Santander has announced it is set to close 95 branches across the UK, putting 750 jobs at risk.
The High Street bank said its customers were increasingly shifting to banking online and it aimed to start closing almost a quarter of its branches from June.
As part of the changes, Santander will also reduce hours at 36 branches and remove the front counters from 18 others.
It is the latest bank to announce branch closures, with Lloyds announcing 136 closures in January