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Network banking constitutes commercial arrangements between Post Office Ltd and high street banks allowing their current account customers to access their accounts at post office branches. Currently customers of Alliance and Leicester, Bank of Ireland, Barclays (England and Wales only), Clydesdale Bank, The Co-operative Bank, Lloyds TSB (England, Scotland and Wales only) and Nationwide Building Society can access their current accounts at post offices. Current accounts of the Internet banks Cahoot, First Direct (Scotland only) and Smile are also accessible at post offices.
In addition to the commercial network banking arrangements, universal banking services at post offices were introduced on 1 April 2003 to enable those who wish to do so to continue to access cash and benefits at post office counters following the migration from order books to direct payment. Under these arrangements, The Abbey, Alliance and Leicester, Bank of Ireland, Bank of Scotland, Barclays, Clydesdale Bank, The Co-operative Bank, First Trust Bank, Halifax, HSBC, Lloyds-TSB, Nationwide Building Society, Natwest, Northern Bank, Royal Bank of Scotland, Ulster Bank and Yorkshire Bank each have a basic bank account product accessible at post offices.