https://www.fca.org.uk/publication/research/financial-lives-consumers-across-uk.pdf<\/a><\/p> <\/p>
This government is committed to building an economy where everyone, regardless of their background or income, can access the financial services and products they need, including a bank account. Under the Payment Account Regulations 2015 (PARs) the nine largest personal current account providers in the UK are legally required to offer fee-free basic bank accounts to customers who do not have a bank account or who are ineligible for a bank\u2019s standard current account. Accounts have all the standard payment features such as direct debits and standing orders, though no overdraft or cheque book facilities. The Treasury\u2019s December 2018 publication shows that in total there are nearly 7.5 million basic bank accounts open in the UK.<\/p>
<\/p>
More generally, in November 2017, the Government announced the creation of the Financial Inclusion Policy Forum. The Forum has now met three times and has successfully brought together key leaders from industry, charities and consumer groups, as well as Government ministers and the regulators, to provide leadership in tackling financial exclusion. The Forum has delivered important work already, and made tangible progress. A sub-group of the Forum set up last summer, examined the issue of access to affordable credit, and made a number of recommendations, many of which formed part of a package on affordable credit presented at Budget 2018. The Government also published its first annual financial inclusion report on 25 March which takes stock of the Government\u2019s progress in this area.<\/p>"}
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