Bank of Scotland, Halifax and Lloyds to close 35 more branches in 2023/24 – here's the full list, plus alternatives

If you need branch access and don't have alternative services nearby, consider switching

If you no longer want to stay with Bank of Scotland, Halifax or Lloyds, you might want to consider switching to a bank that does have a local branch nearby – although bear in mind there's no guarantee that too won't close.

Banks currently offering cash switching incentives include:

• Nationwide: get a free £200 for switching to Nationwide's FlexDirect account. You can also get access to its top-paying regular savings account, which pays 8% interest on up to £200 a month.

• First Direct: get a free £175 for switching to First Direct's 1st Account. In addition to the free switch cash and top service, you'll get access to a linked regular saver which pays 7% interest on up to £300 a month, and many get an ongoing £250 0% overdraft. The debit card is also fee-free for overseas spending and ATM withdrawals.
  
  First Direct doesn't have any branches of its own, but First Direct customers can use HSBC branches to pay in cheques, as well as deposit and withdraw cash. So it could be an option if you have an HSBC branch nearby – though bear in mind HSBC is also closing lots of branches.

• Lloyds: get a free £175 if you switch to the Club Lloyds account. You'll also get to choose a reward from 12 months of Disney+, six cinema tickets, a Coffee Club & Gourmet Society membership or a magazine subscription. Do note there's a £3 a month fee unless you pay in at least £2,000 a month.

• TSB: get a free £150 plus £10 a month cashback if you switch to TSB Spend & Save. To get the cashback, you'll need to spend with your debit card 20+ times for the first six months.

See our Best bank accounts guide for more options including the best bank accounts for savings interest and longer-term rewards.