Access to cash coverage in the UK 2021 Q2

Data Published: 09/11/2021 Last updated: 16/06/2022

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

 

Access to cash coverage in the UK 2021 Q2

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1. Introduction

On a quarterly basis, we, together with the Payment Systems Regulator (PSR), are gathering and updating 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 quarter we have supplemented this information with data on cashback vendor locations.

This analysis provides insights on the proportion of the population that live within a range of distances of various cash access points. We measure distances as the crow flies (see note 1), consistent with the approaches adopted by LINK and the Post Office. 

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

  • 95.7% 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:

  • 95.5% 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

Compared to 2021 Q1, this represents an increase of 0.1% at 2km and no change in coverage at 5km distances. However, this small increase in coverage masks 2 opposing effects. The number of brick-and-mortar branches of the larger banks and building societies providing personal current accounts (PCA) fell by 267 between Q1 and Q2. This decreased coverage by such branches from 61.8% to 60.1% of the UK population at 2km and from 88% to 87.5% at 5km. At the same time, an increase in the availability of Post Office branches and ATMs lead to a small improvement in overall coverage (see note 2).

The rural population travel further to withdraw and deposit cash, which can reflect higher distances to all services. 99.7% of people living in urban areas in the UK currently have access to a free source of cash within 2km. This falls to 77.3% for the UK rural population. 98.3% of the UK rural population are within 5km of a free source of cash. This is an improvement from 2021 Q1 where coverage was 76.6% within 2km and 98.2% within 5km respectively. Overall, we estimate that 99% of the UK rural population have access to a free source of cash within 5.7km.

Including cashback as a source of cash alongside all other access points, we estimate that, either with or without pay-to-use ATMs:

  • 99% of the UK population are currently within 2km of a source of cash
  • 99.9% of the UK population are currently within 5km of a source of cash

For all sources of cash including cashback, we estimate that approximately 100% of the UK’s urban population are within 2km of a cash source and 99.6% are within 1km. Nearly all (99.9%) the UK’s rural population is within 8km of a cash source, although 0.4% have no known cash source within 5km of where they live and 5.3% have no known source within 2km.

Our analysis of other access characteristics finds that:

  • Temporary closures in Q2 were less extensive than in Q1. While the percentages of branches experiencing temporary closures were broadly similar, the closures were substantially shorter. Of bank and building society branches that experienced temporary closures of 1 day or more, a typical (median) branch was closed for 1 day only.
  • Second quarter of 2021 saw an improvement in opening hours. Around 89% of bank and building society branches were still operating on reduced hours compared to February 2020. But their opening hours were markedly longer than in Q1 when many branches were closing in the early afternoon. On average, brick-and-mortar bank and building society branches are open 34 hours per week – a 48% increase from 23 hours per week in Q1 for larger PCA providers and a 36% increase from 25 hours for all other branches.
  • Of the brick-and-mortar bank and building society branches, 63% of larger PCA providers and 53% of other branches reported that they are wheelchair accessible, have step-free access, and have a hearing/induction loop. 75% of Post Office branches (excluding mobile and outreach branches) have both wheelchair access and a hearing/induction loop.

2. Coverage

The data comprises 72,839 known UK cash access points and 429,482 cashback locations. Table 1 shows the total counts by region for 8 types of access points (see notes 3, 4, and 5):

  • 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. Mobile bank branches (measured by stops) are a separate type (D).
    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).
  • 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).
  • Cashback locations (type H) are all the unique locations where a cashback transaction is known to have taken place in 2020.

Table 1: Number of cash access points by type and geographical area

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) 352 523 812 206 562 814 492 452 386 185 516 299 5599
B All other banks and building societies (brick-and-mortar branches)  98 67 53 49 100 69 75 129 99 33 36 105 913
C Post Office branches excluding mobile/ outreach  723 954 666 401 965 1221 987 804 800 458 1079 708 9766
D Mobile bank branches  23 21 – 5 27 61 94 10 9 13 480 100 843
E Mobile/ outreach Post Office branches 152 187 – 94 135 148 266 104 129 39 255 246 1755
F Free-to-use ATMs  2918 3454 5721 1805 4569 5170 3195 3547 3511 1474 4051 1936 41351
G Pay-to-use ATMs  769 944 1947 647 1636 1288 799 1394 960 373 1167 688 12612
H Cashback locations 29745 40758 56447 15505 46836 60968 42088 35174 34259 10727 36694 20281 429482
All sources excluding cashback 5035 6150 9199 3207 7994 8771 5908 6440 5894 2575 7584 4082 72839
All sources including cashback 34780 46908 65646 18712 54830 69739 47996 41614 40153 13302 44278 24363 502321

Download Table 1 (XLSX) 

We have analysed coverage for 14 groups of cash access points which we define in Table 2. The groups are constructed by combining the cash access point types and cashback locations.

  • 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 all known 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.
  • Group 6 includes type B branches and contains all free-to-use access points.
  • Group 7 includes all 72,839 known cash access points.
  • Groups 8 and 9 focus on access to ATMs, for free-to-use and all ATMs respectively.
  • Groups 10, 11, and 12 combine free-to-use access points, all access points and all ATMs respectively with cashback locations.
  • Groups 13 and 14 focus on access to the Post Office network distinguishing between non-mobile/outreach branches and all branches.

Due to substitutability, as outlined above, type B branches are only included in groups 6, 7, 10, and 11.

Table 2: Groupings of cash access points

Group  Description  Cash access point types included  Number of entries 
A  B  C  D  E  F  G  H
1  Larger banks and building societies providing PCA: brick-and-mortar branches  x                5599
2  Larger banks and building societies providing PCA and Post Office: brick-and-mortar branches x    x            15365
3  Larger banks and building societies providing PCA, and Post Office: all branches, including mobile x    x  x  x        17963
4  Post Office, larger banks and building societies providing PCA (all branches), and free-to-use ATMs x    x  x  x  x      59314
5  Post Office, larger banks and building societies providing PCA (all branches), and all ATMs x    x  x  x  x  x    71926
6  All free-to-use cash access points (excluding cashback) x  x  x  x  x  x      60227
7  All cash access points (excluding cashback) x  x  x  x  x  x  x    72839
8  Free-to-use ATMs           x      41351
9  All ATMs           x  x    53963
10 All free-to-use cash access points and cashback locations x  x  x  x  x  x    x 489709
11 All cash access points and cashback locations x  x  x  x  x  x  x  x 502321
12 All ATMs and cashback locations           x  x  x 483445
13 Post Office branches excluding outreach and mobile     x            9766
14 All Post Office branches     x    x        11521

Estimated percentages of the UK population living within a given distance from a cash access point are shown in Table 3 (see notes 6, 7, and 8). 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 9).

The distances considered are 1, 2, 5, 8, and 16 km (approximately 0.6, 1.2, 3, 5, and 10 miles, respectively).

Table 3: Percentages of the UK population that have access to a source of cash within a given distance as of 2021 Q2 (Groups 1-14)

Group 1 Group 2 Group 3 Group 4 Group 5 Group 6 Group 7 Group 8 Group 9 Group 10 Group 11 Group 12 Group 13 Group 14

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 4.5 8.5 36.3 71.8 98.9
East Midlands Urban 3549.3 32.5 69.7 96.9 99.5 99.7
East Midlands Overall 4835.9 25 53.4 80.8 92.1 99.4
East of England Rural 1798.6 5.3 9.6 41.5 74.9 99.9
East of England Urban 4437.5 30.8 67.7 98.1 99.6 100
East of England Overall 6236.1 23.4 51 81.8 92.5 100
London Rural 16.6 0.9 16.9 98.8 100 100
London Urban 8945.3 54.4 91.1 100 100 100
London Overall 8962 54.3 90.9 100 100 100
North East Rural 491.9 7.3 12.7 64.3 87.8 98.2
North East Urban 2178.1 27 63.1 99.4 100 100
North East Overall 2669.9 23.4 53.8 92.9 97.8 99.7
North West Rural 769.5 9.7 17.6 59.1 84.4 99.4
North West Urban 6571.6 28.2 67.4 97.8 100 100
North West Overall 7341.2 26.3 62.2 93.8 98.3 99.9
South East Rural 1875.2 5.1 9.8 50.1 84.4 100
South East Urban 7304.9 30.1 65.7 97.6 99.7 100
South East Overall 9180.1 25 54.3 87.9 96.6 100
South West Rural 1788 8.4 13.9 42.4 73 99.1
South West Urban 3836.7 36.5 72.1 96.7 99.6 100
South West Overall 5624.7 27.5 53.6 79.5 91.2 99.7
West Midlands Rural 899.9 5.9 9.5 43.7 79.8 99.3
West Midlands Urban 5034.1 31.6 73.9 98.7 100 100
West Midlands Overall 5934 27.7 64.2 90.4 96.9 99.9
Yorkshire and The Humber Rural 953.5 7.2 11.7 46.1 76.6 98.5
Yorkshire and The Humber Urban 4549.5 27.6 62.1 96.5 99.4 100
Yorkshire and The Humber Overall 5503 24 53.3 87.8 95.5 99.7
England overall Rural 9880 6.4 11.3 45.9 78 99.3
England overall Urban 46407 35 72.3 98.1 99.8 100
England overall Overall 56287 30 61.6 88.9 96 99.9
Northern Ireland Rural 707.3 2.7 5.8 30.6 60.5 95.8
Northern Ireland Urban 1186.4 36.6 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 4.3 7.1 32.4 56.9 90.3
Scotland Urban 4495.7 33.8 68.2 93.6 98 100
Scotland Overall 5463.3 28.6 57.4 82.8 90.7 98.3
Wales Rural 1025.3 6.7 11.4 42.2 70.1 92.5
Wales Urban 2127.6 29.6 62.6 96.3 99.9 100
Wales Overall 3152.9 22.2 45.9 78.7 90.2 97.6
UK overall Rural 12580.2 6 10.6 43.7 74.8 97.9
UK overall Urban 54216.7 34.8 71.6 97.6 99.6 100
UK overall Overall 66796.8 29.4 60.1 87.5 95 99.6

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 43.4 67 94.8 99.5 100
East Midlands Urban 3549.3 80.7 98.5 100 100 100
East Midlands Overall 4835.9 70.8 90.1 98.6 99.9 100
East of England Rural 1798.6 43.1 67 97.1 99.9 100
East of England Urban 4437.5 80.1 98.4 100 100 100
East of England Overall 6236.1 69.4 89.3 99.2 100 100
London Rural 16.6 44.7 79.2 100 100 100
London Urban 8945.3 93.7 99.9 100 100 100
London Overall 8962 93.6 99.9 100 100 100
North East Rural 491.9 54.8 76.5 95.2 99.2 100
North East Urban 2178.1 83.3 99.3 100 100 100
North East Overall 2669.9 78.1 95.1 99.1 99.9 100
North West Rural 769.5 41.8 66.4 95.5 99.3 100
North West Urban 6571.6 84 99 100 100 100
North West Overall 7341.2 79.5 95.6 99.5 99.9 100
South East Rural 1875.2 40.8 67.7 98.5 100 100
South East Urban 7304.9 78.1 98 100 100 100
South East Overall 9180.1 70.5 91.8 99.7 100 100
South West Rural 1788 40.2 63.4 95.7 99.8 100
South West Urban 3836.7 80.1 97.9 100 100 100
South West Overall 5624.7 67.4 86.9 98.6 99.9 100
West Midlands Rural 899.9 36 59.7 95 99.8 100
West Midlands Urban 5034.1 85.8 99.2 100 100 100
West Midlands Overall 5934 78.3 93.2 99.2 100 100
Yorkshire and The Humber Rural 953.5 45.3 67.4 94 98.9 100
Yorkshire and The Humber Urban 4549.5 82 98.7 100 100 100
Yorkshire and The Humber Overall 5503 75.6 93.2 99 99.8 100
England overall Rural 9880 42.2 66.3 96.1 99.7 100
England overall Urban 46407 84 98.8 100 100 100
England overall Overall 56287 76.6 93.1 99.3 99.9 100
Northern Ireland Rural 707.3 24.5 49 92.7 99.5 100
Northern Ireland Urban 1186.4 79.1 97.4 100 100 100
Northern Ireland Overall 1893.7 58.7 79.3 97.3 99.8 100
Scotland Rural 967.6 36.2 48.6 79.4 94 99.6
Scotland Urban 4495.7 81.4 97.8 99.8 100 100
Scotland Overall 5463.3 73.4 89.1 96.2 98.9 99.9
Wales Rural 1025.3 44.1 66.3 92.8 98.6 100
Wales Urban 2127.6 80.6 98.1 100 100 100
Wales Overall 3152.9 68.7 87.8 97.7 99.6 100
UK overall Rural 12580.2 40.9 64 94.4 99.2 100
UK overall Urban 54216.7 83.5 98.7 100 100 100
UK overall Overall 66796.8 75.5 92.2 98.9 99.8 100

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 49.1 75 99 100 100
East Midlands Urban 3549.3 81 98.7 100 100 100
East Midlands Overall 4835.9 72.5 92.4 99.7 100 100
East of England Rural 1798.6 49.1 76 99.2 100 100
East of England Urban 4437.5 80.2 98.4 100 100 100
East of England Overall 6236.1 71.3 92 99.8 100 100
London Rural 16.6 44.7 79.2 100 100 100
London Urban 8945.3 93.7 99.9 100 100 100
London Overall 8962 93.6 99.9 100 100 100
North East Rural 491.9 64.7 86.3 98.6 99.7 100
North East Urban 2178.1 84.3 99.5 100 100 100
North East Overall 2669.9 80.7 97 99.7 99.9 100
North West Rural 769.5 47.9 75.9 98.6 99.8 100
North West Urban 6571.6 84.3 99.2 100 100 100
North West Overall 7341.2 80.5 96.8 99.9 100 100
South East Rural 1875.2 46 74.6 99.6 100 100
South East Urban 7304.9 78.7 98.4 100 100 100
South East Overall 9180.1 72 93.5 99.9 100 100
South West Rural 1788 46.7 73.5 99 100 100
South West Urban 3836.7 81 98.2 100 100 100
South West Overall 5624.7 70.1 90.4 99.7 100 100
West Midlands Rural 899.9 42.6 69.2 98.4 100 100
West Midlands Urban 5034.1 86 99.3 100 100 100
West Midlands Overall 5934 79.4 94.7 99.8 100 100
Yorkshire and The Humber Rural 953.5 50.7 75.2 98 99.7 100
Yorkshire and The Humber Urban 4549.5 82.3 98.8 100 100 100
Yorkshire and The Humber Overall 5503 76.9 94.8 99.7 99.9 100
England overall Rural 9880 48.3 75 99 99.9 100
England overall Urban 46407 84.3 99 100 100 100
England overall Overall 56287 78 94.8 99.8 100 100
Northern Ireland Rural 707.3 25.9 52.5 95.1 99.8 100
Northern Ireland Urban 1186.4 79.2 97.4 100 100 100
Northern Ireland Overall 1893.7 59.3 80.6 98.2 99.9 100
Scotland Rural 967.6 47.6 62.6 90.6 97.8 99.8
Scotland Urban 4495.7 82.9 98.7 100 100 100
Scotland Overall 5463.3 76.7 92.3 98.3 99.6 100
Wales Rural 1025.3 51.4 75.9 97.5 99.6 100
Wales Urban 2127.6 83.3 98.7 100 100 100
Wales Overall 3152.9 72.9 91.3 99.2 99.9 100
UK overall Rural 12580.2 47.2 72.8 98 99.7 100
UK overall Urban 54216.7 84 98.9 100 100 100
UK overall Overall 66796.8 77.1 94 99.6 99.9 100

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 56.1 79.8 99.1 100 100
East Midlands Urban 3549.3 94.6 99.6 100 100 100
East Midlands Overall 4835.9 84.4 94.3 99.8 100 100
East of England Rural 1798.6 54.9 79.7 99.4 100 100
East of England Urban 4437.5 93.7 99.4 100 100 100
East of England Overall 6236.1 82.5 93.7 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 71.1 88.5 98.6 99.7 100
North East Urban 2178.1 96.4 99.8 100 100 100
North East Overall 2669.9 91.7 97.7 99.8 99.9 100
North West Rural 769.5 54.1 80.2 98.7 99.8 100
North West Urban 6571.6 95.6 99.8 100 100 100
North West Overall 7341.2 91.3 97.7 99.9 100 100
South East Rural 1875.2 53.9 81 99.7 100 100
South East Urban 7304.9 93.6 99.6 100 100 100
South East Overall 9180.1 85.5 95.8 99.9 100 100
South West Rural 1788 53.6 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 49.9 74.4 98.8 100 100
West Midlands Urban 5034.1 96.3 99.8 100 100 100
West Midlands Overall 5934 89.2 96 99.8 100 100
Yorkshire and The Humber Rural 953.5 57.2 79.3 98.4 99.7 100
Yorkshire and The Humber Urban 4549.5 94.9 99.7 100 100 100
Yorkshire and The Humber Overall 5503 88.3 96.1 99.7 100 100
England overall Rural 9880 55.1 79.6 99.2 99.9 100
England overall Urban 46407 95.7 99.7 100 100 100
England overall Overall 56287 88.5 96.2 99.9 100 100
Northern Ireland Rural 707.3 29.6 57.2 96.6 99.8 100
Northern Ireland Urban 1186.4 90 98.8 100 100 100
Northern Ireland Overall 1893.7 67.5 83.3 98.7 99.9 100
Scotland Rural 967.6 51.5 66.2 91.6 97.9 99.8
Scotland Urban 4495.7 96.2 99.9 100 100 100
Scotland Overall 5463.3 88.3 93.9 98.5 99.6 100
Wales Rural 1025.3 55.7 78.3 97.6 99.6 100
Wales Urban 2127.6 91.5 99.4 100 100 100
Wales Overall 3152.9 79.9 92.5 99.2 99.9 100
UK overall Rural 12580.2 53.5 77.2 98.3 99.7 100
UK overall Urban 54216.7 95.4 99.7 100 100 100
UK overall Overall 66796.8 87.5 95.5 99.7 100 100

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 57.5 80.6 99.2 100 100
East Midlands Urban 3549.3 95.8 99.7 100 100 100
East Midlands Overall 4835.9 85.6 94.6 99.8 100 100
East of England Rural 1798.6 56.3 80.5 99.4 100 100
East of England Urban 4437.5 95.1 99.6 100 100 100
East of England Overall 6236.1 83.9 94.1 99.8 100 100
London Rural 16.6 58.6 89.2 100 100 100
London Urban 8945.3 99.6 100 100 100 100
London Overall 8962 99.5 100 100 100 100
North East Rural 491.9 72.9 88.9 98.7 99.7 100
North East Urban 2178.1 97.7 99.8 100 100 100
North East Overall 2669.9 93.1 97.8 99.8 99.9 100
North West Rural 769.5 56.1 81.3 98.8 99.8 100
North West Urban 6571.6 97.1 99.8 100 100 100
North West Overall 7341.2 92.8 97.9 99.9 100 100
South East Rural 1875.2 55.9 82.4 99.8 100 100
South East Urban 7304.9 95 99.7 100 100 100
South East Overall 9180.1 87 96.1 100 100 100
South West Rural 1788 55.1 79.6 99.4 100 100
South West Urban 3836.7 95.7 99.7 100 100 100
South West Overall 5624.7 82.8 93.3 99.8 100 100
West Midlands Rural 899.9 51.3 76 98.9 100 100
West Midlands Urban 5034.1 97.6 99.9 100 100 100
West Midlands Overall 5934 90.5 96.3 99.8 100 100
Yorkshire and The Humber Rural 953.5 58.7 80.6 98.4 99.7 100
Yorkshire and The Humber Urban 4549.5 96.4 99.8 100 100 100
Yorkshire and The Humber Overall 5503 89.9 96.4 99.7 100 100
England overall Rural 9880 56.8 80.8 99.2 99.9 100
England overall Urban 46407 96.9 99.8 100 100 100
England overall Overall 56287 89.8 96.5 99.9 100 100
Northern Ireland Rural 707.3 30.2 57.9 96.6 99.8 100
Northern Ireland Urban 1186.4 91.5 98.9 100 100 100
Northern Ireland Overall 1893.7 68.6 83.6 98.7 99.9 100
Scotland Rural 967.6 52.4 66.9 91.8 98 99.8
Scotland Urban 4495.7 97.5 99.9 100 100 100
Scotland Overall 5463.3 89.5 94.1 98.5 99.6 100
Wales Rural 1025.3 57.6 79.2 97.6 99.6 100
Wales Urban 2127.6 94.2 99.6 100 100 100
Wales Overall 3152.9 82.3 93 99.2 99.9 100
UK overall Rural 12580.2 55 78.3 98.4 99.8 100
UK overall Urban 54216.7 96.7 99.8 100 100 100
UK overall Overall 66796.8 88.8 95.7 99.7 100 100

All free-to-use cash access points (excluding cashback)

Geographic area Rural / Urban Population, 000's Distance 1km Distance 2km Distance 5km Distance 8km Distance 16km
East Midlands Rural 1286.7 56.2 79.8 99.1 100 100
East Midlands Urban 3549.3 94.6 99.6 100 100 100
East Midlands Overall 4835.9 84.4 94.3 99.8 100 100
East of England Rural 1798.6 55.1 79.7 99.4 100 100
East of England Urban 4437.5 93.8 99.5 100 100 100
East of England Overall 6236.1 82.6 93.8 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 71.1 88.5 98.6 99.7 100
North East Urban 2178.1 96.4 99.8 100 100 100
North East Overall 2669.9 91.7 97.7 99.8 99.9 100
North West Rural 769.5 54.1 80.2 98.7 99.8 100
North West Urban 6571.6 95.6 99.8 100 100 100
North West Overall 7341.2 91.3 97.7 99.9 100 100
South East Rural 1875.2 53.9 81 99.7 100 100
South East Urban 7304.9 93.6 99.6 100 100 100
South East Overall 9180.1 85.5 95.8 99.9 100 100
South West Rural 1788 53.6 78.2 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 49.9 74.5 98.8 100 100
West Midlands Urban 5034.1 96.3 99.8 100 100 100
West Midlands Overall 5934 89.3 96 99.8 100 100
Yorkshire and The Humber Rural 953.5 57.2 79.3 98.4 99.7 100
Yorkshire and The Humber Urban 4549.5 94.9 99.7 100 100 100
Yorkshire and The Humber Overall 5503 88.3 96.1 99.7 100 100
England overall Rural 9880 55.2 79.7 99.2 99.9 100
England overall Urban 46407 95.7 99.7 100 100 100
England overall Overall 56287 88.6 96.2 99.9 100 100
Northern Ireland Rural 707.3 29.6 57.3 96.6 99.8 100
Northern Ireland Urban 1186.4 90 98.8 100 100 100
Northern Ireland Overall 1893.7 67.5 83.3 98.7 99.9 100
Scotland Rural 967.6 51.5 66.2 91.6 97.9 99.8
Scotland Urban 4495.7 96.2 99.9 100 100 100
Scotland Overall 5463.3 88.3 93.9 98.5 99.6 100
Wales Rural 1025.3 55.7 78.3 97.6 99.6 100
Wales Urban 2127.6 91.6 99.4 100 100 100
Wales Overall 3152.9 79.9 92.5 99.2 99.9 100
UK overall Rural 12580.2 53.5 77.3 98.3 99.7 100
UK overall Urban 54216.7 95.4 99.7 100 100 100
UK overall Overall 66796.8 87.5 95.5 99.7 100 100

All cash access points (excluding cashback)

Geographic area Rural / Urban Population, 000's Distance 1km Distance 2km Distance 5km Distance 8km Distance 16km
East Midlands Rural 1286.7 57.5 80.6 99.3 100 100
East Midlands Urban 3549.3 95.8 99.7 100 100 100
East Midlands Overall 4835.9 85.6 94.6 99.8 100 100
East of England Rural 1798.6 56.6 80.5 99.4 100 100
East of England Urban 4437.5 95.1 99.6 100 100 100
East of England Overall 6236.1 84 94.1 99.8 100 100
London Rural 16.6 58.6 89.2 100 100 100
London Urban 8945.3 99.6 100 100 100 100
London Overall 8962 99.5 100 100 100 100
North East Rural 491.9 72.9 88.9 98.7 99.7 100
North East Urban 2178.1 97.7 99.8 100 100 100
North East Overall 2669.9 93.1 97.8 99.8 99.9 100
North West Rural 769.5 56.1 81.3 98.8 99.8 100
North West Urban 6571.6 97.1 99.8 100 100 100
North West Overall 7341.2 92.8 97.9 99.9 100 100
South East Rural 1875.2 55.9 82.4 99.8 100 100
South East Urban 7304.9 95 99.7 100 100 100
South East Overall 9180.1 87 96.1 100 100 100
South West Rural 1788 55.1 79.6 99.4 100 100
South West Urban 3836.7 95.7 99.7 100 100 100
South West Overall 5624.7 82.8 93.3 99.8 100 100
West Midlands Rural 899.9 51.3 76.1 98.9 100 100
West Midlands Urban 5034.1 97.6 99.9 100 100 100
West Midlands Overall 5934 90.6 96.3 99.8 100 100
Yorkshire and The Humber Rural 953.5 58.7 80.6 98.4 99.7 100
Yorkshire and The Humber Urban 4549.5 96.4 99.8 100 100 100
Yorkshire and The Humber Overall 5503 89.9 96.4 99.7 100 100
England overall Rural 9880 56.8 80.8 99.2 99.9 100
England overall Urban 46407 96.9 99.8 100 100 100
England overall Overall 56287 89.8 96.5 99.9 100 100
Northern Ireland Rural 707.3 30.2 57.9 96.6 99.8 100
Northern Ireland Urban 1186.4 91.5 98.9 100 100 100
Northern Ireland Overall 1893.7 68.6 83.6 98.7 99.9 100
Scotland Rural 967.6 52.4 66.9 91.8 98 99.8
Scotland Urban 4495.7 97.5 99.9 100 100 100
Scotland Overall 5463.3 89.5 94.1 98.5 99.6 100
Wales Rural 1025.3 57.6 79.2 97.6 99.6 100
Wales Urban 2127.6 94.2 99.6 100 100 100
Wales Overall 3152.9 82.3 93 99.2 99.9 100
UK overall Rural 12580.2 55 78.3 98.4 99.8 100
UK overall Urban 54216.7 96.7 99.8 100 100 100
UK overall Overall 66796.8 88.8 95.7 99.7 100 100

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 42.4 62 90.4 98.6 100
East Midlands Urban 3549.3 92.3 99.1 100 100 100
East Midlands Overall 4835.9 79 89.2 97.4 99.6 100
East of England Rural 1798.6 37.9 55.7 89.3 98.8 100
East of England Urban 4437.5 90.9 98.9 100 100 100
East of England Overall 6236.1 75.6 86.4 96.9 99.6 100
London Rural 16.6 52.8 84.8 100 100 100
London Urban 8945.3 98.6 100 100 100 100
London Overall 8962 98.5 99.9 100 100 100
North East Rural 491.9 57.2 75.8 92.7 97.2 99.8
North East Urban 2178.1 94.1 99.6 100 100 100
North East Overall 2669.9 87.3 95.2 98.6 99.5 100
North West Rural 769.5 41 63.1 92 97.8 100
North West Urban 6571.6 93.3 99.5 100 100 100
North West Overall 7341.2 87.8 95.7 99.2 99.8 100
South East Rural 1875.2 35.6 58 93.2 99.8 100
South East Urban 7304.9 90.7 98.9 100 100 100
South East Overall 9180.1 79.4 90.6 98.6 100 100
South West Rural 1788 35.6 52.7 87 97.6 100
South West Urban 3836.7 91.9 99.3 100 100 100
South West Overall 5624.7 74 84.5 95.9 99.2 100
West Midlands Rural 899.9 34.4 52.5 85.8 97.5 100
West Midlands Urban 5034.1 94.5 99.6 100 100 100
West Midlands Overall 5934 85.4 92.4 97.8 99.6 100
Yorkshire and The Humber Rural 953.5 42.8 61.6 87.9 97.1 100
Yorkshire and The Humber Urban 4549.5 92.5 99.4 100 100 100
Yorkshire and The Humber Overall 5503 83.9 92.9 97.9 99.5 100
England overall Rural 9880 39 58.3 89.7 98.3 100
England overall Urban 46407 93.6 99.4 100 100 100
England overall Overall 56287 84 92.2 98.2 99.7 100
Northern Ireland Rural 707.3 25.2 47.1 90 98.8 100
Northern Ireland Urban 1186.4 88.7 98.7 99.9 100 100
Northern Ireland Overall 1893.7 65 79.5 96.2 99.5 100
Scotland Rural 967.6 33.5 45.3 72.4 86.1 96.1
Scotland Urban 4495.7 94.8 99.8 100 100 100
Scotland Overall 5463.3 84 90.1 95.1 97.5 99.3
Wales Rural 1025.3 39.6 58.2 84 94.7 99.9
Wales Urban 2127.6 86.1 98.2 100 100 100
Wales Overall 3152.9 71 85.2 94.8 98.3 100
UK overall Rural 12580.2 37.8 56.7 87.9 97.1 99.7
UK overall Urban 54216.7 93.3 99.4 100 100 100
UK overall Overall 66796.8 82.8 91.3 97.7 99.4 99.9

All ATMs

Geographic area Rural / Urban Population, 000's Distance 1km Distance 2km Distance 5km Distance 8km Distance 16km
East Midlands Rural 1286.7 45.8 65.6 91.9 99 100
East Midlands Urban 3549.3 94.6 99.4 100 100 100
East Midlands Overall 4835.9 81.6 90.5 97.8 99.7 100
East of England Rural 1798.6 42.2 60.6 92.5 99.4 100
East of England Urban 4437.5 93.7 99.3 100 100 100
East of England Overall 6236.1 78.8 88.1 97.8 99.8 100
London Rural 16.6 57.9 88.1 100 100 100
London Urban 8945.3 99.4 100 100 100 100
London Overall 8962 99.3 100 100 100 100
North East Rural 491.9 63.7 80.4 93.7 97.8 99.8
North East Urban 2178.1 97.4 99.8 100 100 100
North East Overall 2669.9 91.2 96.2 98.8 99.6 100
North West Rural 769.5 45.5 67.4 93.2 98.2 100
North West Urban 6571.6 96.4 99.7 100 100 100
North West Overall 7341.2 91 96.3 99.3 99.8 100
South East Rural 1875.2 41.8 64.1 95.4 99.9 100
South East Urban 7304.9 93.4 99.3 100 100 100
South East Overall 9180.1 82.9 92.1 99.1 100 100
South West Rural 1788 40.6 59.5 91.8 99 100
South West Urban 3836.7 94.2 99.5 100 100 100
South West Overall 5624.7 77.1 86.8 97.4 99.7 100
West Midlands Rural 899.9 39.1 57.7 88.7 98.1 100
West Midlands Urban 5034.1 96.8 99.8 100 100 100
West Midlands Overall 5934 88.1 93.4 98.3 99.7 100
Yorkshire and The Humber Rural 953.5 46.7 65.9 90.5 98 100
Yorkshire and The Humber Urban 4549.5 95.2 99.6 100 100 100
Yorkshire and The Humber Overall 5503 86.8 93.8 98.4 99.7 100
England overall Rural 9880 43.8 63.5 92.4 98.9 100
England overall Urban 46407 95.9 99.6 100 100 100
England overall Overall 56287 86.8 93.3 98.7 99.8 100
Northern Ireland Rural 707.3 26.4 49.5 91.6 99 100
Northern Ireland Urban 1186.4 91 98.8 99.9 100 100
Northern Ireland Overall 1893.7 66.9 80.4 96.8 99.6 100
Scotland Rural 967.6 38.1 50.4 76.6 88.8 97.4
Scotland Urban 4495.7 96.9 99.8 100 100 100
Scotland Overall 5463.3 86.5 91.1 95.8 98 99.5
Wales Rural 1025.3 46.4 64.9 88 96.2 99.9
Wales Urban 2127.6 91.9 99.3 100 100 100
Wales Overall 3152.9 77.1 88.1 96.1 98.8 100
UK overall Rural 12580.2 42.6 61.8 90.8 97.9 99.8
UK overall Urban 54216.7 95.7 99.6 100 100 100
UK overall Overall 66796.8 85.7 92.5 98.3 99.6 100

All free-to-use cash access points and cashback locations

Geographic area Rural / Urban Population, 000's Distance 1km Distance 2km Distance 5km Distance 8km Distance 16km
East Midlands Rural 1286.7 80.6 96.5 100 100 100
East Midlands Urban 3549.3 99.2 100 100 100 100
East Midlands Overall 4835.9 94.3 99 100 100 100
East of England Rural 1798.6 82.6 97.5 100 100 100
East of England Urban 4437.5 99.5 100 100 100 100
East of England Overall 6236.1 94.6 99.2 100 100 100
London Rural 16.6 95.2 100 100 100 100
London Urban 8945.3 100 100 100 100 100
London Overall 8962 100 100 100 100 100
North East Rural 491.9 86 95.5 99.5 99.9 100
North East Urban 2178.1 99.6 100 100 100 100
North East Overall 2669.9 97.1 99.2 99.9 100 100
North West Rural 769.5 82.7 96.1 99.7 100 100
North West Urban 6571.6 99.7 100 100 100 100
North West Overall 7341.2 97.9 99.6 100 100 100
South East Rural 1875.2 86.6 98.7 100 100 100
South East Urban 7304.9 99.6 100 100 100 100
South East Overall 9180.1 96.9 99.7 100 100 100
South West Rural 1788 80.4 96.3 100 100 100
South West Urban 3836.7 99.5 100 100 100 100
South West Overall 5624.7 93.5 98.8 100 100 100
West Midlands Rural 899.9 78.7 96.3 100 100 100
West Midlands Urban 5034.1 99.8 100 100 100 100
West Midlands Overall 5934 96.6 99.4 100 100 100
Yorkshire and The Humber Rural 953.5 79.9 95.1 99.8 100 100
Yorkshire and The Humber Urban 4549.5 99.5 100 100 100 100
Yorkshire and The Humber Overall 5503 96.1 99.1 100 100 100
England overall Rural 9880 82.3 96.8 99.9 100 100
England overall Urban 46407 99.7 100 100 100 100
England overall Overall 56287 96.6 99.4 100 100 100
Northern Ireland Rural 707.3 56.5 86 99.4 100 100
Northern Ireland Urban 1186.4 97.9 99.9 100 100 100
Northern Ireland Overall 1893.7 82.4 94.7 99.8 100 100
Scotland Rural 967.6 65.7 82.3 97 99.3 100
Scotland Urban 4495.7 99.8 100 100 100 100
Scotland Overall 5463.3 93.7 96.9 99.5 99.9 100
Wales Rural 1025.3 74.4 91.6 99.3 99.9 100
Wales Urban 2127.6 98.6 99.9 100 100 100
Wales Overall 3152.9 90.7 97.2 99.8 100 100
UK overall Rural 12580.2 78.9 94.7 99.6 99.9 100
UK overall Urban 54216.7 99.6 100 100 100 100
UK overall Overall 66796.8 95.7 99 99.9 100 100

All cash access points and cashback locations

Geographic area Rural / Urban Population, 000's Distance 1km Distance 2km Distance 5km Distance 8km Distance 16km
East Midlands Rural 1286.7 80.6 96.5 100 100 100
East Midlands Urban 3549.3 99.2 100 100 100 100
East Midlands Overall 4835.9 94.3 99 100 100 100
East of England Rural 1798.6 82.6 97.5 100 100 100
East of England Urban 4437.5 99.5 100 100 100 100
East of England Overall 6236.1 94.6 99.3 100 100 100
London Rural 16.6 95.2 100 100 100 100
London Urban 8945.3 100 100 100 100 100
London Overall 8962 100 100 100 100 100
North East Rural 491.9 86 95.5 99.5 99.9 100
North East Urban 2178.1 99.6 100 100 100 100
North East Overall 2669.9 97.1 99.2 99.9 100 100
North West Rural 769.5 82.7 96.1 99.7 100 100
North West Urban 6571.6 99.7 100 100 100 100
North West Overall 7341.2 97.9 99.6 100 100 100
South East Rural 1875.2 86.6 98.7 100 100 100
South East Urban 7304.9 99.6 100 100 100 100
South East Overall 9180.1 96.9 99.7 100 100 100
South West Rural 1788 80.4 96.4 100 100 100
South West Urban 3836.7 99.5 100 100 100 100
South West Overall 5624.7 93.5 98.8 100 100 100
West Midlands Rural 899.9 78.7 96.3 100 100 100
West Midlands Urban 5034.1 99.8 100 100 100 100
West Midlands Overall 5934 96.6 99.4 100 100 100
Yorkshire and The Humber Rural 953.5 80 95.1 99.8 100 100
Yorkshire and The Humber Urban 4549.5 99.5 100 100 100 100
Yorkshire and The Humber Overall 5503 96.2 99.1 100 100 100
England overall Rural 9880 82.3 96.9 99.9 100 100
England overall Urban 46407 99.7 100 100 100 100
England overall Overall 56287 96.6 99.4 100 100 100
Northern Ireland Rural 707.3 56.5 86 99.4 100 100
Northern Ireland Urban 1186.4 98 99.9 100 100 100
Northern Ireland Overall 1893.7 82.5 94.7 99.8 100 100
Scotland Rural 967.6 65.8 82.3 97 99.3 100
Scotland Urban 4495.7 99.8 100 100 100 100
Scotland Overall 5463.3 93.7 96.9 99.5 99.9 100
Wales Rural 1025.3 74.4 91.6 99.3 99.9 100
Wales Urban 2127.6 98.6 99.9 100 100 100
Wales Overall 3152.9 90.7 97.2 99.8 100 100
UK overall Rural 12580.2 78.9 94.7 99.6 99.9 100
UK overall Urban 54216.7 99.6 100 100 100 100
UK overall Overall 66796.8 95.7 99 99.9 100 100

All ATMs and cashback locations

Geographic area Rural / Urban Population, 000's Distance 1km Distance 2km Distance 5km Distance 8km Distance 16km
East Midlands Rural 1286.7 80.1 96.2 100 100 100
East Midlands Urban 3549.3 99.2 100 100 100 100
East Midlands Overall 4835.9 94.2 99 100 100 100
East of England Rural 1798.6 82.2 97.3 100 100 100
East of England Urban 4437.5 99.5 100 100 100 100
East of England Overall 6236.1 94.5 99.2 100 100 100
London Rural 16.6 95.2 100 100 100 100
London Urban 8945.3 100 100 100 100 100
London Overall 8962 100 100 100 100 100
North East Rural 491.9 85.4 95.3 99.4 99.9 100
North East Urban 2178.1 99.6 100 100 100 100
North East Overall 2669.9 97 99.1 99.9 100 100
North West Rural 769.5 82.2 95.7 99.7 100 100
North West Urban 6571.6 99.7 100 100 100 100
North West Overall 7341.2 97.9 99.5 100 100 100
South East Rural 1875.2 86.5 98.7 100 100 100
South East Urban 7304.9 99.6 100 100 100 100
South East Overall 9180.1 96.9 99.7 100 100 100
South West Rural 1788 80.1 96.1 100 100 100
South West Urban 3836.7 99.5 100 100 100 100
South West Overall 5624.7 93.3 98.8 100 100 100
West Midlands Rural 899.9 78 96 100 100 100
West Midlands Urban 5034.1 99.8 100 100 100 100
West Midlands Overall 5934 96.5 99.4 100 100 100
Yorkshire and The Humber Rural 953.5 79.5 94.8 99.8 100 100
Yorkshire and The Humber Urban 4549.5 99.5 100 100 100 100
Yorkshire and The Humber Overall 5503 96.1 99.1 100 100 100
England overall Rural 9880 81.9 96.6 99.9 100 100
England overall Urban 46407 99.7 100 100 100 100
England overall Overall 56287 96.5 99.4 100 100 100
Northern Ireland Rural 707.3 56.1 85.5 99.3 100 100
Northern Ireland Urban 1186.4 98 99.9 100 100 100
Northern Ireland Overall 1893.7 82.3 94.5 99.7 100 100
Scotland Rural 967.6 64.4 81.2 96.8 99.2 99.9
Scotland Urban 4495.7 99.8 100 100 100 100
Scotland Overall 5463.3 93.5 96.7 99.4 99.9 100
Wales Rural 1025.3 73.5 90.7 99.2 99.9 100
Wales Urban 2127.6 98.5 99.9 100 100 100
Wales Overall 3152.9 90.4 96.9 99.8 100 100
UK overall Rural 12580.2 78.4 94.3 99.6 99.9 100
UK overall Urban 54216.7 99.6 100 100 100 100
UK overall Overall 66796.8 95.6 98.9 99.9 100 100

Post Office branches excluding outreach and mobile

Geographic area Rural / Urban Population, 000's Distance 1km Distance 2km Distance 5km Distance 8km Distance 16km
East Midlands Rural 1286.7 43 66.8 94.7 99.5 100
East Midlands Urban 3549.3 79.1 98.4 100 100 100
East Midlands Overall 4835.9 69.5 90 98.6 99.9 100
East of England Rural 1798.6 42.3 66.2 96.9 99.9 100
East of England Urban 4437.5 78 98.2 100 100 100
East of England Overall 6236.1 67.7 89 99.1 100 100
London Rural 16.6 44.7 79 100 100 100
London Urban 8945.3 92.1 99.9 100 100 100
London Overall 8962 92.1 99.9 100 100 100
North East Rural 491.9 54.4 76.2 94.9 98.8 100
North East Urban 2178.1 81.9 99.3 100 100 100
North East Overall 2669.9 76.8 95 99.1 99.8 100
North West Rural 769.5 41.2 66.1 95.5 99.3 100
North West Urban 6571.6 82.7 98.8 100 100 100
North West Overall 7341.2 78.4 95.4 99.5 99.9 100
South East Rural 1875.2 40.5 67.5 98.5 100 100
South East Urban 7304.9 76.1 97.7 100 100 100
South East Overall 9180.1 68.8 91.5 99.7 100 100
South West Rural 1788 39.8 63.2 95.6 99.8 100
South West Urban 3836.7 78.2 97.6 100 100 100
South West Overall 5624.7 66 86.7 98.6 99.9 100
West Midlands Rural 899.9 35.9 59.6 94.9 99.8 100
West Midlands Urban 5034.1 84.3 99.2 100 100 100
West Midlands Overall 5934 76.9 93.2 99.2 100 100
Yorkshire and The Humber Rural 953.5 45.1 67.3 93.9 98.9 100
Yorkshire and The Humber Urban 4549.5 81.1 98.6 100 100 100
Yorkshire and The Humber Overall 5503 74.8 93.1 98.9 99.8 100
England overall Rural 9880 41.8 66 96 99.6 100
England overall Urban 46407 82.4 98.7 100 100 100
England overall Overall 56287 75.2 93 99.3 99.9 100
Northern Ireland Rural 707.3 24.3 48.9 92.6 99.5 100
Northern Ireland Urban 1186.4 76.4 97 100 100 100
Northern Ireland Overall 1893.7 57 79 97.2 99.8 100
Scotland Rural 967.6 35.6 47.8 78.5 93.1 99.1
Scotland Urban 4495.7 78.5 96.8 99.7 99.8 100
Scotland Overall 5463.3 70.9 88.2 95.9 98.7 99.8
Wales Rural 1025.3 43.8 66.2 92.8 98.6 100
Wales Urban 2127.6 79.1 97.6 100 100 100
Wales Overall 3152.9 67.6 87.4 97.6 99.6 100
UK overall Rural 12580.2 40.5 63.6 94.2 99.1 99.9
UK overall Urban 54216.7 81.8 98.5 100 100 100
UK overall Overall 66796.8 74 91.9 98.9 99.8 100

All Post Office branches

Geographic area Rural / Urban Population, 000's Distance 1km Distance 2km Distance 5km Distance 8km Distance 16km
East Midlands Rural 1286.7 48.5 74.8 99 100 100
East Midlands Urban 3549.3 79.3 98.6 100 100 100
East Midlands Overall 4835.9 71.1 92.3 99.7 100 100
East of England Rural 1798.6 47.9 75.1 99.1 100 100
East of England Urban 4437.5 78.1 98.3 100 100 100
East of England Overall 6236.1 69.4 91.6 99.7 100 100
London Rural 16.6 44.7 79 100 100 100
London Urban 8945.3 92.1 99.9 100 100 100
London Overall 8962 92.1 99.9 100 100 100
North East Rural 491.9 64.3 86.2 98.6 99.7 100
North East Urban 2178.1 82.9 99.4 100 100 100
North East Overall 2669.9 79.5 97 99.7 99.9 100
North West Rural 769.5 47.2 75.6 98.6 99.8 100
North West Urban 6571.6 83 99.1 100 100 100
North West Overall 7341.2 79.3 96.7 99.9 100 100
South East Rural 1875.2 45.3 74.3 99.6 100 100
South East Urban 7304.9 76.7 98 100 100 100
South East Overall 9180.1 70.3 93.2 99.9 100 100
South West Rural 1788 45.7 73.2 99 100 100
South West Urban 3836.7 79 98 100 100 100
South West Overall 5624.7 68.4 90.1 99.7 100 100
West Midlands Rural 899.9 42.3 69 98.4 100 100
West Midlands Urban 5034.1 84.4 99.3 100 100 100
West Midlands Overall 5934 78 94.7 99.8 100 100
Yorkshire and The Humber Rural 953.5 50.3 75.1 98 99.7 100
Yorkshire and The Humber Urban 4549.5 81.4 98.8 100 100 100
Yorkshire and The Humber Overall 5503 76.1 94.7 99.7 99.9 100
England overall Rural 9880 47.6 74.6 98.9 99.9 100
England overall Urban 46407 82.7 98.9 100 100 100
England overall Overall 56287 76.5 94.6 99.8 100 100
Northern Ireland Rural 707.3 25.7 52.3 95 99.8 100
Northern Ireland Urban 1186.4 76.5 97 100 100 100
Northern Ireland Overall 1893.7 57.5 80.3 98.1 99.9 100
Scotland Rural 967.6 46.2 60.9 89.7 97.4 99.8
Scotland Urban 4495.7 79.6 97.9 99.9 100 100
Scotland Overall 5463.3 73.7 91.4 98.1 99.5 100
Wales Rural 1025.3 50.3 75.7 97.4 99.6 100
Wales Urban 2127.6 81.5 98.3 100 100 100
Wales Overall 3152.9 71.4 90.9 99.2 99.9 100
UK overall Rural 12580.2 46.5 72.4 97.9 99.7 100
UK overall Urban 54216.7 82.3 98.7 100 100 100
UK overall Overall 66796.8 75.5 93.8 99.6 99.9 100

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 1-14. 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 Q2

 

View the maps in Tableau Public 

3. Other insights

3.1. Temporary closures

About 15% of type A (larger PCA providers) and 7% of type B (other) bank and building society branches were temporarily closed for at least 1 day during the second quarter of 2021 due to coronavirus (Covid-19) and other reasons. Of branches that experienced temporary closures of at least 1 day, a typical (median) branch of type A or B was closed for 1 day, with the average number of temporary closure days across type A and B branches being 7 and 5 respectively.

Temporary closures of mobile branches (type D) have been substantially more common. About 81% of mobile branches (a reduction of 6 percentage points from Q1) were temporarily closed. The average and median number of temporary closure days were 8 and 9 respectively for those branches that have been closed for 1 day or more.

We do not have equivalent information for Post Office branches.

3.2. Opening hours

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

At the end of the second quarter of 2021, 93% of type A and 67% of type B bank and building society branches were operating on reduced hours relative to the normal opening hours (in February 2020) before the first lockdown.

Figure 2 shows the percentages of branches open at a given time between 7am and 7pm, Monday to Saturday (see note 10), by branch types defined in Table 1. This illustrates a substantial improvement in opening hours since March 2021. For example, around 87% (30% in Q1) of type A (larger PCA providers) branches remain open after 2pm Monday to Friday, and around 70% (10% in Q1) after 3pm. On average, type A and B branches are open 34 hours per week – a 48% increase from 23 hours per week in Q1 for type A and a 36% increase from 25 hours for type B branches. There were only slight changes in opening hours of Post Office branches from Q1 to Q2.

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

Percentages of branches open at a given time by branch type 2021 Q2

Download PDF version of infographic (PDF)

3.3. Accessibility

For some consumers, being able to use 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 11) as well as 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 53% of type B (other) branches have all 3 characteristics. Excluding the branches for which some values are unreported, these percentages become 87.5% and 74% respectively. 75% of Post Office (excluding mobile and outreach) branches have both wheelchair and a hearing/induction loop. This increases to 90% if branches for which some values are unreported are excluded. We do not have information on step-free accessibility for Post Office branches.

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

Access point type Sample Accessibility characteristic
Wheelchair accessible Has step-free access Has hearing/ induction loop available
Yes No Unreported Yes No Unreported Yes No Unreported
A: Larger banks and building societies providing PCA (brick-and-mortar branches) All data 92.9 7.1 – 95.6 4.4 – 69.7 2.3 28
Excluding unreported 92.9 7.1 x 95.6 4.4 x 96.8 3.2 x
B: All other banks and building societies (brick-and-mortar branches)  All data 76.8 4.8 18.4 67.3 7 25.7 64.8 16.3 18.8
Excluding unreported 94.1 5.9 x 90.6 9.4 x 79.9 20.1 x
C: Post Office branches excluding mobile/ outreach  All data 83.5 3 13.5 – – 100 78.5 7.1 14.4
Excluding unreported 96.5 3.5 x x x x 91.8 8.2 x
D: Mobile bank branches  All data 44.4 36.7 19 – 81 19 81 – 19
Excluding unreported 54.8 45.2 x – 100 x 100 – x
E: Mobile/ outreach Post Office branches All data 22.9 0.1 77 – – 100 22.6 0.3 77.2
Excluding unreported 99.8 0.2 x x x x 98.8 1.2 x

Download Table 4 data (xlsx)

4. 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.