Santander Closing 44 Locations – Full UK List and Dates

Santander UK has announced plans to close 44 branches across the United Kingdom, marking one of the most significant reductions in the bank’s physical presence in recent years. The closures, scheduled between June 2025 and January 2027, will reduce the bank’s branch network from 349 to 305 locations.

The decision reflects a broader shift in consumer banking behaviour, with the majority of transactions now conducted digitally. Affected customers will gain access to alternative banking services through Santander Locals, Banking Hubs, and enhanced digital platforms.

This announcement comes after 95 branch closures in 2025 and follows similar moves by other major UK banks seeking to optimise their operations amid changing customer preferences.

Why is Santander Closing 44 Branches?

Santander attributes the closures to fundamental changes in how customers choose to manage their finances. According to figures shared by the bank, 96% of all transactions are now conducted through digital channels, a dramatic departure from traditional branch-based banking.

The mobile app has seen particularly strong adoption, with usage increasing by 109% since 2019. Over 80% of current accounts are now opened online, demonstrating how customer preferences have shifted decisively toward digital platforms.

• Mobile app usage has increased by 109% since 2019
• More than 80% of current accounts are now opened online
• The closures follow 95 earlier branch shutdowns in 2025
• 291 jobs are at risk as a result of the latest closures
• The bank is investing in refurbished branches, Work Cafés, and digital services
• 111 Santander Locals will offer face-to-face support through Community Bankers

Which Santander Branches Are Closing?

The complete list of 44 branches affected by the closures spans England, Scotland, Wales, and Northern Ireland. The following table details each location, its address, and confirmed closure date where available.

Note that the official Santander PDF list provides the most complete and authoritative source for all 44 locations, including full addresses for Cumbernauld, Rustington, and Andover.

Is Santander Closing Branches Near Me?

Customers wondering whether their local branch is affected can use Santander’s branch finder tool to identify nearby locations and alternatives. The bank has emphasised that no community will be left without access to banking services.

When Will These Branches Close?

The closure programme spans approximately 19 months, with the first affected branches shutting in June 2025 and the final closures scheduled for the end of January 2027. The timeline reflects careful planning to manage customer migration and staff transition.

1. June 2025: First wave begins with closures including Croydon, Launceston, Aberdare, and Arbroath
2. July 2025: Major wave including Armagh, Blackwood, Borehamwood, and Hertford
3. Late 2025: Closures including Billericay, Droitwich, Surrey Quays, and Crowborough
4. March 2026: Dover and Bexhill branches close
5. April-May 2026: Kirkintilloch, Woking, Huntingdon, and Welwyn Garden City
6. May 2026: Golders Green closure takes effect
7. End January 2027: Final three branches close: Leighton Buzzard, Whitehaven, and Wilmslow

The announcement itself came in early 2026, on January 29, 2026, according to ITV News reporting. By that date, some of the earliest closures had already taken place, while others remained scheduled for the months ahead.

What Should Customers Do Next?

Customers whose branches are closing have several options available. Santander has developed a multi-channel approach to ensure continued access to banking services, regardless of whether a traditional branch remains open in a specific location.

Face-to-Face Alternatives

Rather than closing locations entirely, Santander is converting many affected branches into Santander Locals, which provide Community Bankers for face-to-face support. Where this is not possible, the bank has partnered with shared Banking Hubs offering cash withdrawal and deposit services.

Work Cafés represent another investment area, combining banking facilities with workspace options. A new Work Café recently opened in Oxford, exemplifying this hybrid approach to customer service.

Digital and Remote Banking

The bank strongly encourages customers to embrace its mobile application and online banking platforms. These services enable customers to conduct the vast majority of transactions, including transfers, bill payments, and account management, without visiting a physical location.

Telephone banking and live chat options provide additional support for customers who prefer not to use digital services but still want personal assistance.

Community Access to Cash Initiatives

For communities particularly affected by branch closures, particularly those with older populations or limited digital infrastructure, Santander supports Community Access to Cash initiatives designed to maintain essential banking services.

How Many Branches in Total?

Santander currently operates 349 branches across the United Kingdom. Once the 44 closures are complete, the network will consist of 305 branches, representing a reduction of approximately 13%.

This follows a significant rationalisation already completed in 2025, when 95 branches closed, affecting 750 jobs. The latest round places 291 jobs at risk, as reported by ITV News.

Confirmed Facts Versus Uncertain Details

The Broader Context: UK Banking Trends

Santander’s decision reflects a wider pattern across the UK banking sector. Traditional high street branches have faced declining footfall for years as consumers increasingly prefer the convenience of mobile and online banking.

Major banks have collectively closed hundreds of branches over the past decade, with the trend accelerating following the pandemic. This shift has raised concerns about so-called “banking deserts” in rural areas and for customers who rely heavily on in-person services.

Similar patterns of retail restructuring, such as the Quadrant Department Store Closure in Swindon, illustrate how traditional retail and service sectors continue to adapt to changing consumer behaviour.

Official Sources and Statements

“We understand that closing a branch is a difficult decision and we always consider the impact on our customers and colleagues. However, the way our customers choose to bank with us has changed significantly in recent years, with 96% of transactions now made through digital channels.”

— Santander UK, Official Press Release

“We’ve been clear that no community will be left without access to our services. Community Bankers in our Santander Locals or through shared Banking Hubs will continue to provide face-to-face support.”

— Santander UK, Media Statement

The official Santander press release and the MoneyWeek analysis provide additional context on the strategic rationale behind these changes.

Summary

Santander UK is reducing its branch network from 349 to 305 locations through 44 closures scheduled between June 2025 and January 2027. The move reflects digital transformation in banking, with 96% of transactions now conducted online. Customers affected by closures can access banking services through Santander Locals, Banking Hubs, mobile applications, and telephone banking. For those planning around bank holidays, resources such as Is Monday a Bank Holiday can help with scheduling branch visits before closures take effect.

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