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Access to cash
We know many people and businesses still need cash. That’s why the Financial Conduct Authority (FCA) has made rules to help protect your access to it. These rules started on 18 September 2024 and apply to financial services providers chosen by His Majesty’s Treasury (HMT).
If you live in certain areas, you may qualify for additional support.
Find out more about the services available to customers who live or are based in areas where a shortage in cash access has been identified:
Worried about access to cash near you?
We work with a group called LINK, the UK’s cash access coordinator. They check if people in each area can still get cash.
If a bank plans to close a branch or ATM, LINK will review how that might affect you. If needed, they may suggest:
- a new free-to-use ATM for cash withdrawals (some may also offer the option to deposit cash)
- a banking hub (a building on the high street which includes a counter run by the Post Office allowing cash deposits and cash withdrawals)
- new or improved Post Office services.
How to check cash services in your area
Use LINK’s cash locator tool to find places near to you where you can withdraw or deposit cash. You can also use filters to find places with access to notes and coins and free-to-use ATMs.
Co-operative Bank customers can:
- deposit or take out cash at any of our 50 branches
- use any of the 11,500 Post Office branches (limits apply)
- withdraw cash at most other ATMs (limits apply).
You can get help to:
Find a Co-operative Bank branch
Want LINK to review your area?
Here's how you can ask LINK to look at your area:
- First, check if LINK has already reviewed your area.
- If not, you can ask for a review online or by post. You can do this on your own, through a local group, or with help from someone else.
What happens after a review?
LINK will look at how easy it is to get cash in your area. If they think it’s not good enough, they’ll suggest what should be done to fix it.
Where to see review results
LINK shares the results of its reviews online. You can filter by your local area, bank, or country.
What the review includes
Each review lists:
- the closest bank that serves both personal and businesses customers
- the three nearest banks (including those which only serve personal customers)
- the three nearest free ATMs or Post Offices.
It also explains what new services LINK recommends.
Examples of what LINK recommends
1. Help for personal and/or business customers
LINK may suggest:
- new or better Post Office services
- new or replacement ATMs
- Banking hubs with trained staff to help with deposits or withdrawals.
If your area has poor access to cash because of distance, travel issues, or poor service, you may qualify for help from us. You might be eligible if:
- you live within 1 mile of an affected urban area
- you live within 3 miles of an affected rural area
- you have a disability (temporary or permanent) and need extra support.
Locations where cash deposit and withdrawal support is available (PDF) - last updated 8 September 2025
Need help? Call 0345 600 0529 and ask for Access to cash support. We're open Monday to Friday, 8am to 6pm and Saturday and Sunday, 9am to 5pm (call charges apply).
2. Cash deposit machines for businesses
LINK sometimes suggests adding a machine where businesses can deposit notes and coins.
We do not offer this service. But if your area is listed in the locations where automated cash deposit service is recommended (PDF) - last updated 8 September 2025, we may be able to help in other ways, like collecting cash from your business.
To talk to us, call 03457 213 213. We're open Monday to Friday, 8am to 6pm and Saturday, 9am to 12pm (call charges apply).
More details
You can find a full list of LINK’s review results and all suggested services by visiting LINK's assessment outcomes page.
What is a cash access request?
A cash access assessment is when LINK checks what cash-related services are available in an area, including:
- Whether the services are free to use for personal account holders
- Whether a reasonable mix of coins and banknotes can be deposited or withdrawn
- Whether an appropriately trained person is available to help with the services.
When will a cash access assessment happen?
A cash access assessment will usually happen whenever:
- A person or group sends a cash access request
- A bank branch or ATM is due to close.
If an assessment has already been done in the last 12 months for the same area and same reasons, a new assessment may not be done. But you can let LINK know if you think their decision was wrong.
Can you appeal the decision of a cash access assessment?
If you think LINK got it wrong, you can appeal their decision and they’ll review it.
Who is in charge of cash access requests and assessments?
All cash access assessments will be done by LINK. They’re regulated by the Bank of England, Financial Conduct Authority and Payment Systems Regulator. Read more about LINK.
How do banks have to make sure cash access is sufficient?
The regulation means that we, along with 13 other banks, must:
- Monitor whether cash can be accessed reasonably easily in the areas we have customers
- Identify when more cash services are needed whenever we plan to change local services
- Respond to local residents, community organisations and representative groups who request an assessment of whether there are gaps in local cash access
- Provide reasonable additional cash services wherever there are significant gaps found in cash access assessments
- Keep existing facilities, including bank branches and ATMs, open until alternative ways of accessing cash are available.