coverage in the UK 2021 Q1

Data Published: 23/07/2021 Last updated: 23/07/2021

We provide an overview of geographical cash access coverage in the UK at the end of the first quarter of 2021. This is the first in a series of regular updates that will monitor coverage over time.

We, together with the Payment Systems Regulator (PSR), gathered data on cash access point locations and other access characteristics, including temporary closures, opening hours, and accessibility, for brick-and-mortar and mobile bank and building society branches, automated teller machines (ATMs), and the Post Office network. This analysis provides insights on the proportion of the population within a range of distances of certain types of cash access points measured from where people live.

We estimate that for access to any bank, building society, or Post Office branch, or any ATM (either free or pay-to-use):

  • 95.6% of the UK population are currently within 2km of a cash access point
  • 99.7% of the UK population are currently within 5km of a cash access point

For free-to-use access points only:

  • 95.4% of the UK population are currently within 2km of a cash access point
  • 99.7% of the UK population are currently within 5km of a cash access point

Our analysis of other access characteristics finds that:

  • About 14% of larger personal current account (PCA) providers, that is, larger banks and building societies which offer PCA, and 10% of other bank and building society branches were temporarily closed for 1 day or more during the first quarter of 2021.
  • At the end of the first quarter of 2021, the vast majority of bank and building society branches were operating on reduced hours compared to February 2020.
  • Of the brick-and-mortar bank and building society branches, 63% of larger PCA providers and 55% of other branches are wheelchair accessible, have step-free access, and have a hearing/induction loop. Excluding the branches for which some values are unknown as data was not provided, these percentages are 87% and 80% respectively.

1. Coverage

The data comprise 72,055 known UK cash access points. Table 1 shows the total counts (see notes 1 and 2) by region for 7 types of access points:

  • Types A and B are brick-and-mortar bank and building society branches subdivided into larger PCA providers and all other banks and building societies. The main distinction between types A and B is substitutability. Type B branches may not offer comparable deposit or withdrawal services compared to branches serving PCA customers (for example, a building society specialising in mortgages or offering savings accounts with some access limitations) or may only be used by a specialised group of consumers (for example, a bank with a single branch specialising in providing services to a specific expatriate community). Mobile bank branches (measured by stops) are a separate type (D).
  • Post Office branches are subdivided into mobile / outreach branches (type E) and all other Post Office branches (type C). The outreach branches are brick-and-mortar but are more similar to mobile branches in that they are typically open for a small number of hours and/or on selected days of the week. For example, these include limited time to serve access points in community buildings in rural locations. For this reason, the mobile and outreach branches are grouped together.
  • ATMs are subdivided into free-to-use (type F) and pay-to-use (type G).

Table 1: Number of cash access points by type and region

Country/ region England Northern Ireland Scotland Wales UK Total
Type Description East Midlands East of England London North East North West South East South West West Midlands Yorkshire and The Humber
A Larger banks and building societies providing PCA (brick-and-mortar branches) 364 539 853 209 583 859 520 466 407 184 572 310 5866
B All other banks and building societies (brick-and-mortar branches)  99 68 55 49 103 69 76 132 99 33 47 91 921
C Post Office branches excluding mobile/ outreach  718 948 657 401 960 1213 985 788 796 454 1077 700 9697
D Mobile bank branches 25 25 1 27 53 87 10 9 13 477 83 810
E Mobile/ outreach Post Office branches 143 179 97 125 135 268 103 130 42 247 238 1707
F Free-to-use ATMs 2868 3394 5754 1780 4547 5159 3158 3439 3466 1434 3984 1919 40902
G Pay-to-use ATMs 733 874 1923 645 1533 1211 763 1383 922 349 1163 653 12152
All 4950 6027 9242 3182 7878 8699 5857 6321 5829 2509 7567 3994 72055

Download Table 1 (XLSX)

We have analysed coverage for 9 groups of cash access points which are defined in Table 2. The groups are constructed by combining the cash access point types. Group 1 includes type A (larger banks and building societies providing PCA) access points only. Group 2 adds the non-mobile/outreach Post Office network. Group 3 includes all brick-and-mortar (except type B) and mobile/outreach bank, building society, and Post Office branches, thus representing locations where customers can access banking services beyond cash withdrawals or deposits. Groups 4 and 5 include the same cash access point types as Group 3, as well as all free-to-use ATMs and all ATMs respectively. Due to substitutability, as outlined above, type B branches are only included in groups 6 and 7, which cover all free-to-use access points and all access points respectively. Group 7 includes all 72,055 known cash access points. Groups 8 and 9 focus specifically on access to ATMs.

Table 2: Groupings of cash access points

Group  Description  Cash access point types included  Number of entries 
Larger banks and building societies providing PCA: brick-and-mortar branches              5866
Larger banks and building societies providing PCA and Post Office: brick-and-mortar branches           15563
Larger banks and building societies providing PCA, and Post Office: all branches, including mobile       18080
Post Office, larger banks and building societies providing PCA (all branches), and free-to-use ATMs     58982
Post Office, larger banks and building societies providing PCA (all branches), and all ATMs   71134
All free-to-use cash access points   59903
All cash access points 72055
Free-to-use ATMs             40902
All ATMs           53054

Estimated percentages of the UK population living within a given distance from a cash access point are shown in Table 3. The estimates are given for the UK regions separately, as well as for England and the UK overall. Estimates for rural and urban areas are also given (see note 3).

The distances considered are 1, 2, 5, 8, and 16 km (approximately 0.6, 1.2, 3, 5, and 10 miles, respectively). Throughout, distances are measured as the crow flies (see notes 4, 5, 6, and 7). Measuring as the crow flies is consistent with the approaches adopted by LINK and the Post Office. 

Table 3: Percentages of the UK population that have access to a source of cash within a given distance as of Q1 2021 (Groups 1-9)

G1

Group 1: Larger banks and building societies providing PCA: brick-and-mortar branches

Geographic area

Rural / Urban

Population, 000's

Distance 1km

Distance 2km

Distance 5km

Distance 8km

Distance 16km

East Midlands

Rural

1286.7

5.5

9.6

38.7

74.2

99.7

East Midlands

Urban

3549.3

33.4

70.3

97.2

99.5

99.7

East Midlands

Overall

4835.9

26

54.1

81.6

92.8

99.7

East of England

Rural

1798.6

5.9

10.4

42.6

76

99.9

East of England

Urban

4437.5

31.3

68.2

98.1

99.6

100

East of England

Overall

6236.1

24

51.6

82.1

92.8

100

London

Rural

16.6

1

18.2

99.4

100

100

London

Urban

8945.3

56.7

92.4

100

100

100

London

Overall

8962

56.6

92.3

100

100

100

North East

Rural

491.9

8.4

14.3

64.7

87.8

98.2

North East

Urban

2178.1

26.9

63.1

99.5

100

100

North East

Overall

2669.9

23.5

54.1

93.1

97.8

99.7

North West

Rural

769.5

9.7

17.8

59.5

84.4

99.4

North West

Urban

6571.6

29.8

69.9

98

100

100

North West

Overall

7341.2

27.6

64.5

94

98.3

99.9

South East

Rural

1875.2

5.5

10.6

52.1

85.7

100

South East

Urban

7304.9

31.4

67.9

98

99.9

100

South East

Overall

9180.1

26.1

56.2

88.6

97

100

South West

Rural

1788

8.8

15

44.1

74.5

99.2

South West

Urban

3836.7

37.9

75

98

99.9

100

South West

Overall

5624.7

28.7

55.9

80.8

91.8

99.8

West Midlands

Rural

899.9

6.2

10

44.6

80.8

99.4

West Midlands

Urban

5034.1

32.8

75.3

99

100

100

West Midlands

Overall

5934

28.7

65.4

90.7

97.1

99.9

Yorkshire and The Humber

Rural

953.5

7.2

11.7

46.6

76.9

98.5

Yorkshire and The Humber

Urban

4549.5

28.8

64.9

97

99.4

100

Yorkshire and The Humber

Overall

5503

25.1

55.7

88.3

95.5

99.7

England overall

Rural

9880

6.9

12

47.2

79.1

99.5

England overall

Urban

46407

36.4

74

98.4

99.8

100

England overall

Overall

56287

31.2

63.1

89.4

96.2

99.9

Northern Ireland

Rural

707.3

2.7

5.8

30.6

60.5

95.8

Northern Ireland

Urban

1186.4

36.5

75.1

96.3

99.6

100

Northern Ireland

Overall

1893.7

23.9

49.2

71.7

85

98.4

Scotland

Rural

967.6

4.9

8

35

60.5

91.3

Scotland

Urban

4495.7

38.4

72.8

94.9

98.8

100

Scotland

Overall

5463.3

32.5

61.4

84.3

92

98.5

Wales

Rural

1025.3

6.7

11.4

42.4

70.1

92.5

Wales

Urban

2127.6

30.3

62.8

96.3

99.9

100

Wales

Overall

3152.9

22.6

46.1

78.8

90.2

97.6

UK overall

Rural

12580.2

6.5

11.3

45

75.9

98.1

UK overall

Urban

54216.7

36.3

73.5

98

99.7

100

UK overall

Overall

66796.8

30.7

61.8

88

95.3

99.6

G2

Group 2: Larger banks and building societies providing PCA and Post Office: brick-and-mortar branches

Geographic area

Rural / Urban

Population, 000's

Distance 1km

Distance 2km

Distance 5km

Distance 8km

Distance 16km

East Midlands

Rural

1286.7

43.2

66.8

94.5

99.5

100

East Midlands

Urban

3549.3

80.4

98.5

100

100

100

East Midlands

Overall

4835.9

70.5

90.1

98.5

99.9

100

East of England

Rural

1798.6

42.9

66.9

97.2

99.9

100

East of England

Urban

4437.5

79.3

98.2

100

100

100

East of England

Overall

6236.1

68.8

89.1

99.2

100

100

London

Rural

16.6

44.6

79.1

100

100

100

London

Urban

8945.3

93.5

99.9

100

100

100

London

Overall

8962

93.4

99.9

100

100

100

North East

Rural

491.9

55.6

76.6

95.3

99.2

100

North East

Urban

2178.1

83.5

99.3

100

100

100

North East

Overall

2669.9

78.4

95.1

99.1

99.9

100

North West

Rural

769.5

41.8

66.3

95.3

99.3

100

North West

Urban

6571.6

84.3

99

100

100

100

North West

Overall

7341.2

79.8

95.6

99.5

99.9

100

South East

Rural

1875.2

40.6

67.5

98.5

100

100

South East

Urban

7304.9

77.8

98.1

100

100

100

South East

Overall

9180.1

70.2

91.8

99.7

100

100

South West

Rural

1788

40.4

63.5

95.6

99.8

100

South West

Urban

3836.7

80.2

98

100

100

100

South West

Overall

5624.7

67.5

87

98.6

99.9

100

West Midlands

Rural

899.9

35.4

59.1

94.9

99.9

100

West Midlands

Urban

5034.1

85

99.2

100

100

100

West Midlands

Overall

5934

77.4

93.1

99.2

100

100

Yorkshire and The Humber

Rural

953.5

45.4

67.3

93.9

98.9

100

Yorkshire and The Humber

Urban

4549.5

82.2

98.5

100

100

100

Yorkshire and The Humber

Overall

5503

75.8

93.1

98.9

99.8

100

England overall

Rural

9880

42.2

66.2

96

99.7

100

England overall

Urban

46407

83.8

98.8

100

100

100

England overall

Overall

56287

76.5

93.1

99.3

99.9

100

Northern Ireland

Rural

707.3

24.4

48.6

92.4

99.5

100

Northern Ireland

Urban

1186.4

78.4

97.2

100

100

100

Northern Ireland

Overall

1893.7

58.2

79

97.2

99.8

100

Scotland

Rural

967.6

35.5

48

78.9

94.2

99.7

Scotland

Urban

4495.7

82

98.1

99.8

100

100

Scotland

Overall

5463.3

73.7

89.2

96.1

99

99.9

Wales

Rural

1025.3

44.4

66.2

92.7

98.7

100

Wales

Urban

2127.6

80

97.6

100

100

100

Wales

Overall

3152.9

68.5

87.4

97.6

99.6

100

UK overall

Rural

12580.2

40.8

63.8

94.3

99.2

100

UK overall

Urban

54216.7

83.4

98.7

100

100

100

UK overall

Overall

66796.8

75.3

92.1

98.9

99.8

100

G3

Group 3: Larger banks and building societies providing PCA and Post Office: all branches, including mobile

Geographic area

Rural / Urban

Population, 000's

Distance 1km

Distance 2km

Distance 5km

Distance 8km

Distance 16km

East Midlands

Rural

1286.7

48.3

73.6

98.4

100

100

East Midlands

Urban

3549.3

80.7

98.7

100

100

100

East Midlands

Overall

4835.9

72

92

99.6

100

100

East of England

Rural

1798.6

48.3

74.6

99

100

100

East of England

Urban

4437.5

79.5

98.2

100

100

100

East of England

Overall

6236.1

70.5

91.4

99.7

100

100

London

Rural

16.6

44.6

79.1

100

100

100

London

Urban

8945.3

93.5

99.9

100

100

100

London

Overall

8962

93.4

99.9

100

100

100

North East

Rural

491.9

65.1

86.1

98.6

99.8

100

North East

Urban

2178.1

84.3

99.4

100

100

100

North East

Overall

2669.9

80.8

97

99.7

100

100

North West

Rural

769.5

47.5

75

98.4

99.8

100

North West

Urban

6571.6

84.5

99.2

100

100

100

North West

Overall

7341.2

80.7

96.6

99.8

100

100

South East

Rural

1875.2

45.1

73.4

99.6

100

100

South East

Urban

7304.9

78.2

98.3

100

100

100

South East

Overall

9180.1

71.5

93.3

99.9

100

100

South West

Rural

1788

46.8

73.7

99

100

100

South West

Urban

3836.7

81

98.2

100

100

100

South West

Overall

5624.7

70.1

90.5

99.7

100

100

West Midlands

Rural

899.9

41.7

68.3

98.1

100

100

West Midlands

Urban

5034.1

85.2

99.3

100

100

100

West Midlands

Overall

5934

78.6

94.6

99.7

100

100

Yorkshire and The Humber

Rural

953.5

50.2

74.8

97.9

99.7

100

Yorkshire and The Humber

Urban

4549.5

82.5

98.8

100

100

100

Yorkshire and The Humber

Overall

5503

76.9

94.7

99.6

100

100

England overall

Rural

9880

47.8

74.1

98.8

99.9

100

England overall

Urban

46407

84.1

99

100

100

100

England overall

Overall

56287

77.7

94.6

99.8

100

100

Northern Ireland

Rural

707.3

25.6

51.9

94.9

99.9

100

Northern Ireland

Overall

1893.7

58.8

80.3

98.1

100

100

Northern Ireland

Urban

1186.4

78.5

97.2

100

100

100

Scotland

Rural

967.6

46.4

61.6

90.3

97.7

99.8

Scotland

Urban

4495.7

83.4

99

100

100

100

Scotland

Overall

5463.3

76.8

92.4

98.3

99.6

100

Wales

Rural

1025.3

50.9

75

97.5

99.7

100

Wales

Urban

2127.6

82.4

98.4

100

100

100

Wales

Overall

3152.9

72.1

90.8

99.2

99.9

100

UK overall

Rural

12580.2

46.7

72

97.8

99.7

100

UK overall

Urban

54216.7

83.8

98.9

100

100

100

UK overall

Overall

66796.8

76.8

93.9

99.6

100

100

G4

Group 4: Post Office, larger banks and building societies providing PCA (all branches) and free-to-use ATMs

Geographic area

Rural / Urban

Population, 000's

Distance 1km

Distance 2km

Distance 5km

Distance 8km

Distance 16km

East Midlands

Rural

1286.7

55.5

79

98.9

100

100

East Midlands

Urban

3549.3

94.6

99.6

100

100

100

East Midlands

Overall

4835.9

84.2

94.1

99.7

100

100

East of England

Rural

1798.6

54.2

78.5

99.3

100

100

East of England

Urban

4437.5

93.5

99.4

100

100

100

East of England

Overall

6236.1

82.1

93.4

99.8

100

100

London

Rural

16.6

54.3

86.5

100

100

100

London

Urban

8945.3

99.1

100

100

100

100

London

Overall

8962

99

100

100

100

100

North East

Rural

491.9

71.2

88.2

98.7

99.8

100

North East

Urban

2178.1

96.2

99.8

100

100

100

North East

Overall

2669.9

91.6

97.6

99.8

100

100

North West

Rural

769.5

53.9

79.3

98.5

99.8

100

North West

Urban

6571.6

95.5

99.7

100

100

100

North West

Overall

7341.2

91.1

97.6

99.8

100

100

South East

Rural

1875.2

53

80.1

99.7

100

100

South East

Urban

7304.9

93.6

99.6

100

100

100

South East

Overall

9180.1

85.3

95.6

99.9

100

100

South West

Rural

1788

53.5

78.1

99.3

100

100

South West

Urban

3836.7

94.5

99.6

100

100

100

South West

Overall

5624.7

81.5

92.8

99.8

100

100

West Midlands

Rural

899.9

49.3

74.1

98.7

100

100

West Midlands

Urban

5034.1

96.2

99.8

100

100

100

West Midlands

Overall

5934

89.1

95.9

99.8

100

100

Yorkshire and The Humber

Rural

953.5

56.9

79

98.4

99.7

100

Yorkshire and The Humber

Urban

4549.5

94.7

99.6

100

100

100

Yorkshire and The Humber

Overall

5503

88.2

96.1

99.7

100

100

England overall

Rural

9880

54.6

79

99.1

99.9

100

England overall

Urban

46407

95.6

99.7

100

100

100

England overall

Overall

56287

88.4

96.1

99.8

100

100

Northern Ireland

Rural

707.3

29.3

56.9

96.6

99.9

100

Northern Ireland

Urban

1186.4

90.1

98.9

100

100

100

Northern Ireland

Overall

1893.7

67.4

83.2

98.7

100

100

Scotland

Rural

967.6

51

65.6

91.3

97.8

99.8

Scotland

Urban

4495.7

96.3

99.9

100

100

100

Scotland

Overall

5463.3

88.2

93.8

98.5

99.6

100

Wales

Rural

1025.3

55

77.4

97.7

99.7

100

Wales

Urban

2127.6

91.8

99.4

100

100

100

Wales

Overall

3152.9

79.8

92.3

99.2

99.9

100

UK overall

Rural

12580.2

53

76.6

98.2

99.8

100

UK overall

Urban

54216.7

95.4

99.7

100

100

100

UK overall

Overall

66796.8

87.4

95.3

99.7

100

100

G5

Group 5: Post Office, larger banks and building societies providing PCA (all branches) and all ATMs

Geographic area

Rural / Urban

Population, 000's

Distance 1km

Distance 2km

Distance 5km

Distance 8km

Distance 16km

East Midlands

Rural

1286.7

56.9

79.8

99

100

100

East Midlands

Urban

3549.3

95.8

99.7

100

100

100

East Midlands

Overall

4835.9

85.5

94.4

99.7

100

100

East of England

Rural

1798.6

56.1

79.9

99.4

100

100

East of England

Urban

4437.5

94.9

99.6

100

100

100

East of England

Overall

6236.1

83.7

93.9

99.8

100

100

London

Rural

16.6

58.2

89

100

100

100

London

Urban

8945.3

99.5

100

100

100

100

London

Overall

8962

99.5

100

100

100

100

North East

Rural

491.9

73.2

88.9

98.8

99.8

100

North East

Urban

2178.1

97.6

99.8

100

100

100

North East

Overall

2669.9

93.1

97.8

99.8

100

100

North West

Rural

769.5

55.7

80.4

98.7

99.8

100

North West

Urban

6571.6

97

99.8

100

100

100

North West

Overall

7341.2

92.7

97.7

99.9

100

100

South East

Rural

1875.2

55.4

81.6

99.7

100

100

South East

Urban

7304.9

94.9

99.7

100

100

100

South East

Overall

9180.1

86.9

96

99.9

100

100

South West

Rural

1788

54.9

79.4

99.4

100

100

South West

Urban

3836.7

95.8

99.7

100

100

100

South West

Overall

5624.7

82.8

93.3

99.8

100

100

West Midlands

Rural

899.9

50.8

75.5

98.8

100

100

West Midlands

Urban

5034.1

97.6

99.9

100

100

100

West Midlands

Overall

5934

90.5

96.2

99.8

100

100

Yorkshire and The Humber

Rural

953.5

58.5

80.3

98.5

99.7

100

Yorkshire and The Humber

Urban

4549.5

96.2

99.8

100

100

100

Yorkshire and The Humber

Overall

5503

89.7

96.4

99.7

100

100

England overall

Rural

9880

56.4

80.3

99.2

99.9

100

England overall

Urban

46407

96.8

99.8

100

100

100

England overall

Overall

56287

89.7

96.4

99.9

100

100

Northern Ireland

Rural

707.3

29.9

57.6

96.8

99.9

100

Northern Ireland

Urban

1186.4

91.4

99

100

100

100

Northern Ireland

Overall

1893.7

68.4

83.5

98.8

100

100

Scotland

Rural

967.6

51.9

66.3

91.4

97.8

99.8

Scotland

Urban

4495.7

97.5

99.9

100

100

100

Scotland

Overall

5463.3

89.4

93.9

98.5

99.6

100

Wales

Rural

1025.3

56.9

78.7

97.7

99.7

100

Wales

Urban

2127.6

94.2

99.6

100

100

100

Wales

Overall

3152.9

82.1

92.8

99.3

99.9

100

UK overall

Rural

12580.2

54.6

77.8

98.3

99.8

100

UK overall

Urban

54216.7

96.6

99.8

100

100

100

UK overall

Overall

66796.8

88.7

95.6

99.7

100

100

G6

Group 6: All free-to-use cash access points

Geographic area

Rural / Urban

Population, 000's

Distance 1km

Distance 2km

Distance 5km

Distance 8km

Distance 16km

East Midlands

Rural

1286.7

55.5

79

98.9

100

100

East Midlands

Urban

3549.3

94.6

99.6

100

100

100

East Midlands

Overall

4835.9

84.2

94.1

99.7

100

100

East of England

Rural

1798.6

54.4

78.6

99.3

100

100

East of England

Urban

4437.5

93.5

99.4

100

100

100

East of England

Overall

6236.1

82.2

93.4

99.8

100

100

London

Rural

16.6

54.3

86.5

100

100

100

London

Urban

8945.3

99.1

100

100

100

100

London

Overall

8962

99

100

100

100

100

North East

Rural

491.9

71.2

88.2

98.7

99.8

100

North East

Urban

2178.1

96.2

99.8

100

100

100

North East

Overall

2669.9

91.6

97.6

99.8

100

100

North West

Rural

769.5

53.9

79.3

98.5

99.8

100

North West

Urban

6571.6

95.5

99.7

100

100

100

North West

Overall

7341.2

91.1

97.6

99.8

100

100

South East

Rural

1875.2

53

80.1

99.7

100

100

South East

Urban

7304.9

93.6

99.6

100

100

100

South East

Overall

9180.1

85.3

95.6

99.9

100

100

South West

Rural

1788

53.5

78.1

99.3

100

100

South West

Urban

3836.7

94.5

99.6

100

100

100

South West

Overall

5624.7

81.5

92.8

99.8

100

100

West Midlands

Rural

899.9

49.3

74.1

98.7

100

100

West Midlands

Urban

5034.1

96.2

99.8

100

100

100

West Midlands

Overall

5934

89.1

95.9

99.8

100

100

Yorkshire and The Humber

Rural

953.5

56.9

79

98.4

99.7

100

Yorkshire and The Humber

Urban

4549.5

94.7

99.6

100

100

100

Yorkshire and The Humber

Overall

5503

88.2

96.1

99.7

100

100

England overall

Rural

9880

54.7

79

99.1

99.9

100

England overall

Urban

46407

95.6

99.7

100

100

100

England overall

Overall

56287

88.4

96.1

99.8

100

100

Northern Ireland

Rural

707.3

29.3

56.9

96.6

99.9

100

Northern Ireland

Urban

1186.4

90.1

98.9

100

100

100

Northern Ireland

Overall

1893.7

67.4

83.2

98.7

100

100

Scotland

Rural

967.6

51

65.6

91.3

97.8

99.8

Scotland

Overall

5463.3

88.2

93.8

98.5

99.6

100

Scotland

Urban

4495.7

96.3

99.9

100

100

100

Wales

Rural

1025.3

55.1

77.5

97.7

99.7

100

Wales

Urban

2127.6

91.8

99.4

100

100

100

Wales

Overall

3152.9

79.8

92.3

99.2

99.9

100

UK overall

Rural

12580.2

53

76.6

98.2

99.8

100

UK overall

Urban

54216.7

95.4

99.7

100

100

100

UK overall

Overall

66796.8

87.4

95.4

99.7

100

100

G7

Group 7: All cash access points

Geographic area

Rural / Urban

Population, 000's

Distance 1km

Distance 2km

Distance 5km

Distance 8km

Distance 16km

East Midlands

Rural

1286.7

57

79.8

99

100

100

East Midlands

Urban

3549.3

95.8

99.7

100

100

100

East Midlands

Overall

4835.9

85.5

94.4

99.7

100

100

East of England

Rural

1798.6

56.3

79.9

99.4

100

100

East of England

Urban

4437.5

94.9

99.6

100

100

100

East of England

Overall

6236.1

83.8

93.9

99.8

100

100

London

Rural

16.6

58.2

89

100

100

100

London

Urban

8945.3

99.5

100

100

100

100

London

Overall

8962

99.5

100

100

100

100

North East

Rural

491.9

73.2

88.9

98.8

99.8

100

North East

Urban

2178.1

97.6

99.8

100

100

100

North East

Overall

2669.9

93.1

97.8

99.8

100

100

North West

Rural

769.5

55.7

80.4

98.7

99.8

100

North West

Urban

6571.6

97

99.8

100

100

100

North West

Overall

7341.2

92.7

97.7

99.9

100

100

South East

Rural

1875.2

55.4

81.6

99.7

100

100

South East

Urban

7304.9

94.9

99.7

100

100

100

South East

Overall

9180.1

86.9

96

99.9

100

100

South West

Rural

1788

54.9

79.4

99.4

100

100

South West

Urban

3836.7

95.8

99.7

100

100

100

South West

Overall

5624.7

82.8

93.3

99.8

100

100

West Midlands

Rural

899.9

50.8

75.5

98.8

100

100

West Midlands

Urban

5034.1

97.6

99.9

100

100

100

West Midlands

Overall

5934

90.5

96.2

99.8

100

100

Yorkshire and The Humber

Rural

953.5

58.5

80.3

98.5

99.7

100

Yorkshire and The Humber

Urban

4549.5

96.2

99.8

100

100

100

Yorkshire and The Humber

Overall

5503

89.7

96.4

99.7

100

100

England overall

Rural

9880

56.5

80.3

99.2

99.9

100

England overall

Urban

46407

96.8

99.8

100

100

100

England overall

Overall

56287

89.7

96.4

99.9

100

100

Northern Ireland

Rural

707.3

29.9

57.6

96.8

99.9

100

Northern Ireland

Urban

1186.4

91.4

99

100

100

100

Northern Ireland

Overall

1893.7

68.4

83.5

98.8

100

100

Scotland

Rural

967.6

51.9

66.3

91.4

97.8

99.8

Scotland

Urban

4495.7

97.5

99.9

100

100

100

Scotland

Overall

5463.3

89.4

93.9

98.5

99.6

100

Wales

Rural

1025.3

56.9

78.7

97.7

99.7

100

Wales

Urban

2127.6

94.2

99.6

100

100

100

Wales

Overall

3152.9

82.1

92.8

99.3

99.9

100

UK overall

Rural

12580.2

54.7

77.8

98.3

99.8

100

UK overall

Urban

54216.7

96.6

99.8

100

100

100

UK overall

Overall

66796.8

88.7

95.6

99.7

100

100

G8

Group 8: Free-to-use ATMs

Geographic area

Rural / Urban

Population, 000's

Distance 1km

Distance 2km

Distance 5km

Distance 8km

Distance 16km

East Midlands

Rural

1286.7

42.2

61.8

90.3

98.5

100

East Midlands

Urban

3549.3

92.2

99.1

100

100

100

East Midlands

Overall

4835.9

78.9

89.1

97.4

99.6

100

East of England

Rural

1798.6

38.2

56.2

89.3

98.9

100

East of England

Urban

4437.5

90.8

98.9

100

100

100

East of England

Overall

6236.1

75.6

86.6

96.9

99.7

100

London

Rural

16.6

52.7

84.4

100

100

100

London

Urban

8945.3

98.5

100

100

100

100

London

Overall

8962

98.4

99.9

100

100

100

North East

Rural

491.9

58

76.5

92.7

97.2

99.8

North East

Urban

2178.1

93.9

99.6

100

100

100

North East

Overall

2669.9

87.3

95.4

98.7

99.5

100

North West

Rural

769.5

41.4

63.8

92.2

97.8

100

North West

Urban

6571.6

93.1

99.5

100

100

100

North West

Overall

7341.2

87.7

95.8

99.2

99.8

100

South East

Rural

1875.2

35.3

57.7

92.8

99.7

100

South East

Urban

7304.9

90.5

98.9

100

100

100

South East

Overall

9180.1

79.2

90.5

98.5

99.9

100

South West

Rural

1788

35.3

52.3

86.9

97.5

100

South West

Urban

3836.7

91.6

99.3

100

100

100

South West

Overall

5624.7

73.7

84.3

95.8

99.2

100

West Midlands

Rural

899.9

34.3

52.3

85.4

97.4

100

West Midlands

Urban

5034.1

94.3

99.6

100

100

100

West Midlands

Overall

5934

85.2

92.4

97.8

99.6

100

Yorkshire and The Humber

Rural

953.5

42.5

61.6

87.8

97.1

100

Yorkshire and The Humber

Urban

4549.5

92.2

99.4

100

100

100

Yorkshire and The Humber

Overall

5503

83.6

92.8

97.9

99.5

100

England overall

Rural

9880

39

58.3

89.6

98.3

100

England overall

Urban

46407

93.4

99.4

100

100

100

England overall

Overall

56287

83.8

92.2

98.2

99.7

100

Northern Ireland

Rural

707.3

25.1

46.8

89.2

98.7

100

Northern Ireland

Urban

1186.4

88.9

98.7

99.9

100

100

Northern Ireland

Overall

1893.7

65

79.3

95.9

99.5

100

Scotland

Rural

967.6

32.5

44.2

71.7

85.8

96.2

Scotland

Urban

4495.7

94.8

99.8

100

100

100

Scotland

Overall

5463.3

83.8

89.9

95

97.5

99.3

Wales

Rural

1025.3

39.7

58.4

83.9

94.7

99.9

Wales

Urban

2127.6

86.4

98.2

100

100

100

Wales

Overall

3152.9

71.2

85.3

94.8

98.3

100

UK overall

Rural

12580.2

37.7

56.6

87.7

97.1

99.7

UK overall

Urban

54216.7

93.1

99.4

100

100

100

UK overall

Overall

66796.8

82.7

91.3

97.7

99.4

99.9

G9

Group 9: All ATMs

Geographic area

Rural / Urban

Population, 000's

Distance 1km

Distance 2km

Distance 5km

Distance 8km

Distance 16km

East Midlands

Rural

1286.7

45.9

65.7

92.4

99.2

100

East Midlands

Urban

3549.3

94.7

99.5

100

100

100

East Midlands

Overall

4835.9

81.7

90.5

98

99.8

100

East of England

Rural

1798.6

42.7

61.3

92.6

99.4

100

East of England

Urban

4437.5

93.6

99.3

100

100

100

East of England

Overall

6236.1

78.9

88.4

97.9

99.8

100

London

Rural

16.6

57.4

87.7

100

100

100

London

Urban

8945.3

99.4

100

100

100

100

London

Overall

8962

99.3

100

100

100

100

North East

Rural

491.9

64

80.5

93.7

97.8

99.8

North East

Urban

2178.1

97.2

99.8

100

100

100

North East

Overall

2669.9

91.1

96.2

98.8

99.6

100

North West

Rural

769.5

45.8

67.9

93.1

98.2

100

North West

Urban

6571.6

96.1

99.6

100

100

100

North West

Overall

7341.2

90.9

96.3

99.3

99.8

100

South East

Rural

1875.2

41.7

64.1

95.3

99.9

100

South East

Urban

7304.9

93.2

99.3

100

100

100

South East

Overall

9180.1

82.7

92.1

99

100

100

South West

Rural

1788

40.2

59.1

91.6

98.9

100

South West

Urban

3836.7

94.2

99.5

100

100

100

South West

Overall

5624.7

77

86.7

97.3

99.7

100

West Midlands

Rural

899.9

38.9

57.5

89

98.4

100

West Midlands

Urban

5034.1

96.7

99.8

100

100

100

West Midlands

Overall

5934

87.9

93.4

98.3

99.8

100

Yorkshire and The Humber

Rural

953.5

46.7

65.9

90.4

98.1

100

Yorkshire and The Humber

Urban

4549.5

95

99.6

100

100

100

Yorkshire and The Humber

Overall

5503

86.6

93.8

98.3

99.7

100

England overall

Rural

9880

43.8

63.6

92.5

99

100

England overall

Urban

46407

95.8

99.6

100

100

100

England overall

Overall

56287

86.7

93.3

98.7

99.8

100

Northern Ireland

Rural

707.3

26.3

49.2

91.3

99

100

Northern Ireland

Urban

1186.4

90.9

98.8

99.9

100

100

Northern Ireland

Overall

1893.7

66.8

80.3

96.7

99.6

100

Scotland

Rural

967.6

38

50.1

75.9

88.5

97.4

Scotland

Urban

4495.7

96.9

99.8

100

100

100

Scotland

Overall

5463.3

86.5

91

95.7

98

99.5

Wales

Rural

1025.3

46.6

65.1

87.9

96.2

99.9

Wales

Urban

2127.6

92.1

99.3

100

100

100

Wales

Overall

3152.9

77.3

88.2

96.1

98.8

100

UK overall

Rural

12580.2

42.6

61.9

90.8

97.9

99.8

UK overall

Urban

54216.7

95.6

99.6

100

100

100

UK overall

Overall

66796.8

85.6

92.5

98.3

99.6

100

Download Table 3 data (xlsx)

Figure 1 illustrates the coverage areas underlying the population estimates in Table 3. As in Table 3, the cash access points considered are those in groups 1-9. In each case the areas shown are those that do not have access to a source of cash within 1, 2, 5, 8, or 16 km. The areas shown in white have a cash access point within 1 km or nearer. The interactive tooltips show percentages of the Local Authority District population that have access to a source of cash within the above range of distances.

Download underlying data for Figure 1 maps (XLSX)

Figure 1: Access to cash coverage in the UK in 2021 Q1

View the maps in Tableau Public 

2. Other insights

2.1. Temporary closures

About 14% of type A (larger PCA providers) and 10% of type B (other) bank and building society branches were temporarily closed for 1 day or more during the first quarter of 2021 due to coronavirus (Covid-19) and other reasons. Of branches that experienced temporary closures of 1 day or more, a typical (median) branch of type A or B has been closed for 2 and 13 days respectively, with the average number of temporary closure days being 10 and 13 respectively.

Temporary closures of mobile branches (type D) have been substantially more significant. About 87% of mobile branches experienced temporary closures with both the average and median number of temporary closure days being 11 for those branches that have been closed for 1 day or more.

We do not have equivalent information for Post Office branches.

2.2. Opening hours

While external and stand-alone ATMs are accessible at all times, in-branch cash withdrawals and deposits and other banking services are only available during branch opening hours.

At the end of the first quarter of 2021, the vast majority (about 99%) of bank and building society branches were operating on reduced hours relative to the normal opening hours (in February 2020) before the first Covid-19 lockdown.

Figure 2 shows the percentages of branches open at a given time between 7am and 7pm, Monday to Saturday (see note 8), by branch types defined in Table 1. For example, around 30% of type A (larger PCA provider) branches remain open after 2pm Monday to Friday, and around 9% after 3pm.

Figure 2 Percentages of branches open at a given time by branch type

Percentages of branches open at a given time by branch type

2.3. Accessibility

For some consumers, the use of branch services depends on accessibility features.

Table 4 shows percentages of branches which are wheelchair accessible, have step-free access, and/or have a hearing/induction loop available for the 3 types of bank and building society branches (see note 9). We do not have equivalent information for Post Office branches. The step-free access characteristic is not applicable to mobile branches.

Of the brick-and-mortar bank and building society branches, 63% of type A (larger PCA providers) and 55% of type B (other) branches possess all 3 characteristics. Excluding the branches for which some values are unreported, these percentages become 87% and 80% respectively.

Table 4: Percentages of branches with common accessibility characteristics by branch type

Accessibility characteristic Access point type A: Larger banks and building societies providing PCA (brick-and-mortar branches) B: Other banks and building societies (brick-and-mortar branches) D: Mobile bank branches
Sample Yes No Unreported Yes No Unreported Yes No Unreported
Wheelchair accessible All data 72.2 5.2 22.6 73.4 4.3 22.3 53.0 33.7 13.3
Excluding unreported 93.3 6.7 x 94.4 5.6 x 61.1 38.9 x
Has step-free access All data 68.2 3.7 28.1 64.3 6.8 28.9      
Excluding unreported 94.8 5.2 x 90.4 9.6 x      
Has hearing/ induction loop available All data 69.4 2.5 28.1 66.8 8.9 24.3 86.7 0.0 13.3
Excluding unreported 96.5 3.5 x 88.2 11.8 x 100.0 0.0 x

3. Attributions

In addition to the data collected from banks, building societies, and the Post Office, the analysis makes use of other open data and data licensed under the Public Sector Geospatial Agreement.

  • ATM data © LINK Scheme Ltd, LINK Network Members, and licensors copyright and database right 2021.
  • Contains OS data © Crown copyright and database right 2021.
  • Contains NRS data © Crown copyright and database right 2021.
  • Contains National Statistics data © Crown copyright and database rights 2021.
  • Contains Royal Mail data © Royal Mail copyright and database right 2021.
  • Office for National Statistics licensed under the Open Government Licence v.3.0.
  • Contains public sector information licensed under the Open Government Licence v3.0.
  • This product contains data created and maintained by Scottish Local Government.