HM Treasury – Access to Banking Services Review
HM Treasury has commissioned an independent Review on Access to Banking Services to assess how changes to in-person banking services are affecting consumers.
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The way people access banking services in the UK has changed significantly in recent years. Access to these services is provided through a range of channels, including different in-person models, as well as digital channels.
The Government is committed to ensuring customers, including those who are vulnerable or have specific needs, retain sufficient access to essential banking services in-person.
The Access to Banking Services Review will help HM Treasury better understand the impact of the current trajectory of access to in-person banking services, including the scale of detriment to consumers and the impacts it may have on vulnerable groups.
The Review is being conducted on an independent basis, chaired by Richard Lloyd OBE. The Chair will provide a report and recommendations to the Government in October 2026 and the Government will publish the report accordingly.