Megachile sp

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a leafcutter bee      Megachile (centuncularis or willughbiella) ?
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Megachilidae
Capel Road garden, 1 July 2013
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I think that this is leafcutter bee is either Megachile centuncularis or M. willughbiella.

These are similar species which would require microscopic examination to determine, butboth species are widespread and frequent in southern Britain and frequent leafcutters to visit gardens.(Falk, 2015).