Adrian Ramsay

It is a pleasure to serve with you in the Chair, Mr Wishart. I want to talk about my experience in my constituency. In Harleston, we have a temporary banking hub that has been operating for some time. I have been working with the community to press for a permanent location to be confirmed, but it is taking some time to do so. In Halesworth, the last remaining banking presence closed in December 2025, leaving the market town without a bank. The post office closed around the same time, and while we have secured a temporary post office, we do not yet have a permanent post office back on the high street. The market town of Eye has no bank branches and was without a post office for two years. It took a huge amount of work by Green councillors to secure the return of a post office, which was thanks to a local shopkeeper taking it on. The market town of Bungay perhaps illustrates the biggest problem here. The town once had branches of HSBC, Barclays, NatWest and Lloyds, but those have all gone. Link concluded that Bungay does not meet the banking hub requirements because cash facilities remain available, but access to cash is not the same as access to banking or the personalised support that staff, branches and banking hubs provide. Link also said that a banking hub would not be granted for Bungay because there is one in Harleston, but in rural communities, getting from one market town to another is not always easy. As the Government review access to banking services, will the Minister look at whether communities such as Bungay, where there is a clear demand for face-to-face services, can qualify for banking hubs even if cash withdrawals are accessible? Can Link’s assessment criteria be updated to reflect that, and can the bureaucratic obstacles to getting replacement post offices and banking hubs be reduced? We have heard clearly from Members across the Chamber how crucial banking services are, particularly to rural communities, to avoiding isolation and ensuring that our market towns can flourish. I hope that Government policies will make that easier.