Halifax bank to close 13 branches in September - full list of locations

Banking giant Halifax is preparing to shut 13 branches in September as the move towards digital banking accelerates.

This follows the bank's earlier findings of a 48% decline in face-to-face transactions at its branches over the past five years. Research by Which? reveals that banks and building societies have shut 6,214 branches since January 2015 - averaging roughly 53 closures monthly.

Halifax explained that customers losing their local branch can still conduct everyday banking through Bank of Scotland and Lloyds branches, as they belong to the same banking group.

Beyond accessing other Lloyds Banking Group locations, customers can visit the Post Office, which provides banking services including cash deposits and withdrawals, balance enquiries, and cheque deposits.

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Additionally, hundreds of 'Banking Hubs' have opened to provide more customers with access to cash and services irrespective of their bank. People can locate their nearest facility here.

Alastair Douglas, CEO of TotallyMoney, encouraged people to examine their alternatives and change banks if a closure proves inconvenient, reports the Express.

Mr Douglas said: "For some, the cost of living has put a greater importance on cash, as they use it to help with everyday budgeting, and not overspending. However, with more than 6,000 banks closing in a decade, it's becoming harder for some vulnerable people to manage their money.

"In part, this is being driven by digitalisation and the growth of mobile banking, but it also benefits the banks' bottom line. Plans to set up 350 high street hubs by 2029 might sound good on paper, but not when 112 are set to close by the end of this year.

"And that's why it's important that the banks act in the interest of their customers and invest in providing a better service that leaves nobody behind.

"If you're reliant on your local branch, or the service being provided, then it's worth looking into your options and finding one which suits your needs.

"Loyalty doesn't pay, and with the Current Account Switch Service Guarantee, your payments and balance will be moved over automatically, and your old account will be closed for you. And by moving your money, you could bag a switching bonus, make the most of an interest-free overdraft, and experience better face-to-face banking."