MS pushes for banking hub as Holywell loses last branch

Holywell is set to be left without a single bank branch following Santander’s announcement that it will close its local branch on 13 August 2025.

The move is part of the bank’s wider plan to shut 95 of its 444 UK branches, citing a significant shift toward digital banking. Santander says online transactions have risen by 63% since 2019, while in-branch activity has declined by 61%.

The closure has prompted concern from local representatives, with Delyn MS Hannah Blythyn raising the issue during First Minister’s Questions this week.

She warned that the loss of in-person banking would hit residents and businesses hard.

“My constituents and community deserve better than this, and there is rightly an active campaign to try and save the bank,” she said.

Ms Blythyn pointed to the success of Post Office banking hubs in towns like Prestatyn as a potential model for Holywell.

These hubs allow face-to-face access to essential services even where traditional banks have withdrawn.

She asked the First Minister to back the push for a banking hub in the town, saying: “Will you join me, the Member of Parliament, and members of Holywell Town Council in making the clear case for a banking hub at the heart of Holywell?”

While banking regulation is not devolved, First Minister Eluned Morgan said the Welsh Government is working to support access to services.

She referenced an upcoming event bringing together financial sector stakeholders to explore new solutions.

“The loss of many bank branches has become a major cause of concern,” she said. “Although this is a non-devolved matter, it doesn’t mean that we wash our hands of the issue.”

The debate was further fuelled by Welsh Conservative MS Mark Isherwood, who highlighted the impact the closures will have on vulnerable residents.

Quoting a concerned constituent, he said: “This leaves no bank in Holywell, Greenfield and surrounding areas. The closest branch will be Rhyl or Mold. The bus time’s an hour away. This is discrimination and must be fought.”

Mr Isherwood criticised the Welsh Government for suspending its Community Bank plans and pressed for details on talks with Westminster over updated banking protocols. He later said the First Minister had failed to answer his questions.

“It is vital that we challenge every closure and work to ensure that adequate alternatives are put in place, so people are still able to access cash and personal service,” he said.

Santander has said it will offer support through Community Bankers and local Post Offices, all of which are within one mile of affected branches. It also points to continued investment in mobile, telephone and online services.

However, many in the community say these alternatives fall short, particularly for elderly and digitally excluded residents.

Around 750 jobs are at risk nationwide from the closures. Santander has said affected staff will be offered redeployment and support.

Local representatives, including Hannah Blythyn, continue to campaign for a sustainable banking solution in Holywell. Residents affected by the closure are encouraged to contact her office.

“The closure of this branch will be a major loss, but we can work together to secure a practical alternative that supports both residents and businesses,” she said.