Access to cash coverage in the UK 2021 Q2

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

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.

 

    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 
        H
        Larger banks and building societies providing PCA: brick-and-mortar branches                5599
        Larger banks and building societies providing PCA and Post Office: brick-and-mortar branches             15365
        Larger banks and building societies providing PCA, and Post Office: all branches, including mobile         17963
        Post Office, larger banks and building societies providing PCA (all branches), and free-to-use ATMs       59314
        Post Office, larger banks and building societies providing PCA (all branches), and all ATMs     71926
        All free-to-use cash access points (excluding cashback)     60227
        All cash access points (excluding cashback)   72839
        Free-to-use ATMs               41351
        All ATMs             53963
        10 All free-to-use cash access points and cashback locations   x 489709
        11 All cash access points and cashback locations x 502321
        12 All ATMs and cashback locations           x 483445
        13 Post Office branches excluding outreach and mobile               9766
        14 All Post Office branches             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)

        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

        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.