Access to cash coverage in the UK 2021 Q3

Data Published: 23/02/2022 Last updated: 16/06/2022

This is an overview of geographical cash access coverage in the UK at the end of the third quarter (July to September) of 2021. This is the third in a series of regular updates to monitor coverage over time.

 

    1. Introduction

    On a quarterly basis, with the Payment Systems Regulator (PSR), we gather and update data on access to cash. This captures the locations of cash access points and other relevant information like: temporary closures, opening hours, and accessibility. This data covers brick-and-mortar, mobile bank, and building society branches, automated teller machines (ATMs), and the Post Office network. We supplement this information with annual data on cashback locations.

    This analysis provides insights on the proportion of the population that lives 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. Our latest analysis uses mid-2020 population estimates, updated from mid-2019 estimates (see note 2).

      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

      These coverage estimates are unchanged from 2021 Q2. However, the types of available access points have changed between Q2 and Q3:

      • The number of brick-and-mortar branches of the larger banks and building societies providing personal current accounts (PCA) continued to fall, as 224 (4%) ceased to do this. Coverage by these branches decreased from 60.1% to 59.6% of the UK population at 2km and from 87.5% to 87.4% at 5km.
      • There was an increase in the availability of Post Office branches, which offset the reduction in branch coverage.
      • The number of free-to-use ATMs declined, but the impact on coverage appears negligible.

      Between Q1 and Q2, the number of brick-and-mortar branches of the larger banks and building societies providing personal current accounts (PCA) fell by 267 (5%), leading to a 1.7 and 0.5 percentage point reduction in coverage by these branches at 2km and 5km respectively. Between Q2 and Q3, a similar reduction in the number of branches (224) led to a smaller reduction in coverage, with coverage branches falling by 0.5 and 0.1 percentage points at 2km and 5km respectively.

      Those in rural areas travel further to access services compared to the urban population.  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 77.4% for the UK rural population, a small improvement from Q2. 98.3% of the UK rural population are within 5km of a free source of cash. 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 just under 100% of the UK’s urban population are within 2km of a cash source and 99.6% are within 1km. We estimate that nearly all (99.9%) the UK’s rural population are 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. These figures are unchanged from 2021 Q2.

      Our analysis of other access characteristics finds that:

      • Temporary closures in Q3 were slightly more common than in Q2. The percentage of branches with temporary closures was broadly similar, but closures lasted slightly longer. Of Type A (brick-and-mortar branches of a larger PCA provider) and B (brick-and-mortar branch offering limited deposit and withdrawal services) bank and building society branches that had temporary closures of 1 day or more, a typical (median) branch was closed for 2 and 3 days respectively.
      • Q3 2021 saw a small increase in opening hours, with average opening hours for branches (bank and building society brick-and-mortar) increasing slightly to 35 hours per week (from 34 hours in Q2). However, around 81% of these branches were still operating on reduced opening hours compared to February 2020 (from 89% in Q2).
      • Of brick-and-mortar bank and building society branches, 62% of larger PCA providers and 54% of other branches reported that they are wheelchair accessible, have step-free access and have a hearing/induction loop, similar to Q2. 78% of Post Office branches (excluding mobile and outreach branches) have both wheelchair access and a hearing/induction loop, an increase of 3 percentage points from Q2.

      2. Coverage

      The data comprises 72,377 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 provided by (A) larger PCA providers and (B) all other banks and building societies, respectively.
        Type B branches may offer more limited deposit and withdrawal services compared to Type A branches, for example, if a building society it specialises in mortgages, or offering savings accounts.
      • Mobile bank branches (measured by stops) are a separate type (D).
      • Post Office branches are subdivided into mobile/ outreach branches (type E) and all other Post Office branches (type C). The outreach branches are brick-and-mortar but are more similar to mobile branches in that they are typically open for a small number of hours and/or on selected days of the week. For example, these include limited time to serve access points in community buildings in rural locations. For this reason, we group the mobile and outreach branches 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) 334 502 756 201 537 778 474 440 373 180 511 289 5375
      B All other banks and building societies (brick-and-mortar branches)  98 67 53 49 100 69 75 127 99 33 36 105 911
      C Post Office branches excluding mobile/ outreach  724 969 676 406 969 1230 992 807 807 460 1068 720 9828
      D Mobile bank branches  23 22 5 27 56 95 10 10 13 481 100 842
      E Mobile/ outreach Post Office branches 153 187 95 141 155 269 110 143 39 271 254 1817
      F Free-to-use ATMs  2898 3440 5586 1788 4546 5086 3168 3526 3480 1472 4046 1919 40955
      G Pay-to-use ATMs  764 941 1947 641 1647 1312 821 1417 946 367 1161 685 12649
      H Cashback locations 29745 40758 56447 15505 46836 60968 42088 35174 34259 10727 36694 20281 429482
      All sources excluding cashback 4994 6128 9018 3185 7967 8686 5894 6437 5858 2564 7574 4072 72377
      All sources including cashback 34739 46886 65465 18690 54803 69654 47982 41611 40117 13291 44268 24353 501859

       

      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 72,377 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                5375
      Larger banks and building societies providing PCA and Post Office: brick-and-mortar branches             15203
      Larger banks and building societies providing PCA, and Post Office: all branches, including mobile         17862
      Post Office, larger banks and building societies providing PCA (all branches), and free-to-use ATMs       58817
      Post Office, larger banks and building societies providing PCA (all branches), and all ATMs     71466
      All free-to-use cash access points (excluding cashback)     59728
      All cash access points (excluding cashback)   72377
      Free-to-use ATMs               40955
      All ATMs             53604
      10 All free-to-use cash access points and cashback locations   x 489210
      11 All cash access points and cashback locations x 501859
      12 All ATMs and cashback locations           x 483086
      13 Post Office branches excluding outreach and mobile               9828
      14 All Post Office branches             11645

      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 Q3 (Groups 1-14)

      Larger banks and building societies providing PCA: brick-and-mortar branches - 2021 Q3

      Geographic area

      Rural / Urban

      Population, 000's

      Distance, km

      Distance 2km

      Distance 5km

      Distance 8km

      Distance 16km

      East Midlands

      Rural

      1297.2

      4.4

      8.4

      36.1

      71.9

      98.9

      East Midlands

      Urban

      3568.4

      31.5

      68.8

      96.8

      99.5

      99.7

      East Midlands

      Overall

      4865.6

      24.3

      52.7

      80.6

      92.1

      99.4

      East of England

      Rural

      1814.7

      5.2

      9.6

      41.6

      75

      99.9

      East of England

      Urban

      4454.5

      30.6

      67.6

      98.1

      99.6

      100

      East of England

      Overall

      6269.2

      23.2

      50.8

      81.7

      92.5

      100

      London

      Rural

      16.6

      0.8

      17.6

      98.8

      100

      100

      London

      Urban

      8985.9

      53.1

      89.8

      100

      100

      100

      London

      Overall

      9002.5

      53

      89.6

      100

      100

      100

      North East

      Rural

      495.3

      7.3

      12.6

      64.4

      87.9

      98.2

      North East

      Urban

      2185.5

      27

      63

      99.4

      100

      100

      North East

      Overall

      2680.8

      23.3

      53.7

      92.9

      97.8

      99.7

      North West

      Rural

      773.5

      9.6

      17.6

      58.9

      84.4

      99.4

      North West

      Urban

      6594

      27.7

      66.9

      97.8

      99.9

      100

      North West

      Overall

      7367.5

      25.8

      61.7

      93.7

      98.3

      99.9

      South East

      Rural

      1892.1

      5

      9.8

      50.2

      84.4

      100

      South East

      Urban

      7325.1

      29.8

      65.6

      97.5

      99.7

      100

      South East

      Overall

      9217.3

      24.8

      54.2

      87.8

      96.6

      100

      South West

      Rural

      1805.3

      8.2

      13.9

      42.5

      72.8

      99.1

      South West

      Urban

      3853.8

      35.8

      71.6

      96.3

      99.6

      100

      South West

      Overall

      5659.1

      27

      53.2

      79.1

      91.1

      99.7

      West Midlands

      Rural

      910.3

      5.8

      9.4

      43.2

      79.6

      99.3

      West Midlands

      Urban

      5051.6

      31.1

      72.9

      98.7

      100

      100

      West Midlands

      Overall

      5961.9

      27.2

      63.3

      90.3

      96.9

      99.9

      Yorkshire and The Humber

      Rural

      957.8

      7.1

      11.6

      45.6

      76.6

      98.5

      Yorkshire and The Humber

      Urban

      4568.6

      27.4

      61.7

      96.5

      99.4

      100

      Yorkshire and The Humber

      Overall

      5526.4

      23.9

      53

      87.7

      95.4

      99.7

      England overall

      Rural

      9962.7

      6.3

      11.2

      45.8

      78

      99.3

      England overall

      Urban

      46587.4

      34.5

      71.7

      98.1

      99.8

      100

      England overall

      Overall

      56550.1

      29.5

      61

      88.8

      95.9

      99.9

      Northern Ireland

      Rural

      709.3

      2.7

      5.8

      30.6

      60.5

      95.8

      Northern Ireland

      Urban

      1186.2

      35.8

      74.6

      96.3

      99.6

      100

      Northern Ireland

      Overall

      1895.5

      23.4

      48.9

      71.7

      85

      98.4

      Scotland

      Rural

      974.8

      4.3

      7

      32.7

      57.1

      90.4

      Scotland

      Urban

      4491.2

      33.8

      68.1

      93.6

      98

      100

      Scotland

      Overall

      5466

      28.5

      57.2

      82.7

      90.7

      98.3

      Wales

      Rural

      1031.5

      6.7

      11.3

      41.5

      69.7

      92.5

      Wales

      Urban

      2138.1

      28.4

      60.3

      95.6

      99.9

      100

      Wales

      Overall

      3169.6

      21.3

      44.4

      78

      90.1

      97.5

      UK overall

      Rural

      12678.2

      6

      10.6

      43.6

      74.7

      97.9

      UK overall

      Urban

      54403

      34.2

      71

      97.6

      99.6

      100

      UK overall

      Overall

      67081.2

      28.9

      59.6

      87.4

      94.9

      99.6

      Larger banks and building societies providing PCA and Post Office: brick-and-mortar branches - 2021 Q3

      Geographic area

      Rural / Urban

      Population, 000's

      Distance, km

      Distance 2km

      Distance 5km

      Distance 8km

      Distance 16km

      East Midlands

      Rural

      1297.2

      43.4

      67

      94.6

      99.5

      100

      East Midlands

      Urban

      3568.4

      80.5

      98.5

      100

      100

      100

      East Midlands

      Overall

      4865.6

      70.6

      90.1

      98.5

      99.9

      100

      East of England

      Rural

      1814.7

      43.1

      67.3

      97.1

      99.9

      100

      East of England

      Urban

      4454.5

      80.4

      98.3

      100

      100

      100

      East of England

      Overall

      6269.2

      69.6

      89.4

      99.2

      100

      100

      London

      Rural

      16.6

      44.8

      79.4

      100

      100

      100

      London

      Urban

      8985.9

      94.2

      99.9

      100

      100

      100

      London

      Overall

      9002.5

      94.1

      99.9

      100

      100

      100

      North East

      Rural

      495.3

      54.7

      76.6

      95

      99

      100

      North East

      Urban

      2185.5

      83.7

      99.3

      100

      100

      100

      North East

      Overall

      2680.8

      78.4

      95.1

      99.1

      99.8

      100

      North West

      Rural

      773.5

      41.5

      66.3

      95.4

      99.3

      100

      North West

      Urban

      6594

      84.1

      99

      100

      100

      100

      North West

      Overall

      7367.5

      79.6

      95.6

      99.5

      99.9

      100

      South East

      Rural

      1892.1

      40.8

      68

      98.5

      100

      100

      South East

      Urban

      7325.1

      78.4

      98.1

      100

      100

      100

      South East

      Overall

      9217.3

      70.7

      91.9

      99.7

      100

      100

      South West

      Rural

      1805.3

      40.3

      63.8

      95.7

      99.8

      100

      South West

      Urban

      3853.8

      80.2

      98.1

      100

      100

      100

      South West

      Overall

      5659.1

      67.5

      87.1

      98.6

      99.9

      100

      West Midlands

      Rural

      910.3

      35.9

      59.7

      95.1

      99.9

      100

      West Midlands

      Urban

      5051.6

      85.8

      99.2

      100

      100

      100

      West Midlands

      Overall

      5961.9

      78.2

      93.2

      99.3

      100

      100

      Yorkshire and The Humber

      Rural

      957.8

      45.5

      67.6

      94.1

      98.9

      100

      Yorkshire and The Humber

      Urban

      4568.6

      82.4

      98.8

      100

      100

      100

      Yorkshire and The Humber

      Overall

      5526.4

      76

      93.4

      99

      99.8

      100

      England overall

      Rural

      9962.7

      42.2

      66.5

      96.1

      99.7

      100

      England overall

      Urban

      46587.4

      84.2

      98.9

      100

      100

      100

      England overall

      Overall

      56550.1

      76.8

      93.2

      99.3

      99.9

      100

      Northern Ireland

      Rural

      709.3

      24.6

      49.4

      92.8

      99.5

      100

      Northern Ireland

      Urban

      1186.2

      79.4

      97.4

      100

      100

      100

      Northern Ireland

      Overall

      1895.5

      58.9

      79.4

      97.3

      99.8

      100

      Scotland

      Rural

      974.8

      35.3

      47.9

      79.4

      94.3

      99.7

      Scotland

      Urban

      4491.2

      80.7

      97.9

      99.8

      100

      100

      Scotland

      Overall

      5466

      72.6

      89

      96.2

      99

      99.9

      Wales

      Rural

      1031.5

      44.2

      66.7

      93.1

      98.7

      100

      Wales

      Urban

      2138.1

      80.7

      98.2

      100

      100

      100

      Wales

      Overall

      3169.6

      68.9

      87.9

      97.8

      99.6

      100

      UK overall

      Rural

      12678.2

      40.9

      64.1

      94.4

      99.2

      100

      UK overall

      Urban

      54403

      83.7

      98.7

      100

      100

      100

      UK overall

      Overall

      67081.2

      75.6

      92.2

      98.9

      99.8

      100

      Larger banks and building societies providing PCA and Post Office: all branches, including mobile - 2021 Q3

      Geographic area

      Rural / Urban

      Population, 000's

      Distance, km

      Distance 2km

      Distance 5km

      Distance 8km

      Distance 16km

      East Midlands

      Rural

      1297.2

      48.9

      75.1

      99

      100

      100

      East Midlands

      Urban

      3568.4

      80.7

      98.7

      100

      100

      100

      East Midlands

      Overall

      4865.6

      72.3

      92.4

      99.7

      100

      100

      East of England

      Rural

      1814.7

      48.9

      76

      99.2

      100

      100

      East of England

      Urban

      4454.5

      80.6

      98.4

      100

      100

      100

      East of England

      Overall

      6269.2

      71.4

      91.9

      99.8

      100

      100

      London

      Rural

      16.6

      44.8

      79.4

      100

      100

      100

      London

      Urban

      8985.9

      94.2

      99.9

      100

      100

      100

      London

      Overall

      9002.5

      94.1

      99.9

      100

      100

      100

      North East

      Rural

      495.3

      64.3

      86.2

      98.6

      99.7

      100

      North East

      Urban

      2185.5

      84.7

      99.5

      100

      100

      100

      North East

      Overall

      2680.8

      80.9

      97

      99.7

      99.9

      100

      North West

      Rural

      773.5

      47.9

      76

      98.6

      99.8

      100

      North West

      Urban

      6594

      84.4

      99.2

      100

      100

      100

      North West

      Overall

      7367.5

      80.6

      96.7

      99.9

      100

      100

      South East

      Rural

      1892.1

      46.4

      75.4

      99.6

      100

      100

      South East

      Urban

      7325.1

      79

      98.5

      100

      100

      100

      South East

      Overall

      9217.3

      72.3

      93.7

      99.9

      100

      100

      South West

      Rural

      1805.3

      46.9

      74

      99

      100

      100

      South West

      Urban

      3853.8

      81.2

      98.4

      100

      100

      100

      South West

      Overall

      5659.1

      70.3

      90.6

      99.7

      100

      100

      West Midlands

      Rural

      910.3

      42.6

      69.4

      98.4

      100

      100

      West Midlands

      Urban

      5051.6

      86

      99.3

      100

      100

      100

      West Midlands

      Overall

      5961.9

      79.3

      94.7

      99.8

      100

      100

      Yorkshire and The Humber

      Rural

      957.8

      51.6

      76

      98.1

      99.7

      100

      Yorkshire and The Humber

      Urban

      4568.6

      83.2

      99.1

      100

      100

      100

      Yorkshire and The Humber

      Overall

      5526.4

      77.7

      95.1

      99.7

      99.9

      100

      England overall

      Rural

      9962.7

      48.4

      75.3

      99

      99.9

      100

      England overall

      Urban

      46587.4

      84.6

      99.1

      100

      100

      100

      England overall

      Overall

      56550.1

      78.2

      94.9

      99.8

      100

      100

      Northern Ireland

      Rural

      709.3

      26.1

      52.9

      95.2

      99.8

      100

      Northern Ireland

      Urban

      1186.2

      79.5

      97.4

      100

      100

      100

      Northern Ireland

      Overall

      1895.5

      59.5

      80.8

      98.2

      99.9

      100

      Scotland

      Rural

      974.8

      46.9

      62.1

      90.9

      97.9

      99.8

      Scotland

      Urban

      4491.2

      82.5

      98.8

      100

      100

      100

      Scotland

      Overall

      5466

      76.2

      92.2

      98.4

      99.6

      100

      Wales

      Rural

      1031.5

      51

      75.7

      97.5

      99.6

      100

      Wales

      Urban

      2138.1

      83.3

      98.8

      100

      100

      100

      Wales

      Overall

      3169.6

      72.8

      91.2

      99.2

      99.9

      100

      UK overall

      Rural

      12678.2

      47.3

      73.1

      98

      99.7

      100

      UK overall

      Urban

      54403

      84.3

      99

      100

      100

      100

      UK overall

      Overall

      67081.2

      77.3

      94.1

      99.6

      100

      100

      Post Office, larger banks and building societies providing PCA (all branches), and free-to-use ATMs - 2021 Q3

      Geographic area

      Rural / Urban

      Population, 000's

      Distance, km

      Distance 2km

      Distance 5km

      Distance 8km

      Distance 16km

      East Midlands

      Rural

      1297.2

      56.2

      80.2

      99.1

      100

      100

      East Midlands

      Urban

      3568.4

      94.5

      99.6

      100

      100

      100

      East Midlands

      Overall

      4865.6

      84.3

      94.4

      99.8

      100

      100

      East of England

      Rural

      1814.7

      54.9

      79.9

      99.4

      100

      100

      East of England

      Urban

      4454.5

      93.7

      99.4

      100

      100

      100

      East of England

      Overall

      6269.2

      82.4

      93.8

      99.8

      100

      100

      London

      Rural

      16.6

      53.9

      86.7

      100

      100

      100

      London

      Urban

      8985.9

      99.1

      100

      100

      100

      100

      London

      Overall

      9002.5

      99.1

      100

      100

      100

      100

      North East

      Rural

      495.3

      70.8

      88.4

      98.7

      99.7

      100

      North East

      Urban

      2185.5

      96.3

      99.8

      100

      100

      100

      North East

      Overall

      2680.8

      91.6

      97.7

      99.8

      99.9

      100

      North West

      Rural

      773.5

      54.2

      80.3

      98.7

      99.8

      100

      North West

      Urban

      6594

      95.7

      99.8

      100

      100

      100

      North West

      Overall

      7367.5

      91.3

      97.7

      99.9

      100

      100

      South East

      Rural

      1892.1

      53.8

      81

      99.7

      100

      100

      South East

      Urban

      7325.1

      93.7

      99.6

      100

      100

      100

      South East

      Overall

      9217.3

      85.6

      95.8

      99.9

      100

      100

      South West

      Rural

      1805.3

      53.4

      78.1

      99.3

      100

      100

      South West

      Urban

      3853.8

      94.5

      99.6

      100

      100

      100

      South West

      Overall

      5659.1

      81.4

      92.7

      99.8

      100

      100

      West Midlands

      Rural

      910.3

      49.9

      74.6

      98.8

      100

      100

      West Midlands

      Urban

      5051.6

      96.3

      99.8

      100

      100

      100

      West Midlands

      Overall

      5961.9

      89.2

      96

      99.8

      100

      100

      Yorkshire and The Humber

      Rural

      957.8

      57.5

      79.5

      98.4

      99.7

      100

      Yorkshire and The Humber

      Urban

      4568.6

      95

      99.7

      100

      100

      100

      Yorkshire and The Humber

      Overall

      5526.4

      88.5

      96.2

      99.7

      100

      100

      England overall

      Rural

      9962.7

      55.1

      79.8

      99.2

      99.9

      100

      England overall

      Urban

      46587.4

      95.7

      99.7

      100

      100

      100

      England overall

      Overall

      56550.1

      88.5

      96.2

      99.9

      100

      100

      Northern Ireland

      Rural

      709.3

      29.8

      57.6

      96.6

      99.8

      100

      Northern Ireland

      Urban

      1186.2

      90.1

      98.8

      100

      100

      100

      Northern Ireland

      Overall

      1895.5

      67.5

      83.4

      98.7

      99.9

      100

      Scotland

      Rural

      974.8

      51.1

      66.1

      91.6

      97.9

      99.8

      Scotland

      Urban

      4491.2

      96.2

      99.9

      100

      100

      100

      Scotland

      Overall

      5466

      88.1

      93.9

      98.5

      99.6

      100

      Wales

      Rural

      1031.5

      55.7

      78.4

      97.6

      99.6

      100

      Wales

      Urban

      2138.1

      91.4

      99.3

      100

      100

      100

      Wales

      Overall

      3169.6

      79.8

      92.5

      99.2

      99.9

      100

      UK overall

      Rural

      12678.2

      53.4

      77.4

      98.3

      99.8

      100

      UK overall

      Urban

      54403

      95.4

      99.7

      100

      100

      100

      UK overall

      Overall

      67081.2

      87.5

      95.5

      99.7

      100

      100

      Post Office, larger banks and building societies providing PCA (all branches), and all ATMs - 2021 Q3

      Geographic area

      Rural / Urban

      Population, 000's

      Distance, km

      Distance 2km

      Distance 5km

      Distance 8km

      Distance 16km

      East Midlands

      Rural

      1297.2

      57.5

      81

      99.2

      100

      100

      East Midlands

      Urban

      3568.4

      95.7

      99.7

      100

      100

      100

      East Midlands

      Overall

      4865.6

      85.6

      94.7

      99.8

      100

      100

      East of England

      Rural

      1814.7

      56.4

      80.6

      99.4

      100

      100

      East of England

      Urban

      4454.5

      95

      99.6

      100

      100

      100

      East of England

      Overall

      6269.2

      83.8

      94.1

      99.8

      100

      100

      London

      Rural

      16.6

      58.7

      89.3

      100

      100

      100

      London

      Urban

      8985.9

      99.6

      100

      100

      100

      100

      London

      Overall

      9002.5

      99.5

      100

      100

      100

      100

      North East

      Rural

      495.3

      72.6

      88.7

      98.7

      99.7

      100

      North East

      Urban

      2185.5

      97.6

      99.8

      100

      100

      100

      North East

      Overall

      2680.8

      93

      97.8

      99.8

      99.9

      100

      North West

      Rural

      773.5

      56.2

      81.3

      98.8

      99.8

      100

      North West

      Urban

      6594

      97.1

      99.8

      100

      100

      100

      North West

      Overall

      7367.5

      92.8

      97.9

      99.9

      100

      100

      South East

      Rural

      1892.1

      56

      82.4

      99.8

      100

      100

      South East

      Urban

      7325.1

      94.9

      99.7

      100

      100

      100

      South East

      Overall

      9217.3

      86.9

      96.1

      100

      100

      100

      South West

      Rural

      1805.3

      55

      79.5

      99.4

      100

      100

      South West

      Urban

      3853.8

      95.6

      99.7

      100

      100

      100

      South West

      Overall

      5659.1

      82.7

      93.3

      99.8

      100

      100

      West Midlands

      Rural

      910.3

      51.4

      76.3

      98.9

      100

      100

      West Midlands

      Urban

      5051.6

      97.6

      99.9

      100

      100

      100

      West Midlands

      Overall

      5961.9

      90.5

      96.3

      99.8

      100

      100

      Yorkshire and The Humber

      Rural

      957.8

      59

      80.7

      98.4

      99.7

      100

      Yorkshire and The Humber

      Urban

      4568.6

      96.5

      99.8

      100

      100

      100

      Yorkshire and The Humber

      Overall

      5526.4

      90

      96.5

      99.7

      100

      100

      England overall

      Rural

      9962.7

      56.8

      80.9

      99.2

      99.9

      100

      England overall

      Urban

      46587.4

      96.8

      99.8

      100

      100

      100

      England overall

      Overall

      56550.1

      89.8

      96.5

      99.9

      100

      100

      Northern Ireland

      Rural

      709.3

      30.4

      58.2

      96.7

      99.8

      100

      Northern Ireland

      Urban

      1186.2

      91.4

      98.9

      100

      100

      100

      Northern Ireland

      Overall

      1895.5

      68.6

      83.7

      98.7

      99.9

      100

      Scotland

      Rural

      974.8

      52.1

      66.9

      91.8

      98

      99.8

      Scotland

      Urban

      4491.2

      97.5

      99.9

      100

      100

      100

      Scotland

      Overall

      5466

      89.4

      94

      98.5

      99.6

      100

      Wales

      Rural

      1031.5

      57.6

      79.4

      97.7

      99.6

      100

      Wales

      Urban

      2138.1

      94.1

      99.6

      100

      100

      100

      Wales

      Overall

      3169.6

      82.2

      93

      99.3

      99.9

      100

      UK overall

      Rural

      12678.2

      55

      78.4

      98.4

      99.8

      100

      UK overall

      Urban

      54403

      96.6

      99.8

      100

      100

      100

      UK overall

      Overall

      67081.2

      88.8

      95.7

      99.7

      100

      100

      All free-to-use cash access points (excluding cashback) - 2021 Q3

      Geographic area

      Rural / Urban

      Population, 000's

      Distance, km

      Distance 2km

      Distance 5km

      Distance 8km

      Distance 16km

      East Midlands

      Rural

      1297.2

      56.3

      80.2

      99.1

      100

      100

      East Midlands

      Urban

      3568.4

      94.5

      99.6

      100

      100

      100

      East Midlands

      Overall

      4865.6

      84.3

      94.4

      99.8

      100

      100

      East of England

      Rural

      1814.7

      55.1

      79.9

      99.4

      100

      100

      East of England

      Urban

      4454.5

      93.7

      99.4

      100

      100

      100

      East of England

      Overall

      6269.2

      82.5

      93.8

      99.8

      100

      100

      London

      Rural

      16.6

      53.9

      86.7

      100

      100

      100

      London

      Urban

      8985.9

      99.1

      100

      100

      100

      100

      London

      Overall

      9002.5

      99.1

      100

      100

      100

      100

      North East

      Rural

      495.3

      70.8

      88.4

      98.7

      99.7

      100

      North East

      Urban

      2185.5

      96.3

      99.8

      100

      100

      100

      North East

      Overall

      2680.8

      91.6

      97.7

      99.8

      99.9

      100

      North West

      Rural

      773.5

      54.2

      80.4

      98.7

      99.8

      100

      North West

      Urban

      6594

      95.7

      99.8

      100

      100

      100

      North West

      Overall

      7367.5

      91.3

      97.7

      99.9

      100

      100

      South East

      Rural

      1892.1

      53.8

      81

      99.7

      100

      100

      South East

      Urban

      7325.1

      93.8

      99.6

      100

      100

      100

      South East

      Overall

      9217.3

      85.6

      95.8

      99.9

      100

      100

      South West

      Rural

      1805.3

      53.4

      78.1

      99.3

      100

      100

      South West

      Urban

      3853.8

      94.5

      99.6

      100

      100

      100

      South West

      Overall

      5659.1

      81.4

      92.7

      99.8

      100

      100

      West Midlands

      Rural

      910.3

      49.9

      74.6

      98.8

      100

      100

      West Midlands

      Urban

      5051.6

      96.3

      99.8

      100

      100

      100

      West Midlands

      Overall

      5961.9

      89.3

      96

      99.8

      100

      100

      Yorkshire and The Humber

      Rural

      957.8

      57.5

      79.5

      98.4

      99.7

      100

      Yorkshire and The Humber

      Urban

      4568.6

      95

      99.7

      100

      100

      100

      Yorkshire and The Humber

      Overall

      5526.4

      88.5

      96.2

      99.7

      100

      100

      England overall

      Rural

      9962.7

      55.2

      79.8

      99.2

      99.9

      100

      England overall

      Urban

      46587.4

      95.7

      99.7

      100

      100

      100

      England overall

      Overall

      56550.1

      88.6

      96.2

      99.9

      100

      100

      Northern Ireland

      Rural

      709.3

      29.8

      57.6

      96.6

      99.8

      100

      Northern Ireland

      Urban

      1186.2

      90.1

      98.8

      100

      100

      100

      Northern Ireland

      Overall

      1895.5

      67.5

      83.4

      98.7

      99.9

      100

      Scotland

      Rural

      974.8

      51.1

      66.1

      91.6

      97.9

      99.8

      Scotland

      Urban

      4491.2

      96.2

      99.9

      100

      100

      100

      Scotland

      Overall

      5466

      88.1

      93.9

      98.5

      99.6

      100

      Wales

      Rural

      1031.5

      55.7

      78.4

      97.6

      99.6

      100

      Wales

      Urban

      2138.1

      91.5

      99.3

      100

      100

      100

      Wales

      Overall

      3169.6

      79.8

      92.5

      99.2

      99.9

      100

      UK overall

      Rural

      12678.2

      53.5

      77.4

      98.3

      99.8

      100

      UK overall

      Urban

      54403

      95.4

      99.7

      100

      100

      100

      UK overall

      Overall

      67081.2

      87.5

      95.5

      99.7

      100

      100

      All cash access points (excluding cashback) - 2021 Q3

      Geographic area

      Rural / Urban

      Population, 000's

      Distance, km

      Distance 2km

      Distance 5km

      Distance 8km

      Distance 16km

      East Midlands

      Rural

      1297.2

      57.6

      81

      99.2

      100

      100

      East Midlands

      Urban

      3568.4

      95.7

      99.7

      100

      100

      100

      East Midlands

      Overall

      4865.6

      85.6

      94.7

      99.8

      100

      100

      East of England

      Rural

      1814.7

      56.6

      80.7

      99.4

      100

      100

      East of England

      Urban

      4454.5

      95

      99.6

      100

      100

      100

      East of England

      Overall

      6269.2

      83.9

      94.1

      99.8

      100

      100

      London

      Rural

      16.6

      58.7

      89.3

      100

      100

      100

      London

      Urban

      8985.9

      99.6

      100

      100

      100

      100

      London

      Overall

      9002.5

      99.5

      100

      100

      100

      100

      North East

      Rural

      495.3

      72.6

      88.7

      98.7

      99.7

      100

      North East

      Urban

      2185.5

      97.6

      99.8

      100

      100

      100

      North East

      Overall

      2680.8

      93

      97.8

      99.8

      99.9

      100

      North West

      Rural

      773.5

      56.2

      81.3

      98.8

      99.8

      100

      North West

      Urban

      6594

      97.1

      99.8

      100

      100

      100

      North West

      Overall

      7367.5

      92.8

      97.9

      99.9

      100

      100

      South East

      Rural

      1892.1

      56

      82.4

      99.8

      100

      100

      South East

      Urban

      7325.1

      94.9

      99.7

      100

      100

      100

      South East

      Overall

      9217.3

      86.9

      96.1

      100

      100

      100

      South West

      Rural

      1805.3

      55

      79.6

      99.4

      100

      100

      South West

      Urban

      3853.8

      95.6

      99.7

      100

      100

      100

      South West

      Overall

      5659.1

      82.7

      93.3

      99.8

      100

      100

      West Midlands

      Rural

      910.3

      51.4

      76.3

      98.9

      100

      100

      West Midlands

      Urban

      5051.6

      97.6

      99.9

      100

      100

      100

      West Midlands

      Overall

      5961.9

      90.5

      96.3

      99.8

      100

      100

      Yorkshire and The Humber

      Rural

      957.8

      59

      80.7

      98.4

      99.7

      100

      Yorkshire and The Humber

      Urban

      4568.6

      96.5

      99.8

      100

      100

      100

      Yorkshire and The Humber

      Overall

      5526.4

      90

      96.5

      99.7

      100

      100

      England overall

      Rural

      9962.7

      56.8

      80.9

      99.2

      99.9

      100

      England overall

      Urban

      46587.4

      96.8

      99.8

      100

      100

      100

      England overall

      Overall

      56550.1

      89.8

      96.5

      99.9

      100

      100

      Northern Ireland

      Rural

      709.3

      30.4

      58.2

      96.7

      99.8

      100

      Northern Ireland

      Urban

      1186.2

      91.4

      98.9

      100

      100

      100

      Northern Ireland

      Overall

      1895.5

      68.6

      83.7

      98.7

      99.9

      100

      Scotland

      Rural

      974.8

      52.1

      66.9

      91.8

      98

      99.8

      Scotland

      Urban

      4491.2

      97.5

      99.9

      100

      100

      100

      Scotland

      Overall

      5466

      89.4

      94

      98.5

      99.6

      100

      Wales

      Rural

      1031.5

      57.6

      79.4

      97.7

      99.6

      100

      Wales

      Urban

      2138.1

      94.1

      99.6

      100

      100

      100

      Wales

      Overall

      3169.6

      82.2

      93

      99.3

      99.9

      100

      UK overall

      Rural

      12678.2

      55.1

      78.4

      98.4

      99.8

      100

      UK overall

      Urban

      54403

      96.6

      99.8

      100

      100

      100

      UK overall

      Overall

      67081.2

      88.8

      95.7

      99.7

      100

      100

      Free-to-use ATMs - 2021 Q3

      Geographic area

      Rural / Urban

      Population, 000's

      Distance, km

      Distance 2km

      Distance 5km

      Distance 8km

      Distance 16km

      East Midlands

      Rural

      1297.2

      42.8

      62.8

      90.6

      98.6

      100

      East Midlands

      Urban

      3568.4

      92.3

      99.1

      100

      100

      100

      East Midlands

      Overall

      4865.6

      79.1

      89.4

      97.5

      99.6

      100

      East of England

      Rural

      1814.7

      38.2

      56.5

      89.6

      98.8

      100

      East of England

      Urban

      4454.5

      90.8

      98.9

      100

      100

      100

      East of England

      Overall

      6269.2

      75.6

      86.6

      97

      99.7

      100

      London

      Rural

      16.6

      52.4

      85

      100

      100

      100

      London

      Urban

      8985.9

      98.6

      100

      100

      100

      100

      London

      Overall

      9002.5

      98.5

      99.9

      100

      100

      100

      North East

      Rural

      495.3

      56.3

      75.6

      92.7

      97.2

      99.8

      North East

      Urban

      2185.5

      94

      99.6

      100

      100

      100

      North East

      Overall

      2680.8

      87

      95.2

      98.7

      99.5

      100

      North West

      Rural

      773.5

      40.9

      63.2

      92

      97.5

      100

      North West

      Urban

      6594

      93.2

      99.5

      100

      100

      100

      North West

      Overall

      7367.5

      87.7

      95.7

      99.2

      99.7

      100

      South East

      Rural

      1892.1

      35.7

      58.4

      93.2

      99.8

      100

      South East

      Urban

      7325.1

      90.7

      98.9

      100

      100

      100

      South East

      Overall

      9217.3

      79.4

      90.6

      98.6

      100

      100

      South West

      Rural

      1805.3

      35.5

      52.7

      87.1

      97.6

      100

      South West

      Urban

      3853.8

      91.7

      99.3

      100

      100

      100

      South West

      Overall

      5659.1

      73.8

      84.4

      95.9

      99.2

      100

      West Midlands

      Rural

      910.3

      34.5

      52.8

      85.9

      97.5

      100

      West Midlands

      Urban

      5051.6

      94.6

      99.6

      100

      100

      100

      West Midlands

      Overall

      5961.9

      85.4

      92.5

      97.8

      99.6

      100

      Yorkshire and The Humber

      Rural

      957.8

      42.5

      61.3

      87.2

      97

      100

      Yorkshire and The Humber

      Urban

      4568.6

      92.4

      99.4

      100

      100

      100

      Yorkshire and The Humber

      Overall

      5526.4

      83.7

      92.8

      97.8

      99.5

      100

      England overall

      Rural

      9962.7

      39

      58.6

      89.8

      98.3

      100

      England overall

      Urban

      46587.4

      93.5

      99.4

      100

      100

      100

      England overall

      Overall

      56550.1

      83.9

      92.2

      98.2

      99.7

      100

      Northern Ireland

      Rural

      709.3

      25.7

      47.8

      90

      98.8

      100

      Northern Ireland

      Urban

      1186.2

      88.4

      98.7

      99.9

      100

      100

      Northern Ireland

      Overall

      1895.5

      64.9

      79.6

      96.2

      99.5

      100

      Scotland

      Rural

      974.8

      33.2

      45.5

      72.5

      86.3

      96.1

      Scotland

      Urban

      4491.2

      94.9

      99.8

      100

      100

      100

      Scotland

      Overall

      5466

      83.9

      90.1

      95.1

      97.6

      99.3

      Wales

      Rural

      1031.5

      39.5

      58

      83.7

      94.4

      99.9

      Wales

      Urban

      2138.1

      86.2

      98.3

      100

      100

      100

      Wales

      Overall

      3169.6

      71

      85.2

      94.7

      98.2

      100

      UK overall

      Rural

      12678.2

      37.9

      57

      87.9

      97.1

      99.7

      UK overall

      Urban

      54403

      93.3

      99.4

      100

      100

      100

      UK overall

      Overall

      67081.2

      82.8

      91.4

      97.7

      99.4

      99.9

      All ATMs - 2021 Q3

      Geographic area

      Rural / Urban

      Population, 000's

      Distance, km

      Distance 2km

      Distance 5km

      Distance 8km

      Distance 16km

      East Midlands

      Rural

      1297.2

      46

      66.2

      92

      99

      100

      East Midlands

      Urban

      3568.4

      94.7

      99.4

      100

      100

      100

      East Midlands

      Overall

      4865.6

      81.7

      90.6

      97.9

      99.7

      100

      East of England

      Rural

      1814.7

      42.6

      61.6

      92.8

      99.4

      100

      East of England

      Urban

      4454.5

      93.5

      99.3

      100

      100

      100

      East of England

      Overall

      6269.2

      78.8

      88.4

      97.9

      99.8

      100

      London

      Rural

      16.6

      58

      88.2

      100

      100

      100

      London

      Urban

      8985.9

      99.4

      100

      100

      100

      100

      London

      Overall

      9002.5

      99.3

      100

      100

      100

      100

      North East

      Rural

      495.3

      63.2

      80.2

      93.5

      97.8

      99.8

      North East

      Urban

      2185.5

      97.3

      99.8

      100

      100

      100

      North East

      Overall

      2680.8

      91

      96.2

      98.8

      99.6

      100

      North West

      Rural

      773.5

      45.4

      67.4

      93

      98

      100

      North West

      Urban

      6594

      96.2

      99.7

      100

      100

      100

      North West

      Overall

      7367.5

      90.9

      96.3

      99.3

      99.8

      100

      South East

      Rural

      1892.1

      42

      64.7

      95.6

      99.9

      100

      South East

      Urban

      7325.1

      93.3

      99.3

      100

      100

      100

      South East

      Overall

      9217.3

      82.8

      92.2

      99.1

      100

      100

      South West

      Rural

      1805.3

      40.5

      59.5

      91.9

      99

      100

      South West

      Urban

      3853.8

      94

      99.5

      100

      100

      100

      South West

      Overall

      5659.1

      76.9

      86.7

      97.4

      99.7

      100

      West Midlands

      Rural

      910.3

      38.9

      57.7

      88.8

      98.1

      100

      West Midlands

      Urban

      5051.6

      96.8

      99.8

      100

      100

      100

      West Midlands

      Overall

      5961.9

      88

      93.4

      98.3

      99.7

      100

      Yorkshire and The Humber

      Rural

      957.8

      46.5

      65.5

      89.8

      98

      100

      Yorkshire and The Humber

      Urban

      4568.6

      95.2

      99.6

      100

      100

      100

      Yorkshire and The Humber

      Overall

      5526.4

      86.7

      93.7

      98.2

      99.6

      100

      England overall

      Rural

      9962.7

      43.9

      63.8

      92.5

      98.9

      100

      England overall

      Urban

      46587.4

      95.8

      99.6

      100

      100

      100

      England overall

      Overall

      56550.1

      86.7

      93.3

      98.7

      99.8

      100

      Northern Ireland

      Rural

      709.3

      26.8

      50.2

      91.7

      99

      100

      Northern Ireland

      Urban

      1186.2

      90.7

      98.8

      99.9

      100

      100

      Northern Ireland

      Overall

      1895.5

      66.8

      80.6

      96.8

      99.6

      100

      Scotland

      Rural

      974.8

      37.9

      50.4

      76.7

      89

      97.4

      Scotland

      Urban

      4491.2

      96.8

      99.8

      100

      100

      100

      Scotland

      Overall

      5466

      86.3

      91

      95.8

      98

      99.5

      Wales

      Rural

      1031.5

      46

      64.5

      88

      96.2

      99.9

      Wales

      Urban

      2138.1

      91.8

      99.3

      100

      100

      100

      Wales

      Overall

      3169.6

      76.9

      88

      96.1

      98.8

      100

      UK overall

      Rural

      12678.2

      42.6

      62.1

      90.8

      97.9

      99.8

      UK overall

      Urban

      54403

      95.6

      99.6

      100

      100

      100

      UK overall

      Overall

      67081.2

      85.6

      92.5

      98.3

      99.6

      100

      All free-to-use cash access points and cashback locations - 2021 Q3

      Geographic area

      Rural / Urban

      Population, 000's

      Distance, km

      Distance 2km

      Distance 5km

      Distance 8km

      Distance 16km

      East Midlands

      Rural

      1297.2

      80.6

      96.5

      100

      100

      100

      East Midlands

      Urban

      3568.4

      99.2

      100

      100

      100

      100

      East Midlands

      Overall

      4865.6

      94.2

      99

      100

      100

      100

      East of England

      Rural

      1814.7

      82.6

      97.5

      100

      100

      100

      East of England

      Urban

      4454.5

      99.5

      100

      100

      100

      100

      East of England

      Overall

      6269.2

      94.6

      99.3

      100

      100

      100

      London

      Rural

      16.6

      95.2

      100

      100

      100

      100

      London

      Urban

      8985.9

      100

      100

      100

      100

      100

      London

      Overall

      9002.5

      100

      100

      100

      100

      100

      North East

      Rural

      495.3

      85.9

      95.5

      99.5

      99.9

      100

      North East

      Urban

      2185.5

      99.6

      100

      100

      100

      100

      North East

      Overall

      2680.8

      97.1

      99.2

      99.9

      100

      100

      North West

      Rural

      773.5

      82.7

      96.1

      99.7

      100

      100

      North West

      Urban

      6594

      99.7

      100

      100

      100

      100

      North West

      Overall

      7367.5

      97.9

      99.6

      100

      100

      100

      South East

      Rural

      1892.1

      86.6

      98.8

      100

      100

      100

      South East

      Urban

      7325.1

      99.6

      100

      100

      100

      100

      South East

      Overall

      9217.3

      96.9

      99.7

      100

      100

      100

      South West

      Rural

      1805.3

      80.4

      96.4

      100

      100

      100

      South West

      Urban

      3853.8

      99.5

      100

      100

      100

      100

      South West

      Overall

      5659.1

      93.4

      98.8

      100

      100

      100

      West Midlands

      Rural

      910.3

      78.7

      96.3

      100

      100

      100

      West Midlands

      Urban

      5051.6

      99.8

      100

      100

      100

      100

      West Midlands

      Overall

      5961.9

      96.6

      99.4

      100

      100

      100

      Yorkshire and The Humber

      Rural

      957.8

      80

      95.1

      99.8

      100

      100

      Yorkshire and The Humber

      Urban

      4568.6

      99.6

      100

      100

      100

      100

      Yorkshire and The Humber

      Overall

      5526.4

      96.2

      99.1

      100

      100

      100

      England overall

      Rural

      9962.7

      82.3

      96.9

      99.9

      100

      100

      England overall

      Urban

      46587.4

      99.7

      100

      100

      100

      100

      England overall

      Overall

      56550.1

      96.6

      99.4

      100

      100

      100

      Northern Ireland

      Rural

      709.3

      56.4

      86

      99.4

      100

      100

      Northern Ireland

      Urban

      1186.2

      97.9

      99.9

      100

      100

      100

      Northern Ireland

      Overall

      1895.5

      82.4

      94.7

      99.8

      100

      100

      Scotland

      Rural

      974.8

      65.6

      82.3

      97

      99.3

      100

      Scotland

      Urban

      4491.2

      99.8

      100

      100

      100

      100

      Scotland

      Overall

      5466

      93.7

      96.8

      99.5

      99.9

      100

      Wales

      Rural

      1031.5

      74.4

      91.6

      99.4

      99.9

      100

      Wales

      Urban

      2138.1

      98.5

      99.9

      100

      100

      100

      Wales

      Overall

      3169.6

      90.7

      97.2

      99.8

      100

      100

      UK overall

      Rural

      12678.2

      78.9

      94.7

      99.6

      99.9

      100

      UK overall

      Urban

      54403

      99.6

      100

      100

      100

      100

      UK overall

      Overall

      67081.2

      95.7

      99

      99.9

      100

      100

      All cash access points and cashback locations - 2021 Q3

      Geographic area

      Rural / Urban

      Population, 000's

      Distance, km

      Distance 2km

      Distance 5km

      Distance 8km

      Distance 16km

      East Midlands

      Rural

      1297.2

      80.6

      96.5

      100

      100

      100

      East Midlands

      Urban

      3568.4

      99.2

      100

      100

      100

      100

      East Midlands

      Overall

      4865.6

      94.3

      99

      100

      100

      100

      East of England

      Rural

      1814.7

      82.6

      97.5

      100

      100

      100

      East of England

      Urban

      4454.5

      99.5

      100

      100

      100

      100

      East of England

      Overall

      6269.2

      94.6

      99.3

      100

      100

      100

      London

      Rural

      16.6

      95.2

      100

      100

      100

      100

      London

      Urban

      8985.9

      100

      100

      100

      100

      100

      London

      Overall

      9002.5

      100

      100

      100

      100

      100

      North East

      Rural

      495.3

      85.9

      95.5

      99.5

      99.9

      100

      North East

      Urban

      2185.5

      99.6

      100

      100

      100

      100

      North East

      Overall

      2680.8

      97.1

      99.2

      99.9

      100

      100

      North West

      Rural

      773.5

      82.7

      96.1

      99.7

      100

      100

      North West

      Urban

      6594

      99.7

      100

      100

      100

      100

      North West

      Overall

      7367.5

      97.9

      99.6

      100

      100

      100

      South East

      Rural

      1892.1

      86.7

      98.8

      100

      100

      100

      South East

      Urban

      7325.1

      99.6

      100

      100

      100

      100

      South East

      Overall

      9217.3

      96.9

      99.7

      100

      100

      100

      South West

      Rural

      1805.3

      80.4

      96.4

      100

      100

      100

      South West

      Urban

      3853.8

      99.5

      100

      100

      100

      100

      South West

      Overall

      5659.1

      93.4

      98.8

      100

      100

      100

      West Midlands

      Rural

      910.3

      78.7

      96.3

      100

      100

      100

      West Midlands

      Urban

      5051.6

      99.8

      100

      100

      100

      100

      West Midlands

      Overall

      5961.9

      96.6

      99.4

      100

      100

      100

      Yorkshire and The Humber

      Rural

      957.8

      80

      95.1

      99.8

      100

      100

      Yorkshire and The Humber

      Urban

      4568.6

      99.6

      100

      100

      100

      100

      Yorkshire and The Humber

      Overall

      5526.4

      96.2

      99.1

      100

      100

      100

      England overall

      Rural

      9962.7

      82.3

      96.9

      99.9

      100

      100

      England overall

      Urban

      46587.4

      99.7

      100

      100

      100

      100

      England overall

      Overall

      56550.1

      96.6

      99.4

      100

      100

      100

      Northern Ireland

      Rural

      709.3

      56.5

      86

      99.4

      100

      100

      Northern Ireland

      Urban

      1186.2

      97.9

      99.9

      100

      100

      100

      Northern Ireland

      Overall

      1895.5

      82.4

      94.7

      99.8

      100

      100

      Scotland

      Rural

      974.8

      65.6

      82.3

      97

      99.3

      100

      Scotland

      Urban

      4491.2

      99.8

      100

      100

      100

      100

      Scotland

      Overall

      5466

      93.7

      96.8

      99.5

      99.9

      100

      Wales

      Rural

      1031.5

      74.4

      91.6

      99.4

      99.9

      100

      Wales

      Urban

      2138.1

      98.6

      99.9

      100

      100

      100

      Wales

      Overall

      3169.6

      90.7

      97.2

      99.8

      100

      100

      UK overall

      Rural

      12678.2

      78.9

      94.7

      99.6

      99.9

      100

      UK overall

      Urban

      54403

      99.6

      100

      100

      100

      100

      UK overall

      Overall

      67081.2

      95.7

      99

      99.9

      100

      100

      All ATMs and cashback locations - 2021 Q3

      Geographic area

      Rural / Urban

      Population, 000's

      Distance, km

      Distance 2km

      Distance 5km

      Distance 8km

      Distance 16km

      East Midlands

      Rural

      1297.2

      80.2

      96.2

      100

      100

      100

      East Midlands

      Urban

      3568.4

      99.2

      100

      100

      100

      100

      East Midlands

      Overall

      4865.6

      94.1

      99

      100

      100

      100

      East of England

      Rural

      1814.7

      82.2

      97.3

      100

      100

      100

      East of England

      Urban

      4454.5

      99.5

      100

      100

      100

      100

      East of England

      Overall

      6269.2

      94.5

      99.2

      100

      100

      100

      London

      Rural

      16.6

      95.2

      100

      100

      100

      100

      London

      Urban

      8985.9

      100

      100

      100

      100

      100

      London

      Overall

      9002.5

      100

      100

      100

      100

      100

      North East

      Rural

      495.3

      85.3

      95.3

      99.4

      99.9

      100

      North East

      Urban

      2185.5

      99.6

      100

      100

      100

      100

      North East

      Overall

      2680.8

      97

      99.1

      99.9

      100

      100

      North West

      Rural

      773.5

      82.2

      95.8

      99.7

      100

      100

      North West

      Urban

      6594

      99.7

      100

      100

      100

      100

      North West

      Overall

      7367.5

      97.9

      99.5

      100

      100

      100

      South East

      Rural

      1892.1

      86.4

      98.7

      100

      100

      100

      South East

      Urban

      7325.1

      99.6

      100

      100

      100

      100

      South East

      Overall

      9217.3

      96.9

      99.7

      100

      100

      100

      South West

      Rural

      1805.3

      80.1

      96.2

      100

      100

      100

      South West

      Urban

      3853.8

      99.5

      100

      100

      100

      100

      South West

      Overall

      5659.1

      93.3

      98.8

      100

      100

      100

      West Midlands

      Rural

      910.3

      78

      96.1

      100

      100

      100

      West Midlands

      Urban

      5051.6

      99.8

      100

      100

      100

      100

      West Midlands

      Overall

      5961.9

      96.5

      99.4

      100

      100

      100

      Yorkshire and The Humber

      Rural

      957.8

      79.6

      94.8

      99.8

      100

      100

      Yorkshire and The Humber

      Urban

      4568.6

      99.5

      100

      100

      100

      100

      Yorkshire and The Humber

      Overall

      5526.4

      96.1

      99.1

      100

      100

      100

      England overall

      Rural

      9962.7

      81.9

      96.7

      99.9

      100

      100

      England overall

      Urban

      46587.4

      99.6

      100

      100

      100

      100

      England overall

      Overall

      56550.1

      96.5

      99.4

      100

      100

      100

      Northern Ireland

      Rural

      709.3

      56.1

      85.5

      99.3

      100

      100

      Northern Ireland

      Urban

      1186.2

      97.9

      99.9

      100

      100

      100

      Northern Ireland

      Overall

      1895.5

      82.3

      94.5

      99.7

      100

      100

      Scotland

      Rural

      974.8

      64.3

      81.2

      96.8

      99.2

      99.9

      Scotland

      Urban

      4491.2

      99.8

      100

      100

      100

      100

      Scotland

      Overall

      5466

      93.4

      96.6

      99.4

      99.9

      100

      Wales

      Rural

      1031.5

      73.5

      90.7

      99.3

      99.9

      100

      Wales

      Urban

      2138.1

      98.5

      99.9

      100

      100

      100

      Wales

      Overall

      3169.6

      90.4

      96.9

      99.8

      100

      100

      UK overall

      Rural

      12678.2

      78.4

      94.4

      99.6

      99.9

      100

      UK overall

      Urban

      54403

      99.6

      100

      100

      100

      100

      UK overall

      Overall

      67081.2

      95.6

      98.9

      99.9

      100

      100

      Post Office branches excluding outreach and mobile - 2021 Q3

      Geographic area

      Rural / Urban

      Population, 000's

      Distance, km

      Distance 2km

      Distance 5km

      Distance 8km

      Distance 16km

      East Midlands

      Rural

      1297.2

      43

      66.8

      94.5

      99.5

      100

      East Midlands

      Urban

      3568.4

      79.1

      98.5

      100

      100

      100

      East Midlands

      Overall

      4865.6

      69.4

      90

      98.5

      99.9

      100

      East of England

      Rural

      1814.7

      42.5

      66.6

      97

      99.9

      100

      East of England

      Urban

      4454.5

      78.6

      98.2

      100

      100

      100

      East of England

      Overall

      6269.2

      68.1

      89.1

      99.1

      100

      100

      London

      Rural

      16.6

      44.7

      79.2

      100

      100

      100

      London

      Urban

      8985.9

      92.9

      99.9

      100

      100

      100

      London

      Overall

      9002.5

      92.8

      99.9

      100

      100

      100

      North East

      Rural

      495.3

      54.3

      76.3

      94.7

      98.5

      100

      North East

      Urban

      2185.5

      82.4

      99.3

      100

      100

      100

      North East

      Overall

      2680.8

      77.2

      95.1

      99

      99.7

      100

      North West

      Rural

      773.5

      40.9

      66

      95.3

      99.3

      100

      North West

      Urban

      6594

      82.9

      98.9

      100

      100

      100

      North West

      Overall

      7367.5

      78.5

      95.5

      99.5

      99.9

      100

      South East

      Rural

      1892.1

      40.5

      67.7

      98.5

      100

      100

      South East

      Urban

      7325.1

      76.6

      97.8

      100

      100

      100

      South East

      Overall

      9217.3

      69.2

      91.6

      99.7

      100

      100

      South West

      Rural

      1805.3

      40

      63.6

      95.6

      99.8

      100

      South West

      Urban

      3853.8

      78.5

      97.8

      100

      100

      100

      South West

      Overall

      5659.1

      66.2

      86.9

      98.6

      99.9

      100

      West Midlands

      Rural

      910.3

      35.8

      59.6

      95.1

      99.9

      100

      West Midlands

      Urban

      5051.6

      84.3

      99.2

      100

      100

      100

      West Midlands

      Overall

      5961.9

      76.9

      93.1

      99.2

      100

      100

      Yorkshire and The Humber

      Rural

      957.8

      45.3

      67.5

      94.1

      98.9

      100

      Yorkshire and The Humber

      Urban

      4568.6

      81.6

      98.7

      100

      100

      100

      Yorkshire and The Humber

      Overall

      5526.4

      75.3

      93.3

      99

      99.8

      100

      England overall

      Rural

      9962.7

      41.8

      66.2

      96

      99.6

      100

      England overall

      Urban

      46587.4

      82.8

      98.8

      100

      100

      100

      England overall

      Overall

      56550.1

      75.5

      93

      99.3

      99.9

      100

      Northern Ireland

      Rural

      709.3

      24.5

      49.2

      92.7

      99.5

      100

      Northern Ireland

      Urban

      1186.2

      76.8

      97

      100

      100

      100

      Northern Ireland

      Overall

      1895.5

      57.2

      79.1

      97.3

      99.8

      100

      Scotland

      Rural

      974.8

      34.7

      47.3

      79

      94

      99.7

      Scotland

      Urban

      4491.2

      77.9

      97.2

      99.8

      100

      100

      Scotland

      Overall

      5466

      70.2

      88.3

      96.1

      98.9

      99.9

      Wales

      Rural

      1031.5

      44

      66.6

      93.1

      98.7

      100

      Wales

      Urban

      2138.1

      79.6

      98

      100

      100

      100

      Wales

      Overall

      3169.6

      68

      87.8

      97.8

      99.6

      100

      UK overall

      Rural

      12678.2

      40.5

      63.8

      94.3

      99.1

      100

      UK overall

      Urban

      54403

      82.1

      98.6

      100

      100

      100

      UK overall

      Overall

      67081.2

      74.2

      92

      98.9

      99.8

      100

      All Post Office branches - 2021 Q3

      Geographic area

      Rural / Urban

      Population, 000's

      Distance, km

      Distance 2km

      Distance 5km

      Distance 8km

      Distance 16km

      East Midlands

      Rural

      1297.2

      48.4

      74.9

      99

      100

      100

      East Midlands

      Urban

      3568.4

      79.3

      98.6

      100

      100

      100

      East Midlands

      Overall

      4865.6

      71

      92.3

      99.7

      100

      100

      East of England

      Rural

      1814.7

      48.1

      75.3

      99.1

      100

      100

      East of England

      Urban

      4454.5

      78.7

      98.3

      100

      100

      100

      East of England

      Overall

      6269.2

      69.8

      91.7

      99.7

      100

      100

      London

      Rural

      16.6

      44.7

      79.2

      100

      100

      100

      London

      Urban

      8985.9

      92.9

      99.9

      100

      100

      100

      London

      Overall

      9002.5

      92.8

      99.9

      100

      100

      100

      North East

      Rural

      495.3

      64

      86.1

      98.6

      99.7

      100

      North East

      Urban

      2185.5

      83.4

      99.4

      100

      100

      100

      North East

      Overall

      2680.8

      79.8

      97

      99.7

      99.9

      100

      North West

      Rural

      773.5

      47.2

      75.6

      98.6

      99.8

      100

      North West

      Urban

      6594

      83.3

      99.1

      100

      100

      100

      North West

      Overall

      7367.5

      79.5

      96.6

      99.9

      100

      100

      South East

      Rural

      1892.1

      45.7

      75.1

      99.6

      100

      100

      South East

      Urban

      7325.1

      77.2

      98.2

      100

      100

      100

      South East

      Overall

      9217.3

      70.7

      93.5

      99.9

      100

      100

      South West

      Rural

      1805.3

      46

      73.7

      99

      100

      100

      South West

      Urban

      3853.8

      79.3

      98.2

      100

      100

      100

      South West

      Overall

      5659.1

      68.7

      90.4

      99.7

      100

      100

      West Midlands

      Rural

      910.3

      42.4

      69.3

      98.4

      100

      100

      West Midlands

      Urban

      5051.6

      84.4

      99.3

      100

      100

      100

      West Midlands

      Overall

      5961.9

      78

      94.7

      99.8

      100

      100

      Yorkshire and The Humber

      Rural

      957.8

      51.2

      75.9

      98.1

      99.7

      100

      Yorkshire and The Humber

      Urban

      4568.6

      82.4

      99

      100

      100

      100

      Yorkshire and The Humber

      Overall

      5526.4

      77

      95

      99.7

      99.9

      100

      England overall

      Rural

      9962.7

      47.8

      75

      98.9

      99.9

      100

      England overall

      Urban

      46587.4

      83.1

      99

      100

      100

      100

      England overall

      Overall

      56550.1

      76.9

      94.7

      99.8

      100

      100

      Northern Ireland

      Rural

      709.3

      25.9

      52.6

      95.1

      99.8

      100

      Northern Ireland

      Urban

      1186.2

      76.8

      97

      100

      100

      100

      Northern Ireland

      Overall

      1895.5

      57.8

      80.4

      98.1

      99.9

      100

      Scotland

      Rural

      974.8

      45.5

      60.5

      90.2

      97.5

      99.8

      Scotland

      Urban

      4491.2

      79.3

      98.1

      99.9

      100

      100

      Scotland

      Overall

      5466

      73.2

      91.4

      98.2

      99.6

      100

      Wales

      Rural

      1031.5

      49.9

      75.4

      97.5

      99.6

      100

      Wales

      Urban

      2138.1

      81.9

      98.7

      100

      100

      100

      Wales

      Overall

      3169.6

      71.5

      91.1

      99.2

      99.9

      100

      UK overall

      Rural

      12678.2

      46.6

      72.7

      97.9

      99.7

      100

      UK overall

      Urban

      54403

      82.6

      98.8

      100

      100

      100

      UK overall

      Overall

      67081.2

      75.8

      93.9

      99.6

      99.9

      100

      Download Table 3 data (xlsx)

      Figure 1 shows 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 without 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 Q3

       

      View the maps in Tableau Public

      3. Other insights

      3.1. Temporary closures

      About 14% of type A (larger PCA providers) and 9% of type B (other) bank and building society branches were temporarily closed for at least 1 day during the third quarter of 2021 due to coronavirus (Covid-19) and other reasons. Of branches which had temporary closures of at least 1 day, a typical (median) branch of type A or B was closed for 3 and 2 days respectively, with the average number of temporary closure days across type A and B branches being 7.

      Temporary closures of mobile branches (type D) have been significantly more common than for physical branches. However, there has been a large decline in the level and length of temporary closures since Q2. During Q3 about 60% of mobile branches were temporarily closed. The average and median number of temporary closure days were 2 and 3 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 third quarter of 2021, 86% of type A and 58% of type B bank and building society branches were operating on reduced hours compared  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 92% (87% in Q2) of type A (larger PCA providers) branches remain open after 2pm Monday to Friday, and over 74% (70% in Q1) after 3pm. On average, type A and B branches are open 35 hours per week There were only slight changes in opening hours of Post Office branches from Q2 to Q3.

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

      Graph: Percentages of branches open at a given time by branch type - Access to cash data 2021 Q3

      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 (see note 12).

      Of the brick-and-mortar bank and building society branches, 62% of type A (larger PCA providers) and 54% of type B (other) branches have all 3 characteristics. Excluding the branches for which some values are unreported, these percentages become 87% and 75% respectively. 78% of Post Office (excluding mobile and outreach) branches have both wheelchair and a hearing/induction loop. This increases to 100% if we exclude branches for which some values are unreported. 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 94.4 5.6 67.1 4.3 28.6 97.3 2.7
      Excluding unreported 94.4 5.6 x 94.0 6.0 x 97.3 2.7 x
      B: All other banks and building societies (brick-and-mortar branches)  All data 76.6 4.9 18.4 67.3 6.9 25.8 65.6 16.0 18.3
      Excluding unreported 93.9 6.1 x 90.7 9.3 x 80.4 19.6 x
      C: Post Office branches excluding mobile/ outreach  All data 81.0 19.0 100 85.4 14.6
      Excluding unreported 100 x x x x 100 x
      D: Mobile bank branches  All data 42.6 37.8 19.6 80.4 19.6 80.4 19.6
      Excluding unreported 53.0 47.0 x 100 x 100 x
      E: Mobile/ outreach Post Office branches All data 21.8 78.2 100 22.1 77.9
      Excluding unreported 100 x x x x 100 x

      Download Table 4 data (xlsx)

      4. Attributions

      In addition to the data collected from banks, building societies, and the Post Office, the analysis uses 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.