Full List of Lloyds Bank Closures in 2026 – Which Branches Are Set to Shut Down?

The banking landscape in the UK is undergoing another significant shift as Lloyds Bank confirms the closure of 16 branches in January 2026, with 55 additional closures set to follow throughout the year. This strategic move by Lloyds Banking Group reflects wider industry trends and a rapid consumer shift toward digital banking.

At a glance:

• 16 Lloyds Bank branches to close in January 2026
• 55 more closures across Lloyds and Halifax planned in 2026
• Over 6,600 UK bank branches have shut since 2015
• Closures follow FCA guidelines and customer impact reviews

Read on for the complete list of affected branches, the reasons behind the closures, what customers can expect next, and how this reflects the future of high street banking.

Why Is Lloyds Bank Closing Branches in 2026?

Lloyds Bank’s decision to close branches in 2026 is not arbitrary, it is part of a broader response to changing customer behaviour, advances in digital banking, and the long-term transformation of the UK’s financial infrastructure.

The Digital Shift in Banking

With more than 21 million customers now using mobile apps or online platforms to manage their accounts, footfall at physical bank branches has significantly declined.

In-person banking is no longer the primary method for most consumers, and the bank is shifting focus to where demand lies, convenient digital solutions.

The closures are also shaped by a changing economic and social environment, with increased reliance on digital technologies accelerated by the COVID-19 pandemic and changing lifestyles.

FCA-guided Closure Process

Every closure follows strict Financial Conduct Authority (FCA) guidelines. Before any location is closed, Lloyds completes a two-part Closing Branch Review.

Part 1 explains the rationale behind the decision. Part 2, published two weeks before the closure, includes community feedback and how customer needs will continue to be supported.

This structured and transparent process ensures that communities are not left behind and that customers are provided with suitable alternatives.

How Many Lloyds Bank and Halifax Branches Will Close in 2026?

In January 2026 alone, 16 Lloyds Bank branches will shut down. Beyond this, Lloyds Banking Group has announced plans to close a total of 55 more branches across the year, including:

• 40 Lloyds Bank branches
• 15 Halifax branches

This adds to a growing list of high street banks reducing their physical footprint. According to recent data, 6,626 UK bank and building society branches have closed since 2015, that’s approximately 53 closures per month, accounting for 67% of all branches that were operating in early 2015.

This decline isn’t isolated to Lloyds; it’s an industry-wide transformation prompted by technology, consumer preferences, and cost management.

Which Lloyds Bank Branches Are Closing in January 2026?

Lloyds Bank has confirmed a new round of branch closures scheduled for January 2026, continuing the wider shift away from face-to-face banking services across the UK. The latest announcement affects 16 branches, with closures spread across England and Wales and dates staggered throughout the month.

According to the bank, these closures are driven by declining in-branch footfall and a growing preference for digital and mobile banking. However, the decision has raised concerns among customers who still rely on physical branches for cash access, complex transactions, and in-person support

Confirmed Lloyds Bank Closures – January 2026

These closures reflect a mix of urban and regional locations, indicating that the shift away from physical banking is not limited to rural communities or smaller towns.

What Alternatives Are Available for Customers Affected by These Closures?

When a local branch closes, Lloyds aims to ensure continuity for customers through a variety of accessible banking alternatives.

Banking Hubs and Post Office Access

Customers can continue to conduct routine banking activities via the Post Office network and banking hubs. These services provide access to withdrawals, deposits, balance enquiries, and more.

In addition to that, more than 30,000 PayPoint locations across the UK are available for cash deposits and bill payments.

Community Bankers

In certain areas, Lloyds may assign a Community Banker after a branch closure. These banking professionals support local customers through scheduled visits, assisting with digital banking, account queries, and financial advice.

Digital and Mobile Banking Services

Lloyds Bank is investing in its mobile apps and online services to give customers the convenience of 24/7 access. From transfers to account management, these tools allow secure banking without visiting a branch.

Additionally, the bank offers co-servicing across Lloyds, Halifax, and Bank of Scotland branches. This means customers from one bank can use branches of the other affiliated banks, providing flexibility during and after the closure transition.

How Does Lloyds Assess the Impact of a Branch Closure?

Before a branch is closed, Lloyds conducts an in-depth review process to understand the impact on local communities and how best to mitigate it.

This process includes:

• Part 1 – Decision-Making Review: Released at the time of announcement, this document details how the closure decision was reached, including footfall analysis and digital usage trends.
• Part 2 – Community Feedback Review: Available two weeks before the branch officially shuts, this includes the outcomes of community engagement and outlines how banking needs will continue to be served.

The reviews aim to show transparency and maintain trust with affected customers. These documents are made public and can be accessed via the Lloyds Bank website’s branch closure section, under their alphabetical listings of affected locations. Customers interested in detailed closure insights can review the published documents on the Lloyds Bank official site.

Are More UK Banks Closing Branches in 2026?

Yes, and this trend shows no signs of slowing.

Since 2015, the UK’s banking sector has seen a massive reduction in physical branch networks. Technological advancement, changing consumer behaviour, and cost-efficiency strategies have all contributed to this evolution.

Other major banks have similarly announced closures, with customers increasingly opting for smartphone banking, direct debit setups, and digital financial management.

“The way people are banking has changed, with over 21 million customers choosing apps to manage their money.” – Lloyds Banking Group Spokesperson

Despite concerns about access and inclusivity, the shift to digital is irreversible, and banks are being urged to support vulnerable customers through this transition.

What Does This Mean for the Future of In-Person Banking?

The future of banking in the UK appears to be increasingly digital-first, with traditional branches playing a complementary role rather than a central one.

While some customers still prefer the reassurance of face-to-face interaction, especially older or rural populations, the majority now rely on smartphones and online platforms.

As banks like Lloyds adapt their infrastructure, the focus is on ensuring accessibility through hybrid solutions like banking hubs, Post Office partnerships, and co-branded services.

Traditional vs. Digital Banking Services Comparison

The ongoing closure of branches doesn’t signal the end of support, it simply reflects a new way of delivering banking services.

Conclusion

The 2026 Lloyds Bank closures are part of a broader transformation within UK banking. While these changes may bring challenges, especially for those reliant on in-person services, they also open the door to greater convenience, accessibility, and modern banking solutions.

As Lloyds works to maintain support for its diverse customer base through digital innovation, community outreach, and transparent communication, it remains vital for customers to stay informed and explore the available alternatives.

FAQs About Lloyds Bank Closures in 2026

Will Lloyds Bank close more branches beyond 2026?

Yes, while specific locations have not been disclosed, further closures could follow based on digital adoption rates and strategic reviews.

Can I still access my account at Halifax or Bank of Scotland?

Yes, customers can access their accounts at any Lloyds, Halifax, or Bank of Scotland branch, thanks to co-servicing agreements within Lloyds Banking Group.

What should elderly customers do if their local branch closes?

Elderly and vulnerable customers can request support from Community Bankers, use Post Office services, or get assistance through the phone or in-home services where available.

How can I find the nearest Banking Hub or Post Office that handles Lloyds accounts?

Information is available on the Lloyds Bank website. Enter your postcode to locate alternative services.

Will staff lose their jobs due to these closures?

Lloyds typically works to redeploy staff within the organisation; however, some redundancies may occur depending on location and resources.

Are business customers affected by these closures?

Business customers can continue banking online, use telephone services, or visit alternative branches and Post Offices for their needs.

Is online banking secure for everyday transactions?

Yes, Lloyds uses industry-standard encryption and multi-factor authentication to ensure your data and finances are protected.