Face-to-Face Banking: Rural Areas

Debate between Angus MacDonald and Patricia Ferguson

Tuesday 1st September 2026 Westminster Hall

[Patricia Ferguson (Glasgow West) (Lab)]

It is a pleasure to serve under your chairmanship, Mr Wishart. I congratulate the hon. Member for South Devon (Caroline Voaden) on securing today’s important debate.

I represent a very urban constituency, but I also chair the Scottish Affairs Committee and we have been looking at this issue as part of an inquiry into Scotland’s high streets. I do not have to tell you, Mr Wishart, that many Scottish communities are rural and/or remote. It is also important to note that Scotland’s population is older, relative to the UK average, and that in many areas, access to reliable internet at a decent speed is extremely poor, if it exists at all. Those factors are clearly very significant, but The Herald reported earlier this summer that three in four bank branches in Scotland have closed in the last decade. For remote and rural areas, that means, as we have heard, lengthy journeys and unreliable travel connections to access alternative branches—often for people who cannot easily move to online banking. We have heard from Members whose constituents are travelling more than 100 miles to get to the nearest bank to access the kinds of services that they used to be able to get locally.

UK Finance responded to our concerns by noting that only 2% of the UK population rely exclusively on in-person branches to do their banking, but it was unable to provide us with an equivalent figure specifically for rural Scotland. We were also disappointed at its very poor understanding of how much further—

[Mr Angus MacDonald (Inverness, Skye and West Ross-shire) (LD)]

The metropolis of Gairloch in Wester Ross—[Laughter.] It is a major town, I will have you know. It has seen its only bank closed, and Dingwall has seen its bank closed, so people have to travel two hours, each way, to get to Inverness city, and there is only one bus a day. That is bringing the town to its knees, and it is happening up and down the west coast. Does the hon. Member agree that this sort of thing is an enormous reason why we are seeing such major depopulation in remote areas?

Clean Power by 2030

Debate between Angus MacDonald and Patricia Ferguson

Thursday 11th June 2026 Westminster Hall

[Patricia Ferguson (Glasgow West) (Lab)]

I thank my Committee colleague for the way in which he presented the Committee’s findings and recommendations. It was a very interesting piece of work. One issue that came up time and again was curtailment costs—the payments made to electricity producers when turbines are not operational. Does he agree that the changes being made to the grid must happen as quickly as possible? One benefit would be a reduction in the curtailment costs, which would help bill payers across the country.

[Mr MacDonald]

I thank the hon. Lady for chairing the Committee—she was the driving force behind the report. The curtailment costs demonstrate quite how meagre the community benefits are. I do not have the curtailment cost figures to hand, but hundreds of millions of pounds are often being paid to utilities and infrastructure funds that own the wind farms but are not local—they are neither highlands-based nor Scotland-based. Basically, we are rewarding people for something they have not done to help the area. I could not agree more that the transmission lines, and the speed of getting them in, are crucial.