I would say PayPoint. We have had a few Post Offices shut in my area (in my town and the adjoining town) and we have no banks left in my or neighbouring towns and three cash machines removed with the two remaining being not big bank machines but independent ones. However despite banks and Post Offices shutting down the PayPoints are in convienience stores and are convienient to get to and open more hours, 08:00-22:00 seven days a week compared to our now closed Post Office which was open five days a week but shut for lunch from 12:30 - 2:00