FCA: Access to cash coverage in the UK 2022 Q2

This is an overview of geographical cash access coverage in the UK at the end of the second quarter (April to June) of 2022. This monitoring forms part of the FCA’s work on access to cash.

On a quarterly basis, the FCA, along with the Payment Systems Regulator (PSR), gather and update data on access to cash. This captures the locations of cash access points and other relevant information like temporary closures, opening hours, and accessibility. This data covers brick-and-mortar, mobile bank, and building society branches, automated teller machines (ATMs), and the Post Office network. We supplement this information with annual data on cashback locations.

This analysis provides insights on the proportion of the population that lives within a range of distances of various cash access points, although in this summary the FCA focuses on those within 2km and 5km of a cash access point.

The FCA estimates that for access to any bank, building society, Post Office branch, or any ATM (either free or pay-to-use):

* 96.5% of the UK population are currently within 2km of a cash access point
* 99.8% of the UK population are currently within 5km of a cash access point
* 96.3% of the UK population are currently within 2km of a free-to-use cash access point
* 99.8% of the UK population are currently within 5km of a free-to-use cash access point

For the UK as a whole, estimates of coverage at 2km and 5km for all access points, including free-to use access points only, have not changed since 2022 Q1. This applies to the UK population overall, as well as rural and urban populations separately. It also applies whether we include or exclude cashback. However, there has been changes in the type of access points available over this time. Between 2022 Q1 and 2022 Q2:

* the number of brick-and-mortar branches of the larger banks and building societies providing personal current accounts (PCA) fell by 107 branches between Q1 and Q2, a decrease of 2.1%.
* there was a small decrease in the availability of Post Office branches (0.6%) between Q1 and Q2.
* there was a small decrease in number of free-to-use ATMs (0.6%) while the number of pay-to-use ATMs dropped by 1.3%

本概述旨在阐述2022年第二季度（四月至六月）英国地理现金获取覆盖率。此监测工作是英国金融 Conduct Authority（FCA）关于现金获取研究的一部分。

FCA及其支付系统监管机构（PSR）按季度收集并更新现金获取数据，涵盖现金获取点的位置及其他相关信息，如临时关闭、营业时间以及可及性。这些数据包括实体银行、移动银行、互助会分支机构、自动柜员机（ATM）以及邮政网络。此外，我们还补充了现金返还位置的年度数据。

本分析揭示了居住在距各类现金获取点一定范围内的人口比例，尽管在本概述中，FCA主要关注位于现金获取点2公里和5公里范围内的人群。

FCA估计，对于任何银行、互助会、邮政局分支机构或任何ATM（无论是免费使用还是付费使用）的获取，目前英国96.5%的人口位于2公里范围内，99.8%的人口位于5公里范围内；96.3%的人口位于免费使用的现金获取点2公里范围内，99.8%的人口位于5公里范围内。

就整个英国而言，自2022年第一季度以来，2公里和5公里范围内所有获取点的覆盖率，包括仅限免费使用的获取点，并未发生变化。这适用于整体英国人口，以及农村和城市人口分别，无论是否包含现金返还。然而，在此期间，可用的获取点类型已发生变化。在2022年第一季度和第二季度之间：
* 提供个人活期账户（PCA）的较大银行和互助会的实体分支机构数量从第一季度到第二季度减少了107家，降幅为2.1%；
* 邮政局分支机构在第一季度到第二季度间有所减少（0.6%）；
* 免费使用的ATM数量略有下降（0.6%），而付费使用的ATM数量下降了1.3%。