Not in the case of Barclays last thursday. My wife had to make an urgent payment on a property transaction. Went to main branch - which of course is entirely automated, has, oh, maybe two staff doing equivalent job to those people who kick self-checkout machines in supermarkets.
All machines were down. NONE of Barclays branches had any access to any banking services that afternoon.
So if "online" is out, and "branch" is out, exactly how were Barclays still a consumer bank that day?