Royal Bank of Scotland branch closures 2026

Royal Bank of Scotland has 0 full branch closures still to come, according to its own list, read 3 November 2026. 6 closed earlier in 2026. It has promised to announce no new branch closures until at least 2029.

NatWest Group made "a commitment to make no further branch closure announcements across all three of its brands (NatWest, Royal Bank of Scotland and Ulster Bank) until at least 2029" on 5 June 2026, when it announced nine final branch closures. Closures announced before then still go ahead. NatWest commits £50m to UK branch network with no further branch closures until at least 2029, 5 Jun 2026.

Closures still to come

Royal Bank of Scotland's own list shows no closures still to come.

Already closed in 2026

DateBranchTownTypeWhat replaces itSource
17 Sep 2026Giffnock Giffnock branch notice
16 Sep 2026Biggar Biggar branch Mobile Branch weekly stop at The Fleming Arms 141 High Street every Friday morning from 25th September 2026 notice
10 Sep 2026Castle Douglas Castle Douglas branch Mobile Branch weekly stop at the Co-op Car Park every Wednesday morning from 16th September 2026 notice
10 Sep 2026Motherwell Motherwell branch notice
9 Sep 2026Arbroath Arbroath branch Mobile Branch weekly stop at Abbeygate Shopping Centre every Wednesday afternoon from 16th September 2026 notice
8 Sep 2026Milngavie Milngavie branch notice

The rules on closing a branch

The FCA expects a bank that decides to close a branch to tell customers "no less than 12 weeks before a proposed closure". Shorter notice is acceptable only in exceptional circumstances outside its control, such as a landlord not renewing a lease or damage to the building.

Source: FCA FG22/6: Branch and ATM closures or conversions, 11 Oct 2022

Since 18 September 2024 the banks the Government designates must have LINK assess the effect on local access to cash when they close a branch. If LINK finds a significant gap, the bank must keep the branch open until the extra service it recommends, often a banking hub, is available. The rules do not stop branches closing.

Source: FCA: Access to cash, 29 Jul 2026

LINK had recommended 283 banking hubs by 23 October 2026, of which its own list shows 260 open. LINK says a recommended service is expected to open within 12 weeks if there is nothing in place already, and most are delivered by Cash Access UK.

Source: LINK: Bank branches and banking hubs, list dated 23 October 2026, 23 Oct 2026

Frequently asked questions

Is Royal Bank of Scotland closing branches?

Royal Bank of Scotland has 0 full branch closures still to come, according to its own list, read 3 November 2026. 6 closed earlier in 2026. It has promised to announce no new branch closures until at least 2029.

How much notice must a bank give before closing a branch?

The FCA expects at least 12 weeks' notice to customers, except in circumstances outside the bank's control such as a landlord ending the lease. LINK must also assess whether the closure leaves a gap in local access to cash, and if so the bank must keep the branch open until the replacement, often a banking hub, is ready.

What happens to my account when my branch closes?

Your account stays open and nothing about it changes: only the branch closes. You can still bank in the app, online, by phone or at another branch. Your deposits stay protected by the FSCS up to £120,000 per person per banking licence.

Royal Bank of Scotland's credit rating and safety record, branch closures at every bank, closures announced for 2027, how many branches each bank has, how FSCS protection works and bank outages.

Closures are read from each bank's own closure list, branch notices and impact assessments, never from press lists, and every town and date is checked against the bank's page before it appears here. Dates can change; the bank's notice in the branch is final. Lists last read 3 November 2026. This is information, not advice.