FCA: Access to cash coverage in the UK 2024 Q2

Published by:
Financial Conduct Authority (FCA)
Last updated:
28 August 2025
Topic:
Not added
Licence:
Open Government Licence

Summary

This is an overview of geographical cash access coverage in the UK at the end of the second quarter (April to June) of 2024. This monitoring forms part of the FCA’s work on access to cash.

This is the FCA's first access to cash coverage publication using data collected under its new regime. As a result, it is based on data from a slightly different firm population to previous publications. This means coverage analysis for this, and future quarters is not directly comparable to our previous access to cash coverage publications. The Q2 2024 data acts as a baseline against which we will monitor the impact of our access to cash rules.

The FCA estimates that for access to designated banks and building societies providing Personal Current Accounts (PCA) and Post Office: all branches, including mobile bank branches:

  • 97.3% of the UK urban population are currently within 1 mile of a free-to-use cash access point offering deposits.
  • 98.0% of the UK rural population are currently within 3 miles of a free-to-use cash access point offering deposits.

The FCA estimates that for access to any bank, building society, Post Office branch or any free ATM:

  • 99.2% of the UK urban population are currently within 1 mile of a free-to-use cash access point offering withdrawals.
  • 98.5% of the UK rural population are currently within 3 miles of a free-to-use cash access point offering withdrawals.

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2024 Q2 publication HTML 28 August 2025 Not available

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