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Mobile bank service termination leaves Pembrokeshire locals stranded

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SOME Pembrokeshire residents will face a significant banking challenge this spring, as Lloyds Bank announces the discontinuation of its mobile branch service that has been a financial lifeline for many.

Since 2016, communities across St Davids, Fishguard, Newport, Newcastle Emlyn, Tenby, and Milford Haven have witnessed the closure of their local Lloyds branches, with the St Davids branch being the most recent casualty last year.

To mitigate these closures, a mobile banking service was introduced, making stops in vital locations such as Tenby’s Five Arches Car Park, Milford Haven’s Tesco Superstore, and several others, providing services every fortnight. This service allowed residents to perform essential banking transactions, including cash withdrawals, cheque deposits, bill payments, and more. However, the clock is ticking for these mobile branches, with services in Tenby and Milford Haven ending on May 13, followed by Tregaron and Newcastle Emlyn on May 22, and finally, Newport and Fishguard on May 28.

Lloyds’ decision comes in the wake of research indicating a decline in mobile banking usage, with only 58 regular customers using the service along the Pembrokeshire route in the six months up to July 2023. The bank notes that 34% of its mobile branch users in Pembrokeshire are over the age of 75, highlighting the service’s importance to the elderly community. Despite this, 69% of the mobile branch’s users have also utilised other banking methods, including internet and phone banking, or services provided by the Post Office.

In response to the service’s cessation, Lloyds plans to introduce more community bankers to assist customers with their banking needs in a more traditional setting. These bankers will operate in community spaces or banking hubs, ensuring that personal and business customers still have access to necessary financial services.

A Lloyds spokesperson commented on the change, stating, “Customers have used our mobile branches much less over time, and some locations now see as little as two customers using the service. We’re introducing more community bankers, alongside the other options customers already have for their banking.”

This shift away from mobile and face-to-face banking towards digital solutions is part of a larger trend observed across the banking industry. Lloyds itself is expanding its ‘relationship growth’ team by creating 830 jobs to enhance customer service, despite cutting jobs in other areas as it adjusts to changing customer preferences. Currently, only 8% of Lloyds’ customers rely exclusively on high street branches for their banking.

Business

Cardiff Airport announces special Air France flights for Six Nations

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Direct services to Paris-Charles de Gaulle launched to cater for Welsh supporters, French fans and couples planning a Valentine’s getaway

CARDIFF AIRPORT and Air France have unveiled a series of special direct flights between Cardiff (CWL) and Paris-Charles de Gaulle (CDG) scheduled for February 2026.

Timed to coincide with two major dates — the Wales v France Six Nations clash on Saturday 15 February and Valentine’s weekend — the flights are designed to offer supporters and holidaymakers an easy link between the two capitals.

For travelling French rugby fans, the services provide a straightforward route into Wales ahead of match day at the Principality Stadium, when Cardiff will once again be transformed by the colour, noise and passion that accompanies one of the tournament’s most eagerly awaited fixtures.

For Welsh passengers, the additional flights offer a seamless escape to Paris for Valentine’s Day, as well as opportunities for short breaks and onward travel via Air France’s wider global network.

Cardiff Airport CEO Jon Bridge said: “We’re thrilled to offer direct flights to such a vibrant and exciting city for Valentine’s weekend. Cardiff Airport is expanding its reach and giving customers fantastic travel options. We’ve listened to passenger demand and are delighted to make this opportunity possible. There is more to come from Cardiff.”

Tickets are already on sale via the Air France website and through travel agents.

Special flight schedule

Paris (CDG) → Cardiff (CWL):

  • 13 February 2026: AF4148 departs 17:00 (arrives 17:30)
  • 14 February 2026: AF4148 departs 14:00 (arrives 14:30)
  • 15 February 2026: AF4148 departs 08:00 (arrives 08:30)
  • 15 February 2026: AF4150 departs 19:40 (arrives 20:10)
  • 16 February 2026: AF4148 departs 08:00 (arrives 08:30)
  • 16 February 2026: AF4150 departs 16:30 (arrives 17:00)

Cardiff (CWL) → Paris (CDG):

  • 13 February 2026: AF4149 departs 18:20 (arrives 20:50)
  • 14 February 2026: AF4149 departs 15:20 (arrives 17:50)
  • 15 February 2026: AF4149 departs 09:20 (arrives 11:50)
  • 15 February 2026: AF4151 departs 21:00 (arrives 23:30)
  • 16 February 2026: AF4149 departs 09:20 (arrives 11:50)
  • 16 February 2026: AF4151 departs 17:50 (arrives 20:20)
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Business

Cwm Deri Vineyard Martletwy holiday lets plans deferred

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CALLS to convert a former vineyard restaurant in rural Pembrokeshire which had been recommended for refusal has been given a breathing space by planners.

In an application recommended for refusal at the December meeting of Pembrokeshire County Council’s planning committee, Barry Cadogan sought permission for a farm diversification and expansion of an existing holiday operation through the conversion of the redundant former Cwm Deri vineyard production base and restaurant to three holiday lets at Oaklea, Martletwy.

It was recommended for refusal on the grounds of the open countryside location being contrary to planning policy and there was no evidence submitted that the application would not increase foul flows and that nutrient neutrality in the Pembrokeshire Marine SAC would be achieved within this catchment.

An officer report said that, while the scheme was suggested as a form of farm diversification, no detail had been provided in the form of a business case.

Speaking at the meeting, agent Andrew Vaughan-Harries of Hayston Developments & Planning Ltd, after the committee had enjoyed a seasonal break for mince pies, said of the recommendation for refusal: “I’m a bit grumpy over this one; the client has done everything right, he has talked with the authority and it’s not in retrospect but has had a negative report from your officers.”

He said the former Cwm Deri vineyard had been a very successful business, with a shop and a restaurant catering for ‘100 covers’ before it closed two three years ago when the original owner relocated to Carmarthenshire.

He said Mr Cadogan then bought the site, farming over 36 acres and running a small campsite of 20 spaces, but didn’t wish to run a café or a wine shop; arguing the “beautiful kitchen” and facilities would easily convert to holiday let use.

He said a “common sense approach” showed a septic tank that could cope with a restaurant of “100 covers” could cope with three holiday lets, describing the nitrates issue as “a red herring”.

He suggested a deferral for further information to be provided by the applicant, adding: “This is a big, missed opportunity if we just kick this out today, there’s a building sitting there not creating any jobs.”

On the ‘open countryside’ argument, he said that while many viewed Martletwy as “a little bit in the sticks” there was already permission for the campsite, and the restaurant, and the Bluestone holiday park and the Wild Lakes water park were roughly a mile or so away.

He said converting the former restaurant would “be an asset to bring it over to tourism,” adding: “We don’t all want to stay in Tenby or the Ty Hotel in Milford Haven.”

While Cllr Nick Neuman felt the nutrients issue could be overcome, Cllr Michael Williams warned the application was “clearly outside policy,” recommending it be refused.

A counter-proposal, by Cllr Tony Wilcox, called for a site visit before any decision was made, the application returning to a future committee; members voting seven to three in favour of that.

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Business

Welsh Govt shifts stance on business rates after pressure from S4C and Herald

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Ministers release unexpected statement 48 hours after widespread concern highlighted in Welsh media

THE WELSH GOVERNMENT has announced a new package of tapered business rates relief for 2026-27, in a move that follows sustained pressure from Welsh media — including S4C Newyddion and The Pembrokeshire Herald — over the impact of revaluation on small businesses.

In Milford Haven, the hard-pressed pub sector is already feeling the impact: the annual bill for The Lord Kitchener is rising from £5,000 to £15,000, while rates at the Kimberley Public House have nearly doubled from £10,500 to £19,500. The Imperial Hall’s rates are increasing from £5,800 to £9,200, prompting director Lee Bridges to question why businesses “are being asked to pay more when we use less services”. In Haverfordwest, the annual rates bill for Eddie’s Nightclub is increasing from £57,000 to £61,500.

A written statement, issued suddenly on Wednesday afternoon, confirms that ministers will introduce a transitional “tapering mechanism” to soften steep increases for tourism, hospitality and small independent operators. Full details will be published with the draft Budget later this month.

The announcement comes less than two days after The Herald’s in-depth reporting brought forward direct concerns from Pembrokeshire business owners and councillors, highlighting the uncertainty facing one of Wales’ most important local industries.

Herald reporting credited by senior councillor

Cllr Huw Murphy

Pembrokeshire County Council Independent Group Leader Cllr Huw Carnhuan Murphy publicly thanked The Herald for pushing the issue into the spotlight.

In a statement shared on Wednesday, Cllr Murphy said: “Welcome news from Welsh Government. Thanks to Tom Sinclair for running this important item in the Herald in relation to the revaluation of businesses and the consequences it will have for many.

He added: “Newyddion S4C hefyd am redeg y stori pwysig yma ynghylch trethi busnes.,” which in English is “and thanks to S4C Newyddion as well for running this important story about business taxes.”

He added that the Independent Group “will always campaign to support our tourism and agriculture industry, on which so many residents rely within Pembrokeshire”.

Media spotlight increased pressure on Cardiff Bay

On Monday, ministers said business rates plans would be outlined “within the next two weeks”.
By Wednesday afternoon — following prominent coverage on S4C and continued pressure from The Herald — Welsh Government released an early written statement outlining new support.

Industry sources told The Herald they believed the level of public concern, amplified by the media, “forced the issue up the agenda much faster than expected”.

A cautious welcome for ‘better than nothing’

Cllr Murphy welcomed the partial support, though he stressed it fell short of what many businesses had hoped for.

“This isn’t the level of support many were hoping for,” he said, “but it is certainly much better than nothing.”

Draft Budget expected soon

The full tapered support scheme will be detailed in the Welsh Government draft Budget, expected within a fortnight.

Tourism and hospitality representatives have reserved final judgment until the figures are published, but many have expressed relief that some support will continue, following weeks of uncertainty.

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