A HSBC bank In Harrow has survived a culling of 114 branches in the face of declining footfall.

The banking giant announced on Wednesday that more than 100 branches across the UK will close, but the branch in St Ann’s Road, Harrow, will instead be refurbished.

The bank said it is investing tens of millions of pounds in updating and improving its remaining branch network, which will total 327 after the new wave of closures.

Harrow is instead among 20 to see a refurbishment with new improvements.

Meanwhile other north London branches in Finchley Road, Palmers Green and North Finchley will be closing their doors next year.

The decline in customers using branches has accelerated so much since the Covid pandemic that some of those closing are serving fewer than 250 people a week, HSBC said.

Usage of its mobile app has almost tripled since 2017, with the vast majority of transactions completed digitally.

Jackie Uhi, HSBC UK’s managing director of UK distribution, said: “People are changing the way they bank and footfall in many branches is at an all-time low, with no signs of it returning. Banking remotely is becoming the norm for the vast majority of us.

“The decision to close a branch is never easy or taken lightly, especially if we are the last branch in an area, so we’ve invested heavily in our ‘post-closure’ strategy, including providing free tablet devices to selected branch customers who do not already have a device to bank digitally, alongside one-to-one coaching to help them migrate to digital banking.”