. The branch will not have frontline cashier services or an ATM, meaning customers will be unable to make deposits or withdrawals at the branch. Instead, it will help customers with other banking functions, including appointments to open ISAs or other types of savings accounts and for applying for mortgages.Customers can also make video banking appointments to speak with bankers via video chat and there will be a presentation space available for seminars.
Opening a branch without cashier services may be a cost-effective way to offer a physical touchpoint for more complicated services.
But the fact remains that the UK is having a cash access crisis, so a branch without cash might be missing a chance to offer a crucial service to clients. There were a staggering 3,303 bank branch closures in the UK between January 2015 and August 2019 — equivalent to 34% of the overall branch network in country, according to data from Which?
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