Underpinning this promise is a substantial £55.8 million investment earmarked for the coming year, representing a 30% increase on the £42m spent in 2025.

The funds are allocated for a comprehensive modernisation programme, including major refurbishments and decorative updates across 78 locations. Strategic upgrades will also see the creation of Premier Centres within 29 branches, alongside the opening of two new dedicated Wealth Centres.

In stark contrast to competitors citing declining visitor numbers as justification for closures, HSBC maintains that its physical network remains a vital touchpoint. The bank reports robust activity, averaging 825,000 monthly branch visitors and over two million self-service transactions per month.

Sally Williams, head of HSBC UK’s branch network, described the move as a heavy investment to support customers, particularly those with complex needs who require face-to-face interaction for “moments that matter”. She added that the bank’s presence is effectively expanding through community initiatives, such as Banking Hubs and HSBC Local events.