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Select Committee · Scottish Affairs Committee

Access to cash in Scotland

Status: Closed Opened: 12 Jan 2022 Closed: 3 May 2023 5 recommendations 9 conclusions 1 report

The non-inquiry sessions will focus on access to cash and financial services in Scotland. The non-inquiry sessions are likely to: Understand the impact of bank branch closures on Scottish communities and workers Assess measures to ensure access to cash for consumers in Scotland Analyse the viability of alternatives to ATMs and bank branches, including the … Show more

Clear

Reports

1 report
Title HC No. Published Items Response
Second Report - Access to cash in Scotland HC 80 11 Jul 2022 14 Responded

Recommendations & Conclusions

1 item
8 Recommendation Second Report - Access to cash in Scotl… Accepted in Part

We welcome industry-led initiatives, such as LINK’s Financial Inclusion Programme, to provide free access to...

We welcome industry-led initiatives, such as LINK’s Financial Inclusion Programme, to provide free access to cash via free-to-use ATMs in the most rural and deprived areas of the UK. This is especially important in Scotland considering the physical and digital connectivity challenges it faces. However, it is unacceptable that an … Read more

Government response AI summary
The government did not commit to future legislation guaranteeing free access to cash but referred to legislation that allows HM Treasury to designate industry coordination bodies for FCA oversight, which could play a role in the future of cash provision.
Read full response →
Scotland Office

Oral evidence sessions

3 sessions
Date Witnesses
23 May 2022 John Glen · HM Treasury, Laura Mountford · HM Treasury View ↗
7 Feb 2022 Carol Anderson · TSB, Fergus Murphy · Virgin Money UK, Martin Kearsley · Post Office, Reza Attar-Zadeh · Santander UK, Ricky Diggins · Lloyds Banking Group View ↗
17 Jan 2022 Adrian Roberts · LINK, David Postings · UK Finance, Debbie Hutchings · Unite the Union, Richard Cooper · Cardtronics Division, Richard Piggin · Which? View ↗

Who gave evidence

12 witnesses
WitnessOrganisationSessions
Adrian Roberts · Chief Commercial Officer LINK 1
Carol Anderson · Branch Banking Director TSB 1
David Postings · Chief Executive UK Finance 1
Debbie Hutchings · Regional Officer Unite the Union 1
Fergus Murphy · Group Chief Customer Experience Officer Virgin Money UK 1
John Glen · Minister of State (Economic Secretary) HM Treasury 1
Laura Mountford · Deputy Director - Payments and Fintech HM Treasury 1
Martin Kearsley · Banking Director Post Office 1
Reza Attar-Zadeh · Head of Customer Interactions Santander UK 1
Richard Cooper · Executive Director, Marketing Cardtronics Division 1
Richard Piggin · Head of External Affairs Which? 1
Ricky Diggins · Community Bank Business Delivery Director Lloyds Banking Group 1

Correspondence

7 letters
DateDirectionTitle
20 Jun 2022 To cttee Letter from John Glen, Economic Secretary, HM Treasury, on the follow-up to acc…
20 Jun 2022 To cttee Letter from Duncan Cockburn, CEO, OneBanks, on the follow-up to access to cash
14 Jun 2022 — Policy briefing from Age Scotland on Access to cash in Scotland, dated May 2022
7 Mar 2022 To cttee Letter from Andrew McIntyre, Senior Communications Manager, Scotland, TSB, fol…
31 Jan 2022 To cttee Letter from Duncan Cockburn, CEO, OneBanks, on access to cash and the OneBanks…
18 Jan 2022 To cttee Letter from Richard Cooper, Executive Director–Marketing, NCR, Cardtronics Divi…
25 Oct 2021 To cttee Letter from Debbie Hutchings, Regional Officer, Unite the Union, on Virgin Mone…

Meetings & visits

2 items
DateTypeDetail
17 Oct 2022 Formal meeting (private meeting) — · Room 15, Palace of Westminster
5 Jul 2022 Formal meeting (private meeting) — · Room 5, Palace of Westminster