Have you heard your local NatWest branch is closing? You’re not alone. In 2025, NatWest is shutting down over 50 bank branches and mobile units across the UK, reflecting a significant shift in how banking services are delivered.
As customer preferences lean heavily towards mobile and online platforms, traditional high street banks are rapidly adapting. These closures are not isolated, they’re part of a broader trend within the banking industry.
In this blog, we’ll walk you through why this is happening, which branches are affected, and how you can continue to access your money, securely and conveniently.
Why is NatWest Closing More Branches in 2025 Than Ever Before?
The decision to close so many NatWest branches in 2025 stems from the changing nature of how people bank. As the digital transformation accelerates, fewer customers are visiting physical branches.
Here’s what’s driving this change:
- Over 80% of active NatWest current account holders now rely on digital services
- 97% of new accounts with NatWest are opened online
- In-person visits have dropped sharply over the last decade
- Customers increasingly value speed and convenience through mobile apps and online tools
But this shift isn’t just about technology. NatWest also aims to reduce its carbon footprint, trim operational costs, and reinvest savings into more modern customer experiences.
Importantly, the bank insists that each closure is evaluated thoroughly, taking into account branch usage data, community needs, and the availability of nearby alternatives. The strategy reflects a broader industry goal to balance digital innovation with responsible service delivery.
Where Are NatWest Branches Closing – Is Yours on the List?
If you’re wondering whether your town or city is impacted, it’s important to know that closures are being rolled out across England, Wales, and Scotland. These include both high-traffic urban areas and smaller, rural locations.
Here are a few examples of the impacted branches:
| Branch Location | Address | Closure Date |
| Torquay | 108 Union Street, TQ2 5PH | 03/09/2025 |
| Ely | 16 Market Street, CB7 4YY | 10/09/2025 |
| Cardiff – Canton | 277 Cowbridge Road East, CF5 1WX | 16/09/2025 |
| Rayleigh | 43 High Street, SS6 7EW | 02/09/2025 |
| Paignton | 15 Victoria Street, TQ4 5DE | 02/10/2025 |
| Leamington Spa | 59 Parade, CV32 4ZX | 01/10/2025 |
| Stevenage | 26-28 Queensway, SG1 1BS | 07/10/2025 |
| Midsomer Norton | 3 High Street, BA3 2LE | 08/10/2025 |
| Redditch | Church Green East, B98 8DG | 14/10/2025 |
| Bridport | 22 East Street, DT6 3LG | 29/10/2025 |
The full closure list, alphabetised by region, is available in downloadable factsheets from NatWest. These documents also suggest alternative local banking options, such as nearby branches, Post Offices, and shared banking hubs.
When will the NatWest Closures Take Place?
The closure period for these branches spans from September 24, 2025, to February 5, 2026. NatWest provides at least 12 weeks’ notice to customers of each affected location, ensuring enough time to transition to alternative services.
Customers will be informed via:
- Letters sent directly to their registered addresses
- In-branch posters and flyers
- Updates via the NatWest website and app
The bank emphasises a proactive approach to communication, ensuring every customer is aware of timelines, service changes, and where to get help.
What Support is Available for Elderly, Rural, or Vulnerable Customers?
As NatWest moves forward with its 2025 branch closure plans, concerns have grown over how these changes will affect elderly, rural, and vulnerable customers.
To address these concerns, the bank has introduced several support measures to ensure continued access to essential banking services.
Elderly Customers
Many older individuals still prefer face-to-face banking. NatWest recognises that around 39% of over-65s don’t use online banking. To support this group:
- In-person help is provided through Community Pop-ups
- Telephone banking remains a strong alternative
- Family members or carers can be guided to set up joint digital access responsibly
Rural Communities
For areas losing mobile branches, the bank is extending services through:
- Partnerships with the Post Office, allowing for deposits and withdrawals
- Shared Banking Hubs in collaboration with other banks and local authorities
- Cash Access UK services that keep essential banking available nearby
Vulnerable Individuals
Customers living with disability or low digital literacy receive:
- Step-by-step guides and telephone assistance
- Video banking as an accessible alternative
- Support from specially trained staff to ensure no disruption in banking access
NatWest also consults local councils and community groups before implementing closures to mitigate the impact as much as possible.
How is NatWest Replacing In-Branch Services After Closures?
As NatWest continues with its 2025 branch closure programme, the bank is expanding its service model to ensure that customers still have access to everyday banking.
While physical locations may be reduced, a range of alternatives, both digital and in-person, are being introduced to meet evolving customer needs.
Alternative Banking Options Now Available
- Mobile Banking App: Access your account 24/7, make instant payments, and control your card settings all in one place.
- Online Banking: Manage your finances from the comfort of your home, including viewing transactions and paying bills.
- Video Banking: Schedule video calls with NatWest advisers for face-to-face support without visiting a branch.
- Post Office Services: Use nearby Post Office branches to deposit or withdraw cash and cheques securely.
- Cash Access UK Deposit Machines: Deposit money using your card and PIN at local machines designed for quick and easy banking.
These solutions aim to balance convenience and accessibility for a diverse customer base, including tech-savvy individuals, younger users, and those adjusting to the digital shift.
Can You Still Access Cash and Deposits After Your Branch Shuts?
Yes, access to your money remains a priority. NatWest has teamed up with Cash Access UK to provide deposit machines across the country. Customers can perform secure cash transactions using their Chip & PIN card at authorised locations.
Personal customers face no additional fees, while business account holders may be subject to charges based on account type. Additionally, Post Office counters are fully integrated with NatWest systems, allowing everyday banking such as:
- Withdrawing cash
- Depositing cheques or notes
- Checking balances
Even in areas with no active branches, customers can carry on with minimal disruption.
What Are Community Pop-ups and How Do They Work?
Community Pop-ups are NatWest’s short-term, face-to-face service stations. They are set up in locations impacted by branch closures and operate for up to 12 weeks.
Designed as transitional support, these hubs offer:
- Help with setting up digital banking
- Financial guidance and account support
- Information on alternative banking methods nearby
No appointments are required, and walk-ins are welcomed. Locations for Community Pop-ups are chosen based on local demand and foot traffic data. The goal is to make banking still feel personal, even when branches are gone.
How Does NatWest’s Strategy Compare to Other UK Banks?
NatWest is not the only major bank pulling back its high street presence. Other UK banks are doing the same, but each has a different approach to managing the impact.
| Bank Name | Closure Totals (Since 2015) | 2025 Announced Closures |
| NatWest | 1,409+ | 55 (includes 3 mobile branches) |
| Lloyds/Halifax/Bank of Scotland | 1,200+ | 170+ |
| Barclays | 1,200+ | 100+ (expected in 2025) |
| HSBC | 600+ | Additional closures expected post-2023 |
| TSB | 250+ since 2020 | Ongoing restructuring |
| Santander | 111 (2021) | Limited branch network currently |
NatWest has taken a standout approach by ruling out further acquisitions such as TSB, choosing instead to refine its existing infrastructure.
The bank has also committed over £20 million to upgrade remaining branches and improve sustainability, a significant step toward balancing digital growth and environmental responsibility.
What Does This Mean for the Future of High Street Banking in the UK?
The future of banking is increasingly digital, but not entirely virtual. As high street banks reduce their physical footprint, there is a growing focus on hybrid solutions that combine digital tools with localised support.
While many lament the loss of physical branches, especially in smaller towns, banks like NatWest are actively investing in smarter alternatives.
The introduction of banking hubs, deposit networks, and mobile-friendly services suggests that the high street is evolving, not vanishing.
However, the responsibility lies with banks to ensure inclusive access, especially for those left behind in the digital shift. The challenge for the future will be balancing innovation with accessibility.
Conclusion
The NatWest UK bank branch closures in 2025 represent more than a reduction in physical locations, they mark a turning point in how financial services are delivered.
As the bank adapts to new customer behaviours, it is investing in digital, mobile, and hybrid solutions to ensure no one is left behind.
Whether you’re an elderly customer, a rural resident, or someone simply used to visiting your local branch, NatWest has introduced several options to ease the transition. The future of banking is changing fast, and NatWest aims to help you navigate it confidently.
FAQs About NatWest UK Bank Branch Closures 2025
How can I find the exact closing date for my local NatWest branch?
You’ll receive a 12-week advance notice by letter and find details posted in your branch. You can also access closure factsheets on NatWest’s official website.
What happens to the employees at closing NatWest branches?
NatWest will offer internal redeployment options where possible. Staff may be moved to nearby branches or support roles.
Are NatWest business customers affected differently than personal ones?
Business customers can still use Post Office counters and deposit machines. However, they may incur fees that personal account holders don’t face.
How do I switch banks if I’m unhappy with the closures?
You can switch banks using the UK’s Current Account Switch Service. It’s a fast and free process that transfers all your details within seven working days.
Is video banking secure and easy to use for older customers?
Yes, video banking uses encrypted technology and is simple to access with assistance. NatWest also provides step-by-step guides to help set it up.
Will mobile van closures affect hard-to-reach communities?
Yes, especially in rural areas, but NatWest is providing Community Pop-ups and Post Office access to help ease the impact.
Can you still open a new NatWest account without visiting a branch?
Absolutely, accounts can be opened online using your ID and a secure verification process. It’s available for anyone aged 11 and up.
