The closures form part of a wider programme affecting branches across Lloyds Banking Group, which also owns Lloyds and Halifax. According to the Express, Bank of Scotland has no further branch closures planned for the remainder of 2026 after the Hawick and Grangemouth sites shut.
Bank Says Changing Customer Habits Are Behind the Closures
Bank of Scotland has linked both closures to changes in the way customers manage their money. The bank said that before deciding to close a branch, it examines how customers are using its services, with many now preferring mobile banking, online banking or telephone services.
“Before we close any branch, we look at how customers are doing their banking,” Bank of Scotland said, according to the Express. “Most customers prefer to use our mobile app, online banking or call us.” The bank said this shift in customer behaviour was the reason for closing the two locations.
The decision has nevertheless prompted concern in both communities. In its review of the Hawick branch, Bank of Scotland said some customers had raised questions, disappointment and concerns over the closure. Staff responded by explaining alternative banking options available locally and helping customers identify services suited to their needs.
A local councillor also contacted the bank to express disappointment. Bank of Scotland said it explained that a Banking Hub would be available as an alternative and outlined the services it could provide.
In Grangemouth, customers raised similar concerns. Brian Leishman MP also asked why the branch was closing, where the new Banking Hub would be located and what services would be offered. The bank said it provided information about the closure, alternative ways to bank and future cash-access arrangements.
Support Measures Introduced As Branch Network Contracts
Bank of Scotland said it has contacted customers known to rely on the Hawick and Grangemouth branches as their main way of banking, including people who may require additional assistance.
According to the bank’s information reported by the Express, those customers have been told about alternative banking methods and offered support where required. Staff at both branches have also held digital-support events designed to help customers register for and use online and mobile banking services.
The bank has also partnered with the Digital Helpline, which provides free one-to-one telephone support for people who need help using the internet for banking. Customers identified as needing extra assistance have been given contact details for the service.
The two October closures follow 26 other Bank of Scotland branch shutdowns during 2026. Locations already affected include Aberdeen, Alexandria, Annan, Bellshill, Bishopbriggs, Blairgowrie, Broughty Ferry, Castle Douglas, Dingwall, Erskine, Gairloch, Haddington, Helensburgh, Kelso, Largs, Larkhall, Lochgilphead, Penicuik, Rutherglen, St Andrews, Stonehaven and Tain, as well as two Glasgow branches and other sites across Scotland.
Hawick will close on 7 October 2026, while Grangemouth will follow on 8 October, completing Bank of Scotland’s currently scheduled branch closures for the year.
