Question to the HM Treasury:

To ask the Chancellor of the Exchequer, what steps her Department is taking to help improve access to cash for disabled people who are not able to use cash machines.

The Government recognises that cash continues to be used by millions of people across the UK, including those in vulnerable groups, and is committed to protecting access to cash for individuals as a priority.

The Financial Conduct Authority (FCA) assumed regulatory responsibility for access to cash in September 2024. Its rules ensure cash continues to be a viable method of payment for the millions of people who depend on it and help businesses to continue to accept cash by providing reasonable access to cash deposit facilities.

The Government is also working closely with industry to roll out 350 banking hubs across the UK. The UK banking sector has committed to deliver these hubs by the end of this parliament. These hubs will provide small businesses and individuals who need face-to-face support with critical cash and in-person banking services. Over 180 Banking Hubs are already open across the UK.

The provision of cash machines (and their functions) is overseen by LINK, the operator of the UK’s largest ATM network. LINK provide a free cash locator tool on their website allowing consumers to find their nearest cash access points, including showing access points where audio assistance and wheelchair access is available. https://www.link.co.uk/cash-locator

The Equality Act 2010 provides legal protection from discrimination for disabled people in a range of circumstances, including in the provision of goods, facilities and services and requires retailers to make reasonable adjustments. The Financial Conduct Authority also requires authorised financial services firms to comply with their ‘Consumer Duty’, which requires them to deliver good outcomes for retail customers, including those with disabilities.