Face-to-Face Banking: Rural Areas

Becky Gittins Excerpts

Tuesday 1st September 2026 Westminster Hall

[Caroline Voaden]

I could not agree more. We are facing a perfect storm of decimated public transport; appalling digital connectivity that must be addressed, as we repeatedly say in this place; and closure of banking services. Those three make a toxic combination.

Consumers and small businesses are frustrated with the service they are left with, as is the case in Totnes in my constituency. In September last year, Lloyds announced it was closing the final bank in town, leaving residents without access to banking services beyond a couple of free ATMs and the post office. It seemed obvious to me that, when Lloyds closed its doors, the remaining banking services in the town would be insufficient and that it would get a banking hub. We have a thriving market once a week, where many people use cash. We have 120 independent high street businesses, an older than average population, very poor digital connectivity and poor public transport to other towns. Not only does the town have 13,500 residents, but thousands more people in surrounding villages use it for banking.

The cash access request that I submitted to Link was turned down. I appealed but, to my huge disappointment, Link upheld its original decision, despite my meeting officials from the Treasury and raising the matter with the Prime Minister.

[Becky Gittins (Clwyd East) (Lab)]

The hon. Lady’s description of using Link for a cash access assessment for banking hubs rings true in my experience of helping my community apply for one in the rural town of Holywell, which serves lots of villages. It is not properly understood how important access to cash is, not only for local people—and the age demographic point is also true of my constituency—but for local businesses, particularly rural ones. Does the hon. Lady agree that rural and semi-rural towns should be recognised in the outcomes of the review when it is published in October?

[Caroline Voaden]

I absolutely want to see that. When Link assesses rural locations, it considers whether alternative access to cash facilities are available within three miles or 30 minutes on public transport. For Totnes, it noted that alternative facilities were available within a 19-minute bus journey—that is on a really good day. But that is only relevant to those who live in the centre of Totnes. If someone starts from one of the many satellite villages that use the bank in Totnes, it is a completely different story. There may not even be a bus to get into Totnes to pick up the other bus to get to Paignton and the bank.

The impact on local residents and businesses will be familiar: queues at the post office, which become impossible in the run-up to Christmas; hundreds of extra customers for the post office, which has no extra space or staff to cope; and businesses less keen to accept cash, because the only place they can pay it in is the post office. If someone is running a shop on their own, as I did for six years, it is impossible to shut up shop and go down the road to queue at the post office, because they have to keep the shop open to make money.

Family Businesses

Becky Gittins Excerpts

Wednesday 26th February 2025 Commons Chamber

[Mel Stride]

The treatment of our farmers by this Government has been utterly atrocious. Right before the general election, the shadow Secretary of State for Environment, Food and Rural Affairs—now the Secretary of State—looked the NFU in the eye and told them that, at least on inheritance tax, farmers had nothing to fear from a future Labour Government. The point that my hon. Friend makes is telling: they cared nothing about any of them. Within a matter of months of coming into office, they had brought in their agricultural property relief changes to the detriment of thousands of hard-working farmers up and down our country.

[Becky Gittins (Clwyd East) (Lab)]

I thank the right hon. Member for giving way. Were the wellbeing and mental health of our farming communities and the security of our food, which have just been raised by those on the Opposition Benches, a concern of yours when the Conservative Government sold our farmers down the river with dodgy trade deals with Australia and New Zealand? Was that your concern then?

[Mel Stride]

rose—

--- Later in debate ---

[Becky Gittins (Clwyd East) (Lab)]

The economy that this Labour Government inherited was a total mess. We had a Conservative Government who, for so long, ignored the problems that were building up. Instead of looking for the solutions, they obfuscated and kicked problems into the long grass. When they did make decisions—such as Liz Truss’s mini-Budget—they led to catastrophic outcomes for our economy, many of which our constituents are still paying off in their mortgages, today and for some time to come. Whether it was for a failed Rwanda scheme or for dodgy covid contracts, the Conservatives wasted money by making bad decisions, and the public paid the price.

Inevitably, inheriting an economy in such a perilous state meant that there were difficult decisions to make: decisions that could not have been anticipated until the true extent of the previous Government’s economic incompetence had been exposed in the summer of last year. What the Budget did last autumn was set out clearly our path to recovery, fixing the foundations, focusing on growth and ensuring that we are giving our economy the stability, the investment and the reform that are required to get us away from the doom loop of the Tories and back to growth.

Yes, there have been tough choices. We on the Labour Benches do not shy away from that. However, these choices mean that we can invest in our public services, including our NHS, driving down waiting lists.

[Gregory Stafford]

Will the hon. Lady give way?

[Becky Gittins]

I will not.

The UK Government have prioritised investment in Wales’s future. The result of last year’s Budget is the largest funding boost that Wales has received since devolution—£21 billion of new money—and people in Wales will see the benefits through the Barnett formula, but also through direct spending. The Budget provides a record £1.7 billion spending boost for the Welsh Government to support public services such as our NHS. The investment in our public services means more neighbourhood policing, which again is something our constituents and our local business communities desperately want. More funding will be available to support the delivery of 13,000 more police officers, police community support officers and special constables in our communities, keeping our streets safe and protecting small retail businesses from the shoplifting that was allowed to run rife under the previous Government’s £200 rule.

This is what my constituents want, and they want a Government on their side. The Opposition are more than happy to take all the benefits that this additional investment will provide, but I politely suggest that, by not outlining how they will pay for it all, their position lacks real credibility. I note that the Shadow Cabinet has already racked up about £7 billion in unfunded spending commitments, which again is not serious enough.

I am heartened that the Government are taking concrete steps to protect the smallest businesses and charities. The employment allowance will double to £10,500, meaning that some 250,000 employers will gain, and an additional 820,000 will see no change at all. I know that organisations such as the Federation of Small Businesses have welcomed these changes, as do the many small businesses in Clwyd East that gain from the uplift in the employment allowance.

In north Wales, we have already seen the benefits of two Governments working together, in Wales and at Westminster, with both being utterly focused on investment and growth. We have already seen investments in Airbus, Kellogg’s, Shotton Mill and more in our little corner of north Wales, with the same business confidence as was exemplified by the £63 billion raised at this Government’s investment summit. Green jobs will be critical in north Wales’s future. Last week, the port of Mostyn in my constituency paved the way for some 300 new jobs helping support the offshore wind industry.

When I go out to speak to businesses in my constituency—family businesses such as Jones Brothers and Clawdd Offa Farm—they simply do not make representations like those we have heard from the Opposition. They share the Government’s passion on the skills agenda and apprenticeships, reforming our restrictive planning regime and the need for investment in our NHS, which this Government are already prioritising. This Government are continuing to promote entrepreneurship, attracting billions of pounds of investment and providing the certainty that our businesses need, not least as part of the Flintshire and Wrexham investment zone.

Businesses in Clwyd East deserve better than the faux outrage from the Conservatives, and this Government will not allow them to pretend to be the champions of British business, rather than the Conservative Government who sold our farmers down the river through detrimental trade deals, and the Conservative Government who ran down our economy with Liz Truss’s mini-Budget, short-term thinking and decimated business confidence. It is the Labour Government who are committed to providing our economy with the stability and investment it needs to grow, laying the foundations for thriving businesses at the heart of prosperous communities.

Farming and Inheritance Tax

Becky Gittins Excerpts

Wednesday 4th December 2024 Commons Chamber

[James Murray]

I thank the hon. Lady for her intervention. As we know, any farmer who is renting out land or farming it themselves will typically have an estate that includes an element that is eligible for agricultural property relief. The figures I set out include those who claim for business property relief as well, and those figures are set out in the Chancellor’s letter to the Treasury Committee.

[Becky Gittins (Clwyd East) (Lab)]

Despite attempts by the Opposition to hijack this debate, I can honestly say—[Interruption.] If they want to champion our agricultural communities, they might have started around 14 years ago. The conversations that I have had with farmers in my constituency have been balanced and productive in their scope, with an understanding of why the provisions have been brought in. Given that two thirds of the land bought in England in 2023 was bought by non-farmers, does the Minister agree that it is right that this Government are taking the opportunity to close what is essentially a tax loophole for non-farmers?

[James Murray]

I thank my hon. Friend very much for her intervention. It is telling that when she makes such an important and sensible point, the Opposition do not want to hear it and try to shout her down. As she rightly points out, our changes to the reliefs will make buying land less attractive as a means of inheritance tax planning. This means that land prices are likely to become more affordable for farmers, thanks to a reduction in tax-motivated investment in agricultural land.