Returning face to face banking to Britain’s high streets.
The First Independent, Multi-Bank, Multi-Service, Omni-Channel Platform
Store closures are excluding over 23 million people from accessing the financial system
Since 2015, thousands of bank stores 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 stores have closed, around 54 each month. Yet banks only report on deposits, withdrawals, and vulnerable customers, missing the wider impact. Stores offer much more, and many at-risk customers are not flagged without their consent.
02
Who’s left behind?
Stores closures affect far more than just the elderly and vulnerable. Over 23 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. Stores 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 store, 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
Financial and customer experience stores, the first of their kind globally.
02
A platform that gives better access to the financial services eco-system
03
Access to savings, loans, investments, and insurance via one location
04
A hybrid model inspired from the concept of shared stores
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Super-App integration for seamless physical and digital experience
Access to multiple banks and services from any store location.
Access to multiple providers for savings, investments, lending and insurance.
Seamlessly switching from store to digital, and digital to store.
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 store location
Seamless onboarding across the banxlocal app and in-store 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
From Concept
To Creation
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- store experience, our Super App will be launched soon after the launch of our first store.
Multi-Bank Account Overview
Payments & FX
Savings & Loans Marketplace
Identity Verification
Seamless App-to-Store Experience
Simplified Onboarding
