Banking in North Ayrshire

Chris Law Excerpts

Wednesday 14th March 2018 Commons Chamber

[Patricia Gibson]

The hon. Gentleman is right that giving 10 banks a reprieve is not enough, and I am of course disappointed that none of them is in Ayrshire. I wish the banks that have been reprieved well, but I wish that we could add to that list the other 52 in Scotland that are earmarked for closure. If we could give a reprieve to the banks in my constituency, I am sure that we would make every effort thereafter to persuade RBS that the reprieve should be permanent. Obviously, the goal would be to save every bank, but I shall come back to that later because the Minister is looking at me with a bit of alarm.

I would throw one question out there in respect of digital exclusion. The banks are fond of telling us that we do not need to have branches and that we can bank online. I would particularly like to know what RBS’s advice would be to digitally excluded customers. Where do they go when the last RBS in their town closes? How do they access banking services?

[Chris Law (Dundee West) (SNP)]

My hon. Friend is making an excellent speech. RBS likes to talk about the mobile vans that are going around, one of which comes into the rural part of my constituency of Dundee West. They often stay for a very short period; they have steps to get in, so those who are infirm or disabled cannot get in; and when it is raining people often have to stand waiting for half an hour to get service, so get soaked to the skin. Does my hon. Friend agree that the people who are digitally excluded are the very people who come for that essential service?

[Patricia Gibson]

My hon. Friend is absolutely correct. RBS has informed me that in my constituency, North Ayrshire and Arran, it will replace the branches in Kilwinning, Saltcoats and Kilbirnie with mobile banks. That is completely unsatisfactory. The mobile banks are delayed by the weather and by traffic and they are not disability compliant. Apparently, the advice is that if someone is disabled, immobile or has a mobility impairment and cannot access the mobile bank, the banking teller will come out and they can do their banking in the middle of the street. Well, that’s okay, then! It is absolutely shocking.