High Street banks are shutting down more than 400 branches this year including nine in Surrey - and you can see which ones are closing near you with our interactive map. A total of 397 banks have closed or will close in England in 2023, along with 37 in Wales, 20 in Scotland, and five in Northern Ireland.

But in some areas, the latest closures will leave high streets without any existing banks, meaning customers will have to go online or travel to other locations to access financial services. The closures will leave 109 communities in England without a bank, plus 16 in Wales, five in Scotland, and one in Northern Ireland.

Of the nine banks that either have closed or will close in Surrey this year, two of the closures - of the Lloyds Bank in East Horsley and the HSBC in Oxted - will leave residents with no branches of any bank in their community.

READ MORE: Barclays to close bank just over the Surrey border

You can see if banks are closing or have closed near you by using our interactive map below.

It comes as Age UK warns many older or vulnerable people are struggling with online banking. The charity's research found that four in 10 older people (39%) with a bank account in Britain - equivalent to more than four million people - are not managing their money online and could be at risk of financial exclusion.

Age UK has now called for more banking hubs to be opened in the UK in locations where all banks have closed. These are spaces shared by several high-street lenders featuring counter services and visits from community bankers from the major banks. More than 50 banking hubs have been announced, but only four have opened so far.

Caroline Abrahams, charity director at Age UK, said: "We need to face up to the fact that huge numbers of older people, the oldest old, especially, are not banking online. Even older people who bank online often want the ability to talk to a bank employee in the flesh about some kind of transaction. A lack of face-to-face banking will only serve to further exclude the millions of people on a low income who have no or limited access to the internet."

Andrew Goodacre, CEO of Bira (the British Independent Retailers Association) said banks were closing at a much faster pace than the hubs were opening. He said: "Small businesses want to remain accessible and available to their customers, and that means being able to accept cash. As a result, Indie retailers need access to cash, customers need cash and so we need banks on the high street.”

Surrey banks' closing dates in 2023

Natwest, Caterham

  • Address: 1 Croydon Road, Caterham. CR3 6PA
  • Closing date: February 1, 2023
  • Will other branches of any bank remain nearby?: Yes

Natwest, Oxted

  • Address: 12 Station Road East, Oxted. RH8 0PR
  • Closing date: February 22, 2023
  • Will other branches of any bank remain nearby?: Yes

HSBC, Leatherhead

  • Address: 18 North Street, Leatherhead. KT22 7AR
  • Closing date: July 4, 2023
  • Will other branches of any bank remain nearby?: Yes

HSBC, Reigate

  • Address: 18 High Street, Reigate. RH2 9AY
  • Closing date: August 8, 2023
  • Will other branches of any bank remain nearby?: Yes

Lloyds, Weybridge

  • Address: 1C Church Street, Weybridge. KT13 8DA
  • Closing date: May 10, 2023
  • Will other branches of any bank remain nearby?: Yes

Barclays, Caterham

  • Address: 10 The Square, Caterham. CR3 6XH
  • Closing date: June 23, 2023
  • Will other branches of any bank remain nearby?: Yes

Lloyds, East Horsley

  • Address: 5 Ockham Road South, East Horsley. KT24 6QW
  • Closing date:
  • Will other branches of any bank remain nearby?: No

Natwest, Dorking

  • Address: 14 High Street, Dorking. RH4 1AX
  • Closing date: July 25, 2023
  • Will other branches of any bank remain nearby?: Yes

HSBC, Oxted

  • Address: 66 Station Road, Oxted. RH8 0PJ
  • Closing date: TBC
  • Will other branches of any bank remain nearby?: No

Branch closures are driven by factors including the rise of online banking, the increasing popularity of mobile banking, and the cost of running branches. Of the bank closures that have been announced or have already taken place this year, Barclays has overseen the most closures, with 122 branches lost to the high street.

That is followed by HSBC (114), Natwest (106), Lloyds (62), and Halifax (32). Barclays is closing or has closed the most branches in areas that have no other physical banking services (45) followed by Lloyds (34) and then Natwest (24).

Barclays says it maintains an in-person presence in more than 200 locations “where there is no longer enough demand to support a branch” through the Barclays Local network, based in libraries, town halls, mobile vans, and “banking pods”. A spokesperson said: “As visits to branches continue to fall, we need to adapt to provide the best service for all our customers.”

A spokesperson for Lloyds Banking Group - which owns Halifax as well as Lloyds Bank and several other financial firms - said increasing demand for online banking meant it needed to continue to develop “services our customers want to use”. Lloyds said its branches would “continue to be an option for our customers alongside our telephone services, mobile app and online bank”.

A Natwest spokesperson added: “We understand and recognise that digital solutions aren’t right for everyone or every situation, and that when we close branches we have to make sure that no one is left behind. We take our responsibility seriously to support the people who face challenges in moving online, so we are investing to provide them with support and alternatives that work for them.”

  • Do you think banks should remain open on the high street, or should the service be moved online? Join the debate and let us know your thoughts in the comments section.

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