Returning face to face banking to Britain’s high streets.
financial inclusion is a fundamental right, not a privilege.
One branch. Multiple banks. Total access.
banxlocal is creating an independent branch network that gives people access to multiple banks, building societies, and financial services from a single location. By combining digital innovation with face-to-face service, we’re making banking more local, inclusive, and community-focused.
Branch closures are excluding over 20 million people from accessing banking services
Since 2015, thousands of bank branches have closed, leaving many communities without access to basic banking. Millions of people now face long travel times, limited support, and growing financial exclusion, especially those without digital access.
01
The decline of traditional banking
Since 2015, over 6,000 branches have closed, around 54 each month. Yet banks only report on deposits, withdrawals, and vulnerable customers, missing the wider impact. Branches offer much more, and many at-risk customers are not flagged without their consent.
02
Who’s left behind?
Branch closures affect far more than just the elderly and vulnerable. Over 20 million people are under-served or excluded from the financial system — including those with low digital skills, limited financial literacy, or physical barriers to using online services.
03
The need for human connection
Despite digital options, 55% of people still prefer face-to-face banking. Branches are more than service points, they’ve long been the heart of communities, offering real human connection, support, and familiarity.
04
A smarter way forward
banxlocal offers a new model: access to multiple banks and services from one branch, including providers previously available only online. With over 300 banks registered in the UK, it’s time to move beyond the dominance of the big five and bring real choice back to the high street.
Bringing the best of both worlds
A future-ready banking model that’s local, digital, and customer-first.
01
Multi-bank, building society, and multi-service branches, the first of their kind globally
02
A platform that gives access to digital and alternative banks
03
Access to savings, loans, investments, and insurance via one location
04
A hybrid model inspired from the concept of shared branches
05
Super-App integration for seamless physical and digital experience
Access to multiple banks and services from any one branch location.
Access to multiple providers for savings, investments, lending and insurance.
Seamlessly switching from branch to digital, and digital to branch.
The Core
A Central Banking System Built for Flexibility and Scale
The CBS powers daily operations and connects directly with SaaS providers and partner banks via REST APIs, enabling a seamless, omni-channel customer experience.
Customer Information Management
Manages customer data including names, contact details, account numbers, balances.
Account Management
Tracks deposits, withdrawals, and transactions across partner bank accounts.
Document Management
Stores and retrieves electronic documents like ID, address proof, and statements.
Financial Crime Prevention
Supports KYC, AML monitoring, and fraud detection processes.
Regulatory Reporting
Generates reports and insights to support compliance and decision-making.
Access to multiple banks and services providers from any one branch location
Seamless onboarding across the banxlocal app and in-branch support
Self-service kiosks for account information, payments, savings, and ATM access for deposits and withdrawals
Private booths for direct video calls with partner bank representatives
Live screens showcasing savings offer from partner banks
The super app
One app. Every service. Total control.
Our feature-rich Super App gives customers secure access to payments, savings, loans, and currency exchange in one place. To support the out-of- branch experience, our Super App will be launched soon after the launch of our first branch.
Multi-Bank Account Overview
Payments & FX
Savings & Loans Marketplace
Identity Verification
Seamless App-to-Branch Experience
Simplified Onboarding
