Access to cash coverage in the UK 2021 Q4

This is an overview of geographical cash access coverage in the UK at the end of the fourth quarter (October to December) of 2021.

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.

Note 1

Relative to analogous travel distance, the approach based on straight line distances is likely to overestimate coverage and underestimate the areas with no coverage. The effect is likely to be more important for longer, non-walkable distances. All computations are performed in the British National Grid (OSGB 1936[1]) projection.

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

For the UK, estimates of coverage at 2km and 5km for all access points, including free-to use access points only, have not changed since 2021 Q2. This applies to the UK population overall, as well as rural and urban populations separately. It also applies whether we include or exclude cashback. However, there has been changes in the type of access points available over this time. Between 2021 Q3 and 2021 Q4:

The number of brick-and-mortar branches of the larger banks and building societies providing personal current accounts (PCA) continued to fall, as 82 (1.5%) ceased to provide services. This brings the total reduction in these branches to 573 since 2021 Q1, a reduction of 9.8%.
The share of the UK population living within 2km of a large PCA provider brick-and-mortar branch fell by 0.3 percentage points from 59.6% to 59.3%. The share living within 5km fell by 0.2 percentage points, from 87.4% to 87.2%. Coverage of such branches has consistently declined since 2021 Q1 when it was 61.8% at 2km and 88% at 5km.
There was a small decrease in the availability of Post Office branches (1%) and number of free-to-use ATMs (<1%) between Q3 and Q4, although this had negligible impacts on overall cash access coverage.

Our analysis of other access characteristics finds that:

Temporary closures in 2021 Q4 were much more common than in 2021 Q3 for both Type A (brick-and-mortar branches of a larger PCA provider) and Type B (brick-and-mortar bank and building society branches offering limited deposit and withdrawal services). For branches that had temporary closures of 1 day or more, the typical (median) length of closure remained the same for Type A branches (2 days) but fell for Type B branches (1 day).
In 2021 Q4 average opening hours for branches (bank and building society brick-and-mortar) remained broadly unchanged at around 35 hours a week. However, around 91.5% of these branches were operating on reduced opening hours compared to February 2020 (up from 86% in Q3).
Of brick-and-mortar bank and building society branches, 63.2% of larger PCA providers and 51.3% of other branches reported that they are wheelchair accessible, have step-free access and have a hearing/induction loop, a 1 percentage point increase for the former and a 3 percentage point decrease for the latter when compared to 2021 Q3. 86.8% of Post Office branches (excluding mobile and outreach branches) have both wheelchair access and a hearing/induction loop, an increase of 8 percentage points from 2021 Q3.

2. Coverage

The data comprises 71,727 known UK cash access points and 429,482 cashback locations. Table 1 shows numbers by region for 8 types of access points (see notes 2, 3, and 4):

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, a building society that specialises in mortgages or 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 being typically open for a small number of hours 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	Northern Ireland	Scotland	Wales	UK Total
A	Larger banks and building societies providing PCA (brick-and-mortar branches)	330	494	731	200	531	760	470	435	371	172	511	288	5293
B	All other banks and building societies (brick-and-mortar branches)	98	67	53	49	94	69	76	127	99	33	36	105	906
C	Post Office branches excluding mobile/ outreach	721	958	673	398	960	1223	982	799	799	458	1043	706	9720
D	Mobile bank branches	23	22		5	27	58	95	10	10	13	419	95	777
E	Mobile/ outreach Post Office branches	154	187		96	140	152	266	111	144	39	273	256	1818
F	Free-to-use ATMs	2881	3375	5534	1798	4526	5096	3136	3512	3488	1447	4047	1920	40760
G	Pay-to-use ATMs	744	949	1928	626	1630	1279	789	1396	926	371	1139	676	12453
H	Cashback locations	29745	40758	56448	15505	46835	60967	42088	35174	34260	10727	36694	20281	429482
All sources excluding cashback		4951	6052	8919	3172	7908	8637	5814	6390	5837	2533	7468	4046	71727
All sources including cashback		34696	46810	65367	18677	54743	69604	47902	41564	40097	13260	44162	24327	501209

Download Table 1[2] (XLSX)

Notes 2, 3, and 4

The counts in Table 1 are for all known access points. The number of unique locations offering access will be smaller because, for example, a typical branch will have one or more internal and/or one or more external ATMs, and these are counted separately. This does not apply to cashback vendor locations as only unique locations are counted (see also note 4). There are no mobile bank branches or mobile/ outreach Post Office branches in London.
Cashback locations are the unique locations of vendors which are known to have offered cashback at some point in 2020 to customers using either a Mastercard or a Visa card. There could be other merchants offering cashback not included in this dataset, either because no transaction involving cashback took place or because such transactions did not involve Visa or Mastercard.
While we have made every effort to ensure the dataset is complete and up to date, there may still be some omissions or other discrepancies. This dataset does not include ATMs that were temporarily closed due to Covid-19 restrictions at the time the data was collected. Data on some smaller banking companies may be missing, and not all recent branch closures, openings or other changes may have been reflected. Of the Post Office branches, we included only those classified by the Post Office as active at the time the data was collected.

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, 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 71,727 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
Group	Description	A	B	C	D	E	F	G	H	Number of entries
1	Larger banks and building societies providing PCA: brick-and-mortar branches	x								5293
2	Larger banks and building societies providing PCA and Post Office: brick-and-mortar branches	x		x						15013
3	Larger banks and building societies providing PCA, and Post Office: all branches, including mobile	x		x	x	x				17608
4	Post Office, larger banks and building societies providing PCA (all branches), and free-to-use ATMs	x		x	x	x	x			58368
5	Post Office, larger banks and building societies providing PCA (all branches), and all ATMs	x		x	x	x	x	x		70821
6	All free-to-use cash access points (excluding cashback)	x	x	x	x	x	x			59274
7	All cash access points (excluding cashback)	x	x	x	x	x	x	x		71727
8	Free-to-use ATMs						x			40760
9	All ATMs						x	x		53213
10	All free-to-use cash access points and cashback locations	x	x	x	x	x	x		x	488756
11	All cash access points and cashback locations	x	x	x	x	x	x	x	x	501209
12	All ATMs and cashback locations						x	x	x	482695
13	Post Office branches excluding outreach and mobile			x						9720
14	All Post Office branches			x		x				11538

Estimated percentages of the UK population living within a given distance from a cash access point are shown in Table 3 (see notes 5, 6, and 7). 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 8).

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

Notes 5, 6, 7 and 8

All population estimates are based on 2011 census output area (OA) geographies (small areas in Northern Ireland), mid-2020 estimates of the usual resident population for OAs in England, Northern Ireland, and Wales, and for Data Zones in Scotland. Population estimates for OAs in Scotland are obtained by proportionally adjusting the 2011 census estimates using the aggregate mid-2020 population estimates for Data Zones. We compute the population estimates for arbitrary areas based on the assumption that population density is uniform over each OA. For ease of reference, columns ‘Population, 000’s’ in Table 3 reproduce these population estimates (in thousands) for all included areas.
While we have made every effort to get precise locations of all access points, some locations are precise to their respective postcode centroids only. In most cases the locations used in this analysis are those supplied by banks, building societies, the Post Office, the LINK Scheme Ltd, Visa, and Mastercard.
All estimates in Table 3 are reported to 1 decimal place precision. For some groups the estimates are very similar or nearly identical, for example those for groups 7 (all cash access points) and 5 (all except type B). This is because many cash access points, particularly bank and building society branches, tend to cluster around settlement centres.
The definitions used for rural-urban classification differ between England and Wales, Scotland and Northern Ireland. In the case of Northern Ireland, for simplicity, we have reallocated the 165 out of 4,537 small areas originally assigned to a mixed rural/urban category to either rural or urban category based on their band. We have allocated bands A-E as urban and F-H as rural; see NISRA Urban-Rural Classification 2015[3] for more details.

Table 3: Percentages of the UK population that have access to a source of cash within a given distance as of 2021 Q4 (Groups 1-14)

Larger banks and building societies providing PCA: brick-and-mortar branches - 2021 Q4

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	31.4	68.7	96.8	99.5	99.7
East Midlands	Overall	4865.6	24.2	52.6	80.6	92.1	99.4
East of England	Rural	1814.7	5.8	10.4	41.6	75.3	99.9
East of England	Urban	4454.5	29.7	66.4	97.6	99.4	100
East of England	Overall	6269.2	22.8	50.2	81.4	92.4	100
London	Rural	16.6	0.8	17.5	98.8	100	100
London	Urban	8985.9	51	89.1	100	100	100
London	Overall	9002.5	50.9	88.9	100	100	100
North East	Rural	495.3	7.2	12.6	64.4	87.9	98.2
North East	Urban	2185.5	26.9	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	58.8	84.4	99.4
North West	Urban	6594	27.8	66.9	97.8	99.9	100
North West	Overall	7367.5	25.9	61.7	93.7	98.3	99.9
South East	Rural	1892.1	5	9.7	49.4	83.8	100
South East	Urban	7325.1	29.6	64.8	97.1	99.5	100
South East	Overall	9217.3	24.5	53.5	87.3	96.3	100
South West	Rural	1805.3	8.2	13.9	42.5	72.8	99.1
South West	Urban	3853.8	35.9	71.6	96.3	99.6	100
South West	Overall	5659.1	27.1	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	72.9	98.7	100	100
West Midlands	Overall	5961.9	27.1	63.2	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	27.5	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	6.4	11.4	45.6	77.9	99.3
England overall	Urban	46587.4	33.9	71.3	97.9	99.7	100
England overall	Overall	56550.1	29.1	60.7	88.7	95.9	99.9
Northern Ireland	Rural	709.3	2.3	5.1	29.6	59	95.6
Northern Ireland	Urban	1186.2	35.7	74.8	96.3	99.1	100
Northern Ireland	Overall	1895.5	23.2	48.7	71.3	84.1	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	69.6	92.5
Wales	Urban	2138.1	27.8	59.6	95.6	99.9	100
Wales	Overall	3169.6	20.9	43.9	78	90.1	97.5
UK overall	Rural	12678.2	6	10.7	43.4	74.6	97.9
UK overall	Urban	54403	33.7	70.6	97.4	99.6	100
UK overall	Overall	67081.2	28.5	59.3	87.2	94.9	99.6

Larger banks and building societies providing PCA and Post Office: brick-and-mortar branches - 2021 Q4

Geographic area	Rural / Urban	Population, 000's	Distance, km	Distance 2km	Distance 5km	Distance 8km	Distance 16km
East Midlands	Rural	1297.2	43.2	66.8	94.5	99.5	100
East Midlands	Urban	3568.4	80.3	98.4	100	100	100
East Midlands	Overall	4865.6	70.4	90	98.5	99.9	100
East of England	Rural	1814.7	43	67.2	97.1	99.9	100
East of England	Urban	4454.5	80.4	98.4	100	100	100
East of England	Overall	6269.2	69.6	89.3	99.2	100	100
London	Rural	16.6	44.8	79.4	100	100	100
London	Urban	8985.9	94.1	99.9	100	100	100
London	Overall	9002.5	94	99.9	100	100	100
North East	Rural	495.3	54.5	76.2	95	99	100
North East	Urban	2185.5	82.8	99.3	100	100	100
North East	Overall	2680.8	77.5	95.1	99.1	99.8	100
North West	Rural	773.5	41.4	65.7	95.1	99.3	100
North West	Urban	6594	83.8	98.9	100	100	100
North West	Overall	7367.5	79.3	95.4	99.5	99.9	100
South East	Rural	1892.1	40.8	67.9	98.5	100	100
South East	Urban	7325.1	78.1	98	100	100	100
South East	Overall	9217.3	70.4	91.8	99.7	100	100
South West	Rural	1805.3	39.7	63.1	95.6	99.8	100
South West	Urban	3853.8	79.9	98.1	100	100	100
South West	Overall	5659.1	67.1	86.9	98.6	99.9	100
West Midlands	Rural	910.3	35.4	59.3	95	99.9	100
West Midlands	Urban	5051.6	85.8	99.2	100	100	100
West Midlands	Overall	5961.9	78.1	93.1	99.2	100	100
Yorkshire and The Humber	Rural	957.8	45	66.9	93.8	98.9	100
Yorkshire and The Humber	Urban	4568.6	82.1	98.6	100	100	100
Yorkshire and The Humber	Overall	5526.4	75.7	93.1	98.9	99.8	100
England overall	Rural	9962.7	42	66.1	96	99.7	100
England overall	Urban	46587.4	84	98.8	100	100	100
England overall	Overall	56550.1	76.6	93.1	99.3	99.9	100
Northern Ireland	Rural	709.3	24.4	49	92.7	99.5	100
Northern Ireland	Urban	1186.2	79.3	97.3	100	100	100
Northern Ireland	Overall	1895.5	58.7	79.2	97.3	99.8	100
Scotland	Rural	974.8	34	46.3	78.4	94.1	99.7
Scotland	Urban	4491.2	79.9	97.3	99.8	100	100
Scotland	Overall	5466	71.7	88.2	96	98.9	99.9
Wales	Rural	1031.5	43.8	66.2	93	98.7	100
Wales	Urban	2138.1	80.2	98.1	100	100	100
Wales	Overall	3169.6	68.3	87.7	97.7	99.6	100
UK overall	Rural	12678.2	40.5	63.7	94.2	99.1	100
UK overall	Urban	54403	83.4	98.6	100	100	100
UK overall	Overall	67081.2	75.3	92	98.9	99.8	100

Larger banks and building societies providing PCA and Post Office: all branches, including mobile - 2021 Q4

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	99	100	100
East Midlands	Urban	3568.4	80.6	98.6	100	100	100
East Midlands	Overall	4865.6	72.2	92.3	99.7	100	100
East of England	Rural	1814.7	48.8	76	99.2	100	100
East of England	Urban	4454.5	80.8	98.5	100	100	100
East of England	Overall	6269.2	71.5	92	99.8	100	100
London	Rural	16.6	44.8	79.4	100	100	100
London	Urban	8985.9	94.1	99.9	100	100	100
London	Overall	9002.5	94	99.9	100	100	100
North East	Rural	495.3	64.3	86.2	98.6	99.7	100
North East	Urban	2185.5	83.9	99.5	100	100	100
North East	Overall	2680.8	80.3	97	99.7	99.9	100
North West	Rural	773.5	47.8	75.9	98.6	99.8	100
North West	Urban	6594	84.3	99.2	100	100	100
North West	Overall	7367.5	80.4	96.7	99.8	100	100
South East	Rural	1892.1	46.4	75.4	99.6	100	100
South East	Urban	7325.1	78.9	98.4	100	100	100
South East	Overall	9217.3	72.2	93.7	99.9	100	100
South West	Rural	1805.3	46.6	73.5	98.9	100	100
South West	Urban	3853.8	81.1	98.4	100	100	100
South West	Overall	5659.1	70.1	90.5	99.7	100	100
West Midlands	Rural	910.3	42.5	69.5	98.5	100	100
West Midlands	Urban	5051.6	86	99.3	100	100	100
West Midlands	Overall	5961.9	79.3	94.8	99.8	100	100
Yorkshire and The Humber	Rural	957.8	51.2	75.5	97.9	99.7	100
Yorkshire and The Humber	Urban	4568.6	82.9	98.9	100	100	100
Yorkshire and The Humber	Overall	5526.4	77.4	94.9	99.6	99.9	100
England overall	Rural	9962.7	48.3	75.1	98.9	99.9	100
England overall	Urban	46587.4	84.5	99	100	100	100
England overall	Overall	56550.1	78.1	94.8	99.8	100	100
Northern Ireland	Rural	709.3	25.9	52.5	95.1	99.8	100
Northern Ireland	Urban	1186.2	79.3	97.3	100	100	100
Northern Ireland	Overall	1895.5	59.3	80.6	98.2	99.9	100
Scotland	Rural	974.8	46.9	62	90.9	97.9	99.8
Scotland	Urban	4491.2	81.8	98.3	100	100	100
Scotland	Overall	5466	75.6	91.8	98.4	99.6	100
Wales	Rural	1031.5	51.2	76	97.5	99.6	100
Wales	Urban	2138.1	83.9	98.8	100	100	100
Wales	Overall	3169.6	73.3	91.4	99.2	99.9	100
UK overall	Rural	12678.2	47.2	72.9	98	99.7	100
UK overall	Urban	54403	84.1	98.9	100	100	100
UK overall	Overall	67081.2	77.1	94	99.6	100	100

Post Office, larger banks and building societies providing PCA (all branches), and free-to-use ATMs - 2021 Q4

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	54.8	79.8	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	99.2	100	100	100	100
London	Overall	9002.5	99.1	100	100	100	100
North East	Rural	495.3	70.7	88.4	98.7	99.7	100
North East	Urban	2185.5	96.4	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	80.2	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	53.6	78.1	99.3	100	100
South West	Urban	3853.8	94.6	99.6	100	100	100
South West	Overall	5659.1	81.5	92.7	99.8	100	100
West Midlands	Rural	910.3	49.9	74.7	98.9	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	57.6	79.7	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	88.6	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	89.9	98.9	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	91.7	98	99.8
Scotland	Urban	4491.2	96.2	99.9	100	100	100
Scotland	Overall	5466	88.2	93.9	98.5	99.6	100
Wales	Rural	1031.5	55.6	78.4	97.6	99.6	100
Wales	Urban	2138.1	92	99.4	100	100	100
Wales	Overall	3169.6	80.1	92.6	99.2	99.9	100
UK overall	Rural	12678.2	53.4	77.4	98.3	99.8	100
UK overall	Urban	54403	95.5	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 Q4

Geographic area	Rural / Urban	Population, 000's	Distance, km	Distance 2km	Distance 5km	Distance 8km	Distance 16km
East Midlands	Rural	1297.2	57.5	80.9	99.2	100	100
East Midlands	Urban	3568.4	95.7	99.6	100	100	100
East Midlands	Overall	4865.6	85.5	94.6	99.8	100	100
East of England	Rural	1814.7	56.2	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	97.7	99.8	100	100	100
North East	Overall	2680.8	93.1	97.8	99.8	99.9	100
North West	Rural	773.5	56.1	81.1	98.8	99.8	100
North West	Urban	6594	97.1	99.8	100	100	100
North West	Overall	7367.5	92.8	97.8	99.9	100	100
South East	Rural	1892.1	55.9	82.3	99.8	100	100
South East	Urban	7325.1	95	99.7	100	100	100
South East	Overall	9217.3	86.9	96.1	100	100	100
South West	Rural	1805.3	55.2	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	76.4	98.9	100	100
West Midlands	Urban	5051.6	97.5	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	58.7	80.5	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	89.9	96.4	99.7	100	100
England overall	Rural	9962.7	56.7	80.8	99.2	99.9	100
England overall	Urban	46587.4	96.8	99.8	100	100	100
England overall	Overall	56550.1	89.8	96.4	99.9	100	100
Northern Ireland	Rural	709.3	30.4	58.3	96.6	99.8	100
Northern Ireland	Urban	1186.2	91.3	99	100	100	100
Northern Ireland	Overall	1895.5	68.5	83.7	98.7	99.9	100
Scotland	Rural	974.8	52.1	66.7	91.8	98	99.8
Scotland	Urban	4491.2	97.4	99.9	100	100	100
Scotland	Overall	5466	89.4	94	98.5	99.7	100
Wales	Rural	1031.5	57.4	79.3	97.7	99.7	100
Wales	Urban	2138.1	94.2	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 Q4

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	79.9	99.4	100	100
East of England	Urban	4454.5	93.7	99.5	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	99.2	100	100	100	100
London	Overall	9002.5	99.1	100	100	100	100
North East	Rural	495.3	70.7	88.4	98.7	99.7	100
North East	Urban	2185.5	96.4	99.8	100	100	100
North East	Overall	2680.8	91.7	97.7	99.8	99.9	100
North West	Rural	773.5	54.2	80.2	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	53.6	78.2	99.3	100	100
South West	Urban	3853.8	94.6	99.6	100	100	100
South West	Overall	5659.1	81.5	92.8	99.8	100	100
West Midlands	Rural	910.3	49.9	74.7	98.9	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	57.6	79.7	98.4	99.7	100
Yorkshire and The Humber	Urban	4568.6	95.1	99.7	100	100	100
Yorkshire and The Humber	Overall	5526.4	88.6	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	98.9	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	91.7	98	99.8
Scotland	Urban	4491.2	96.2	99.9	100	100	100
Scotland	Overall	5466	88.2	93.9	98.5	99.6	100
Wales	Rural	1031.5	55.7	78.4	97.6	99.6	100
Wales	Urban	2138.1	92.1	99.4	100	100	100
Wales	Overall	3169.6	80.2	92.6	99.2	99.9	100
UK overall	Rural	12678.2	53.5	77.4	98.3	99.8	100
UK overall	Urban	54403	95.5	99.7	100	100	100
UK overall	Overall	67081.2	87.6	95.5	99.7	100	100

All cash access points (excluding cashback) - 2021 Q4

Geographic area	Rural / Urban	Population, 000's	Distance, km	Distance 2km	Distance 5km	Distance 8km	Distance 16km
East Midlands	Rural	1297.2	57.6	80.9	99.2	100	100
East Midlands	Urban	3568.4	95.7	99.6	100	100	100
East Midlands	Overall	4865.6	85.5	94.6	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	83.9	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	72.7	88.7	98.7	99.7	100
North East	Urban	2185.5	97.7	99.8	100	100	100
North East	Overall	2680.8	93.1	97.8	99.8	99.9	100
North West	Rural	773.5	56.2	81.1	98.8	99.8	100
North West	Urban	6594	97.1	99.8	100	100	100
North West	Overall	7367.5	92.8	97.8	99.9	100	100
South East	Rural	1892.1	55.9	82.3	99.8	100	100
South East	Urban	7325.1	95	99.7	100	100	100
South East	Overall	9217.3	87	96.1	100	100	100
South West	Rural	1805.3	55.2	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	76.4	98.9	100	100
West Midlands	Urban	5051.6	97.5	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	58.7	80.5	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	89.9	96.4	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	30.5	58.3	96.6	99.8	100
Northern Ireland	Urban	1186.2	91.3	99	100	100	100
Northern Ireland	Overall	1895.5	68.5	83.7	98.7	99.9	100
Scotland	Rural	974.8	52.1	66.7	91.8	98	99.8
Scotland	Urban	4491.2	97.4	99.9	100	100	100
Scotland	Overall	5466	89.4	94	98.5	99.7	100
Wales	Rural	1031.5	57.4	79.3	97.7	99.7	100
Wales	Urban	2138.1	94.2	99.6	100	100	100
Wales	Overall	3169.6	82.3	93	99.3	99.9	100
UK overall	Rural	12678.2	55	78.4	98.4	99.8	100
UK overall	Urban	54403	96.7	99.8	100	100	100
UK overall	Overall	67081.2	88.8	95.7	99.7	100	100

Free-to-use ATMs - 2021 Q4

Geographic area	Rural / Urban	Population, 000's	Distance, km	Distance 2km	Distance 5km	Distance 8km	Distance 16km
East Midlands	Rural	1297.2	42.7	62.7	90.4	98.6	100
East Midlands	Urban	3568.4	92.2	99.1	100	100	100
East Midlands	Overall	4865.6	79	89.4	97.4	99.6	100
East of England	Rural	1814.7	38	56.3	89.5	98.8	100
East of England	Urban	4454.5	90.8	98.9	100	100	100
East of England	Overall	6269.2	75.5	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	56.5	75.5	92.7	97.2	99.8
North East	Urban	2185.5	94.1	99.6	100	100	100
North East	Overall	2680.8	87.2	95.2	98.6	99.5	100
North West	Rural	773.5	40.6	62.8	91.9	97.4	100
North West	Urban	6594	93.4	99.5	100	100	100
North West	Overall	7367.5	87.8	95.7	99.1	99.7	100
South East	Rural	1892.1	35.9	58.4	93.1	99.8	100
South East	Urban	7325.1	90.8	99	100	100	100
South East	Overall	9217.3	79.5	90.6	98.6	100	100
South West	Rural	1805.3	35.3	52.4	86.8	97.6	100
South West	Urban	3853.8	91.8	99.3	100	100	100
South West	Overall	5659.1	73.8	84.3	95.8	99.2	100
West Midlands	Rural	910.3	34.4	52.8	85.9	97.5	100
West Midlands	Urban	5051.6	94.5	99.6	100	100	100
West Midlands	Overall	5961.9	85.3	92.5	97.8	99.6	100
Yorkshire and The Humber	Rural	957.8	42.7	61.5	87.2	97	100
Yorkshire and The Humber	Urban	4568.6	92.6	99.4	100	100	100
Yorkshire and The Humber	Overall	5526.4	84	92.9	97.8	99.5	100
England overall	Rural	9962.7	39	58.5	89.6	98.3	100
England overall	Urban	46587.4	93.6	99.4	100	100	100
England overall	Overall	56550.1	84	92.2	98.2	99.7	100
Northern Ireland	Rural	709.3	25.6	47.6	89.9	98.8	100
Northern Ireland	Urban	1186.2	88.6	98.7	99.9	100	100
Northern Ireland	Overall	1895.5	65	79.6	96.2	99.5	100
Scotland	Rural	974.8	33.3	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	39.3	58	83.6	94.3	99.9
Wales	Urban	2138.1	86.5	98.3	100	100	100
Wales	Overall	3169.6	71.1	85.2	94.7	98.1	100
UK overall	Rural	12678.2	37.8	56.8	87.8	97.1	99.7
UK overall	Urban	54403	93.3	99.4	100	100	100
UK overall	Overall	67081.2	82.8	91.3	97.7	99.4	99.9

All ATMs - 2021 Q4

Geographic area	Rural / Urban	Population, 000's	Distance, km	Distance 2km	Distance 5km	Distance 8km	Distance 16km
East Midlands	Rural	1297.2	46	66.1	92.2	99	100
East Midlands	Urban	3568.4	94.6	99.4	100	100	100
East Midlands	Overall	4865.6	81.6	90.6	97.9	99.7	100
East of England	Rural	1814.7	42.4	61.3	92.6	99.4	100
East of England	Urban	4454.5	93.5	99.3	100	100	100
East of England	Overall	6269.2	78.7	88.3	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	99.4	100	100	100	100
North East	Rural	495.3	63.2	80.1	93.4	97.8	99.8
North East	Urban	2185.5	97.4	99.8	100	100	100
North East	Overall	2680.8	91.1	96.2	98.8	99.6	100
North West	Rural	773.5	45.4	67.3	92.9	97.9	100
North West	Urban	6594	96.3	99.7	100	100	100
North West	Overall	7367.5	90.9	96.3	99.3	99.8	100
South East	Rural	1892.1	41.9	64.6	95.7	99.9	100
South East	Urban	7325.1	93.4	99.3	100	100	100
South East	Overall	9217.3	82.8	92.2	99.1	100	100
South West	Rural	1805.3	40.4	59.2	91.6	99	100
South West	Urban	3853.8	93.9	99.5	100	100	100
South West	Overall	5659.1	76.8	86.6	97.3	99.7	100
West Midlands	Rural	910.3	39.1	57.9	88.7	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	46.2	64.7	89.1	97.8	100
Yorkshire and The Humber	Urban	4568.6	95.2	99.6	100	100	100
Yorkshire and The Humber	Overall	5526.4	86.7	93.5	98.1	99.6	100
England overall	Rural	9962.7	43.7	63.6	92.3	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	49.9	91.5	99	100
Northern Ireland	Urban	1186.2	90.7	98.8	99.9	100	100
Northern Ireland	Overall	1895.5	66.8	80.5	96.8	99.6	100
Scotland	Rural	974.8	38	50.3	76.6	88.9	97.3
Scotland	Urban	4491.2	96.9	99.8	100	100	100
Scotland	Overall	5466	86.4	91	95.8	98	99.5
Wales	Rural	1031.5	45.9	64.6	88	96.2	99.9
Wales	Urban	2138.1	92	99.3	100	100	100
Wales	Overall	3169.6	77	88	96.1	98.8	100
UK overall	Rural	12678.2	42.5	61.9	90.7	97.9	99.8
UK overall	Urban	54403	95.7	99.6	100	100	100
UK overall	Overall	67081.2	85.6	92.5	98.2	99.6	100

All free-to-use cash access points and cashback locations - 2021 Q4

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	97.1	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 Q4

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	97.1	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 Q4

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	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 Q4

Geographic area	Rural / Urban	Population, 000's	Distance, km	Distance 2km	Distance 5km	Distance 8km	Distance 16km
East Midlands	Rural	1297.2	42.8	66.6	94.5	99.5	100
East Midlands	Urban	3568.4	78.9	98.4	100	100	100
East Midlands	Overall	4865.6	69.3	89.9	98.5	99.9	100
East of England	Rural	1814.7	42	66.2	97	99.9	100
East of England	Urban	4454.5	78.6	98.3	100	100	100
East of England	Overall	6269.2	68	89	99.1	100	100
London	Rural	16.6	44.7	79.2	100	100	100
London	Urban	8985.9	92.5	99.9	100	100	100
London	Overall	9002.5	92.4	99.9	100	100	100
North East	Rural	495.3	54	75.9	94.7	98.5	100
North East	Urban	2185.5	81.3	99.3	100	100	100
North East	Overall	2680.8	76.2	95	99	99.7	100
North West	Rural	773.5	40.6	65.2	95.1	99.3	100
North West	Urban	6594	82.7	98.8	100	100	100
North West	Overall	7367.5	78.3	95.3	99.5	99.9	100
South East	Rural	1892.1	40.5	67.7	98.5	100	100
South East	Urban	7325.1	76.2	97.7	100	100	100
South East	Overall	9217.3	68.8	91.5	99.7	100	100
South West	Rural	1805.3	39.4	62.9	95.6	99.8	100
South West	Urban	3853.8	78.1	97.8	100	100	100
South West	Overall	5659.1	65.8	86.7	98.6	99.9	100
West Midlands	Rural	910.3	35.3	59.2	95	99.9	100
West Midlands	Urban	5051.6	84.2	99.2	100	100	100
West Midlands	Overall	5961.9	76.7	93.1	99.2	100	100
Yorkshire and The Humber	Rural	957.8	44.8	66.8	93.8	98.8	100
Yorkshire and The Humber	Urban	4568.6	81	98.3	100	100	100
Yorkshire and The Humber	Overall	5526.4	74.7	92.9	98.9	99.8	100
England overall	Rural	9962.7	41.5	65.8	95.9	99.6	100
England overall	Urban	46587.4	82.4	98.7	100	100	100
England overall	Overall	56550.1	75.2	92.9	99.3	99.9	100
Northern Ireland	Rural	709.3	24.3	48.8	92.6	99.5	100
Northern Ireland	Urban	1186.2	76.5	96.9	100	100	100
Northern Ireland	Overall	1895.5	57	78.9	97.2	99.8	100
Scotland	Rural	974.8	33.2	45.3	77.5	93.1	99.2
Scotland	Urban	4491.2	76.6	96.3	99.7	99.8	100
Scotland	Overall	5466	68.9	87.2	95.7	98.7	99.9
Wales	Rural	1031.5	43.5	66.1	93	98.7	100
Wales	Urban	2138.1	78.7	97.6	100	100	100
Wales	Overall	3169.6	67.3	87.4	97.7	99.6	100
UK overall	Rural	12678.2	40.1	63.3	94.1	99	99.9
UK overall	Urban	54403	81.7	98.4	100	100	100
UK overall	Overall	67081.2	73.8	91.8	98.9	99.8	100

All Post Office branches - 2021 Q4

Geographic area	Rural / Urban	Population, 000's	Distance, km	Distance 2km	Distance 5km	Distance 8km	Distance 16km
East Midlands	Rural	1297.2	48.4	74.8	99	100	100
East Midlands	Urban	3568.4	79.1	98.5	100	100	100
East Midlands	Overall	4865.6	70.9	92.2	99.7	100	100
East of England	Rural	1814.7	47.6	75	99.1	100	100
East of England	Urban	4454.5	78.7	98.3	100	100	100
East of England	Overall	6269.2	69.7	91.6	99.7	100	100
London	Rural	16.6	44.7	79.2	100	100	100
London	Urban	8985.9	92.5	99.9	100	100	100
London	Overall	9002.5	92.4	99.9	100	100	100
North East	Rural	495.3	63.9	86.1	98.6	99.7	100
North East	Urban	2185.5	82.4	99.4	100	100	100
North East	Overall	2680.8	79	97	99.7	99.9	100
North West	Rural	773.5	47.1	75.5	98.5	99.8	100
North West	Urban	6594	83.1	99.1	100	100	100
North West	Overall	7367.5	79.4	96.6	99.8	100	100
South East	Rural	1892.1	45.7	75.1	99.6	100	100
South East	Urban	7325.1	76.8	98.1	100	100	100
South East	Overall	9217.3	70.4	93.3	99.9	100	100
South West	Rural	1805.3	45.4	73	98.9	100	100
South West	Urban	3853.8	79	98.2	100	100	100
South West	Overall	5659.1	68.3	90.2	99.7	100	100
West Midlands	Rural	910.3	42.2	69.3	98.4	100	100
West Midlands	Urban	5051.6	84.4	99.3	100	100	100
West Midlands	Overall	5961.9	77.9	94.7	99.8	100	100
Yorkshire and The Humber	Rural	957.8	50.8	75.3	97.9	99.7	100
Yorkshire and The Humber	Urban	4568.6	81.8	98.7	100	100	100
Yorkshire and The Humber	Overall	5526.4	76.4	94.6	99.6	99.9	100
England overall	Rural	9962.7	47.5	74.7	98.9	99.9	100
England overall	Urban	46587.4	82.8	98.9	100	100	100
England overall	Overall	56550.1	76.6	94.6	99.8	100	100
Northern Ireland	Rural	709.3	25.7	52.2	95	99.8	100
Northern Ireland	Urban	1186.2	76.6	96.9	100	100	100
Northern Ireland	Overall	1895.5	57.5	80.2	98.1	99.9	100
Scotland	Rural	974.8	45	59.9	89.7	97.4	99.8
Scotland	Urban	4491.2	78.3	97.5	99.9	100	100
Scotland	Overall	5466	72.4	90.8	98.1	99.5	100
Wales	Rural	1031.5	50.1	75.8	97.5	99.6	100
Wales	Urban	2138.1	82	98.3	100	100	100
Wales	Overall	3169.6	71.6	91	99.2	99.9	100
UK overall	Rural	12678.2	46.3	72.4	97.9	99.7	100
UK overall	Urban	54403	82.3	98.7	100	100	100
UK overall	Overall	67081.2	75.5	93.7	99.6	99.9	100

Download Table 3 data[4] (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[5] (XLSX)

Figure 1: Access to cash coverage in the UK in 2021 Q4

View the maps in Tableau Public[6]

3. Other insights

3.1. Temporary closures

About 34% of type A (larger PCA providers) and 15% of type B (other) bank and building society branches were temporarily closed for at least 1 day during 2021 Q4 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 2 and 1 days respectively, with the average number of temporary closure days across type A and B branches being 5 and 3 days respectively.

Temporary closures of mobile branches (type D) have been less common than for physical branches. Since 2021 Q3 there has been a decrease in the level of temporary closures, but increase in the length. During 2021 Q4 about 56% of mobile branches were temporarily closed. The average and median number of temporary closure days were 3 and 2 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 2021 Q4, 91.5% of type A and 57.4% 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 increase in opening hours since 2021 Q1. For example, around 97% (30% in Q1) of type A (larger PCA providers) branches remain open after 2pm Monday to Friday, and over 82% (9% in Q1) after 3pm. On average, type A and B branches are open 35 hours per week. There were no changes in average opening hours of Post Office branches from 2021 Q3 to 2021 Q4.

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

Download PDF version of infographic[7] (PDF)

3.3. Accessibility

For some consumers, being able to use branch services depends on accessibility features.

Table 4 shows percentages of branches which are wheelchair accessible, have step-free access and/or have a hearing/induction loop available for the 3 types of bank and building society branches (see note 9) as well as Post Office branches. The step-free access characteristic is not applicable to mobile branches (see note 10).

Of the brick-and-mortar bank and building society branches, 63.2% of type A (larger PCA providers) and 51.3% of type B (other) branches have all 3 characteristics. Excluding the branches for which some values are unreported, these percentages become 88.3% and 70.1% respectively. 86.8% 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	–	68.6	3.0	28.4	97.3	2.7	–
	Excluding unreported	94.4	5.6	x	95.8	4.2	x	94.4	5.6	x
B: All other banks and building societies (brick-and-mortar branches)	All data	77.0	5.0	18.0	63.8	10.8	25.4	66.2	15.9	17.9
	Excluding unreported	93.9	6.1	x	85.5	14.5	x	80.6	19.4	x
C: Post Office branches excluding mobile/ outreach	All data	88.9	–	11.1	–	–	100.0	88.4	–	11.6
C: Post Office branches excluding mobile/ outreach	Excluding unreported	100.0	–	x	x	x	x	100.0	–	x
D: Mobile bank branches	All data	10.6	68.0	21.5	–	78.5	21.5	78.5	–	21.5
D: Mobile bank branches	Excluding unreported	13.4	86.6	x	–	100.0	x	100.0	–	x
E: Mobile/ outreach Post Office branches	All data	21.7	–	78.3	–	–	100.0	21.8	–	78.2
E: Mobile/ outreach Post Office branches	Excluding unreported	100.0	–	x	x	x	x	100.0	–	x

Download Table 4 data[8] (xlsx)

Notes 9 and 10

Some Post Office branches are also open before 7am and/or after 7pm, and some are also open on Sundays – these are not shown in Figure 2. Mobile stops and outreach branches are typically open for a small number of hours on selected days of the week, so the overall proportions of these branches open at a given time are generally low.
Proportions given in the ‘excluding unreported’ rows in Table 4 are unbiased estimates of the respective true proportions where there is no connection between the non-reporting and the value of the characteristic in question. Proportions given in the ‘all data’ rows represent worst-case scenario bounds. For example, if all the 11.1% of non-mobile/outreach (type C) Post Office branches for which wheelchair accessibility is unreported are, in fact, wheelchair accessible, the overall proportions will be 100% and 0%, whereas if none of them are wheelchair accessible, the overall proportions will be 88.9% and 11.1% for yes and no respectively.
Symbols ‘x’ and ‘–’ in Table 4 denote ‘not applicable’ and ‘none’ (ie, exactly zero) respectively.

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.

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.

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