As the final hours of 2025 approach, many people across the UK may be rushing to complete last-minute financial tasks. If a trip to your bank branch is on your to-do list, it is crucial to note the altered opening schedules for the upcoming holidays.
While New Year's Eve, Wednesday 31 December, is not a public holiday, the majority of high street banks plan to shut their doors earlier than usual. Conversely, New Year's Day, Thursday 1 January, is a bank holiday, meaning all physical branches will be closed for the entire day.
Early Closures on New Year's Eve
If you need to visit a bank on Wednesday, 31 December, you should aim to go during the morning or early afternoon. Most major banking groups have announced plans for reduced hours, though these can vary by individual location.
The anticipated closing times for major banks on New Year's Eve are as follows:
- Santander – Likely closing at 2pm
- Lloyds Bank – Likely closing at 2pm
- Barclays – Likely closing at 3pm
- HSBC – Likely closing at 1pm
- Nationwide Building Society – Likely closing at 3pm
- NatWest – Likely closing at 2pm
Customers are strongly advised to verify the specific times for their local branch using their bank's online branch finder tool, as individual schedules may differ.
New Year's Day: A Complete Shutdown
On Thursday, 1 January, all bank branches in the UK will be closed for the bank holiday. This means you will not be able to access counter services, safety deposit boxes, or speak to staff in person.
However, cash machines (ATMs) will remain operational for withdrawals, provided the machine itself is in service. Online and mobile banking services will also be accessible for checking balances and making payments, but customers should be aware that any transactions initiated on the bank holiday may not be processed until the next working day.
Returning to Normal Service
The standard weekly schedule is expected to resume on Friday, 2 January. Branches should open at their usual times, allowing customers to conduct any business that was delayed by the festive closures.
For those needing to perform urgent banking tasks between the early closure on the 31st and the reopening on the 2nd, using digital services or ATMs is the recommended course of action. Planning ahead for the limited availability of in-person services can help avoid any financial inconvenience as we welcome the new year.
