The Spain-based banking giant said the closures are part of an overhaul of its store network linked to a shift from its customers towards its digital services. It said 96% of all transactions are now being completed in digital channels after a rapid increase in online banking customers. The Heswall branch is due to close on May 13 and is the only Merseyside branch affected. A spokeswoman for Santander said: “In response to a continuing and sizeable shift towards customers using digital banking, we are making changes to our branches to better support our customers. The deal with TSB, which will bring more branches into the business, is expected to complete later this quarter.