We know many people and businesses rely on cash to get things done. And the Financial Conduct Authority (FCA) has now introduced rules to help protect your access to it.
Having access to cash means it’s reasonably easy for you to deposit or withdraw cash when you need it. The regulation means banks have a duty to protect your access to cash, including after we make changes to local services, such as closing bank branches or ATMs.
We work with LINK to make sure access to cash is good enough wherever we have customers. LINK sets clear rules about which places need to have better access to cash, and reviews all proposals to close bank branches.
Cash services which could be introduced to fill gaps include a new free cash machine or a banking hub (where you can do your banking with different banks all in one place).
You can use LINK’s cash locator tool to check for places to withdraw and deposit cash. You can use filters to show which accept coins and which accept notes, and which are free to use.
Co-operative Bank customers have the option to deposit or withdraw cash in any of our 50 branches or in any of roughly 11,500 Post Office branches (daily cash limits apply), and may also be able to withdraw cash from ATMs.
Co-operative Bank branch finder
Personal banking at a Post Office
Business banking at a Post Office
LINK will run a cash access assessment to check whether access is sufficient. If they decide it’s not, they’ll make recommendations on what needs to happen next to make things better.
You can check LINK’s list of outcomes. You can filter by local area, country or bank.
The assessments list the existing cash access services, including the address and distance of:
They also explain what facilities LINK recommends.
Assessments have recommended the need for the following services.
The recommended services include the launch of new Post Office counter services, or enhancements to existing Post Office branches, or a new or replacement ATM. Once open, these should provide the option for personal and/or business customers to make cash deposits and withdrawals, with assistance from trained colleagues.
The recommended service is an automated cash deposit service (to accept notes and coin, or notes only).
This service will not be available for our customers so if your business is affected in an area listed in the assessment recommendations (PDF), just get in touch. We can discuss other options, such as us collecting cash from your business premises.
Call 03457 213 213. Lines are open Monday to Friday, 8am to 6pm and Saturday, 9am to 12pm (call charges).
You can read a summary of the assessment recommendations so far. This includes the locations and which new services are recommended.
Assessment recommendations (PDF) - last updated 29 January 2025
We update this page regularly but for the latest information, check LINK’s assessment outcomes page.
A cash access assessment is when LINK checks what cash-related services are available in an area, including:
A cash access assessment will usually happen whenever:
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.
If you think LINK got it wrong, you can appeal their decision and they’ll review it.
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.
The regulation means that we, along with 13 other banks, must:
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