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The town of Kilwinning in Ayrshire has not had a bank branch since Royal Bank of Scotland slammed shut the doors of the last remaining one three years ago. Businesses were left without basic banking facilities and residents without friendly bank staff to help them with their money.
But this month hope has appeared – in the unlikely shape of a bright pink kiosk at the back of a Co-op supermarket.
This is a OneBanks outlet, where customers of any major bank can take out and deposit money and carry out simple transactions. There is always someone on hand to help visitors – and teach them online banking skills.