The Great British Bank Disappearing Act is leaving towns, villages, pensioners, disabled people, small businesses and cash users without proper access to local banking services. In this episode of Mark and Pete, we look at the rapid closure of UK bank branches, the decline of cash machines, the rise of online banking, and the awkward little question nobody in a glass office seems very keen to answer: what happens to the people who cannot, or simply do not, live their lives through an app?

Across Britain, thousands of bank branches have closed since 2015, leaving many communities with no local Barclays, Lloyds, NatWest, HSBC, Santander or Halifax branch at all. Banks say customers have moved online, and yes, many have. Mobile banking is convenient, quick and marvellous right up to the point where your account is frozen, your password disappears into the digital mist, your elderly mother needs help, or the fraud department decides to communicate like a nervous submarine.

This episode asks whether bank branch closures are simply the price of progress, or whether access to money should be treated as essential local infrastructure. After all, banking is not a boutique hobby. People need to withdraw cash, pay in cheques, deposit takings, get change for small businesses, sort out bereavement paperwork, deal with scams, manage powers of attorney, and speak to an actual human being who is not called “Chat Assistant” and does not end every sentence with “Was this helpful?”

We discuss banking hubs, Post Office banking, mobile bank vans, cash access rules, rural communities, digital exclusion, elderly customers, vulnerable people, disabled customers, small traders and the growing divide between those who can bank online and those being politely abandoned by it.

The great promise was that technology would make life easier. For many people it has. But for others, the disappearance of local banks means longer journeys, more anxiety, less independence and a real loss of dignity. Efficiency is useful. Cold efficiency is something else.

Mark and Pete ask: should banks be required to keep local face-to-face services? Should every town have a banking hub? And can Britain make banks local again before the last branch vanishes, leaving only an ATM, a QR code and a laminated apology?