{"id":16522,"date":"2026-07-07T04:27:59","date_gmt":"2026-07-07T04:27:59","guid":{"rendered":"https:\/\/8657085.xyz\/?p=16522"},"modified":"2026-07-07T04:27:59","modified_gmt":"2026-07-07T04:27:59","slug":"banks-accused-of-failing-most-vulnerable-customers","status":"publish","type":"post","link":"https:\/\/8657085.xyz\/?p=16522","title":{"rendered":"Banks accused of failing most vulnerable customers"},"content":{"rendered":"<p> <div style=\"display: grid; grid-template-columns: 300px 160px; gap: 2px; width: 460px; background: #eee; padding: 2px;\">\r\n\r\n  <!-- \u6574\u884c\u5bbd\u5e7f\u544a -->\r\n  <div style=\"grid-column: 1\/-1; width: 460px; height: 250px; background: #ccc; display: grid; place-items: center;\">\r\n  <script async type=\"application\/javascript\" src=\"https:\/\/a.magsrv.com\/ad-provider.js\"><\/script> \r\n <ins class=\"eas6a97888e2\" data-zoneid=\"5876674\"><\/ins> \r\n <script>(AdProvider = window.AdProvider || []).push({\"serve\": {}});<\/script>\r\n  <\/div>\r\n  <div style=\"grid-column: 1\/-1; width: 460px; height: 90px; background: #ccc; display: grid; place-items: center;\">\r\n  <script async type=\"application\/javascript\" src=\"https:\/\/a.magsrv.com\/ad-provider.js\"><\/script> \r\n <ins class=\"eas6a97888e2\" data-zoneid=\"5876676\"><\/ins> \r\n <script>(AdProvider = window.AdProvider || []).push({\"serve\": {}});<\/script>\r\n  <\/div>\r\n\r\n  <!-- \u5de6\u4fa7\u7ad6\u6392 -->\r\n  <div style=\"height: 250px; background: #ccc; display: grid; place-items: center;\">\r\n  <script async type=\"application\/javascript\" src=\"https:\/\/a.magsrv.com\/ad-provider.js\"><\/script> \r\n <ins class=\"eas6a97888e2\" data-zoneid=\"5876672\"><\/ins> \r\n <script>(AdProvider = window.AdProvider || []).push({\"serve\": {}});<\/script>\r\n  <\/div>\r\n  <div style=\"height: 500px; background: #ccc; display: grid; place-items: center;\">\r\n  <script async type=\"application\/javascript\" src=\"https:\/\/a.magsrv.com\/ad-provider.js\"><\/script> \r\n <ins class=\"eas6a97888e2\" data-zoneid=\"5876680\"><\/ins> \r\n <script>(AdProvider = window.AdProvider || []).push({\"serve\": {}});<\/script>\r\n  <\/div>\r\n\r\n  <!-- \u53f3\u4fa7\u6469\u5929\u697c\uff08\u548c\u5de6\u4fa7\u5b8c\u5168\u5bf9\u9f50\uff09 -->\r\n  <div style=\"grid-row: 3\/5; height: 750px; background: #ccc; display: grid; place-items: center;\">\r\n  <script async type=\"application\/javascript\" src=\"https:\/\/a.magsrv.com\/ad-provider.js\"><\/script> \r\n <ins class=\"eas6a97888e2\" data-zoneid=\"5876678\"><\/ins> \r\n <script>(AdProvider = window.AdProvider || []).push({\"serve\": {}});<\/script>\r\n  <\/div>\r\n  \r\n  <script async type=\"application\/javascript\" src=\"https:\/\/a.magsrv.com\/ad-provider.js\"><\/script> \r\n <ins class=\"eas6a97888e6\" data-zoneid=\"5876682\"><\/ins> \r\n <script>(AdProvider = window.AdProvider || []).push({\"serve\": {}});<\/script>\r\n<\/div><br \/>\n<\/p>\n<div>\n<p class=\"ssrcss-1q0x1qg-Paragraph e1jhz7w10\"><b class=\"ssrcss-1xjjfut-BoldText e5tfeyi3\">Some of the UK&#8217;s biggest banks have been failing their most vulnerable customers, according to the financial regulator.<\/b><\/p>\n<p class=\"ssrcss-1q0x1qg-Paragraph e1jhz7w10\">Banks have been pushing homeless people or those in financial hardship towards unsuitable online applications and away from basic bank accounts.<\/p>\n<p class=\"ssrcss-1q0x1qg-Paragraph e1jhz7w10\">These accounts are free, do not include an overdraft facility, and provide essential banking for those unable to open a mainstream account.<\/p>\n<p class=\"ssrcss-1q0x1qg-Paragraph e1jhz7w10\">Now, the nine UK banks and building societies which operate basic bank accounts have agreed to demands from the Financial Conduct Authority (FCA) to make access more straightforward.<\/p>\n<p class=\"ssrcss-1q0x1qg-Paragraph e1jhz7w10\">Basic bank accounts have many of the same functions as a regular current account, but are designed for those who might otherwise be excluded from the banking system. More than four million people in the UK have these accounts.<\/p>\n<p class=\"ssrcss-1q0x1qg-Paragraph e1jhz7w10\">They are offered by Barclays, The Co-operative Bank, HSBC, Lloyds Banking Group (including the Halifax and Bank of Scotland brands), Nationwide Building Society, NatWest (including the RBS and Ulster Bank brands), Santander, TSB and Virgin Money.<\/p>\n<p class=\"ssrcss-1q0x1qg-Paragraph e1jhz7w10\">Features include:<\/p>\n<div class=\"ssrcss-2st5ed-ListContainer e5tfeyi0\">\n<ul role=\"list\">\n<li>\n<p class=\"ssrcss-1q0x1qg-Paragraph e1jhz7w10\">accepting payments such as wages and benefits, and allowing account-holders to make payments through debit cards, direct debits and standing orders<\/p>\n<\/li>\n<li>\n<p class=\"ssrcss-1q0x1qg-Paragraph e1jhz7w10\">free, but with no overdraft facility<\/p>\n<\/li>\n<li>\n<p class=\"ssrcss-1q0x1qg-Paragraph e1jhz7w10\">available to those who have a bad credit history, are bankrupt or have an official debt recovery plan<\/p>\n<\/li>\n<li>\n<p class=\"ssrcss-1q0x1qg-Paragraph e1jhz7w10\">some access for homeless people, by working with charities to confirm someone&#8217;s identity<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<p class=\"ssrcss-1q0x1qg-Paragraph e1jhz7w10\">But a mystery shopping exercise by the FCA rated a third of experiences with basic bank accounts as poor or very poor.<\/p>\n<p class=\"ssrcss-1q0x1qg-Paragraph e1jhz7w10\">The exercise covered 298 interactions across branches and by telephone, and rated 28% of cases as good or very good, 38% as fair, 20% as poor and 14% as very poor.<\/p>\n<p class=\"ssrcss-1q0x1qg-Paragraph e1jhz7w10\">Problems included failing to offer these accounts to people who needed them, particularly those with no fixed address. <\/p>\n<p class=\"ssrcss-1q0x1qg-Paragraph e1jhz7w10\">Some pushed customers in vulnerable circumstances towards online applications to open an account unsuitable for their needs.<\/p>\n<\/div>\n<p><!-- \u603b\u5bb9\u5668\uff1a\u6700\u5927\u5bbd908px Grid\u7d27\u51d1\u5e03\u5c40 -->\r\n<div style=\"display: grid; 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display:grid; place-items:center;\">\r\n\t\r\n<!-- JuicyAds v3.0 -->\r\n<script type=\"text\/javascript\" data-cfasync=\"false\" async src=\"https:\/\/poweredby.jads.co\/js\/jads.js\"><\/script>\r\n<ins id=\"1114303\" data-width=\"125\" data-height=\"125\"><\/ins>\r\n<script type=\"text\/javascript\" data-cfasync=\"false\" async>(adsbyjuicy = window.adsbyjuicy || []).push({'adzone':1114303});<\/script>\r\n<!--JuicyAds END-->\r\n\t<\/div>\r\n  <\/div>\r\n\r\n  <!-- \u53f3\u4fa7\u7ad6\u680f\uff1a160\u00d7600 \u6574\u5217\u9ad8\u5e7f\u544a -->\r\n  <div style=\"grid-row:3\/8; height:600px;  display:grid; place-items:center;\">\r\n    <!-- JuicyAds v3.0 -->\r\n<script type=\"text\/javascript\" data-cfasync=\"false\" async src=\"https:\/\/poweredby.jads.co\/js\/jads.js\"><\/script>\r\n<ins id=\"1114301\" data-width=\"160\" data-height=\"600\"><\/ins>\r\n<script type=\"text\/javascript\" data-cfasync=\"false\" async>(adsbyjuicy = window.adsbyjuicy || []).push({'adzone':1114301});<\/script>\r\n<!--JuicyAds END-->\r\n  <\/div>\r\n\r\n<\/div><br \/>\n<br \/><a href=\"https:\/\/www.bbc.co.uk\/news\/articles\/cgl33dyk7y9o?at_medium=RSS&#038;at_campaign=rss\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Some of the UK&#8217;s biggest banks have been failing their most vulnerable customers, according to&#8230;<\/p>\n","protected":false},"author":1,"featured_media":16523,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[637,8770,2551,7527,9565],"class_list":["post-16522","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business","tag-accused","tag-banks","tag-customers","tag-failing","tag-vulnerable"],"featured_image_urls":{"full":["https:\/\/8657085.xyz\/wp-content\/uploads\/2026\/07\/6a2491e0-7942-11f1-bfee-d367081f1131.jpg",1200,675,false],"thumbnail":["https:\/\/8657085.xyz\/wp-content\/uploads\/2026\/07\/6a2491e0-7942-11f1-bfee-d367081f1131-150x150.jpg",150,150,true],"medium":["https:\/\/8657085.xyz\/wp-content\/uploads\/2026\/07\/6a2491e0-7942-11f1-bfee-d367081f1131-300x169.jpg",300,169,true],"medium_large":["https:\/\/8657085.xyz\/wp-content\/uploads\/2026\/07\/6a2491e0-7942-11f1-bfee-d367081f1131-768x432.jpg",640,360,true],"large":["https:\/\/8657085.xyz\/wp-content\/uploads\/2026\/07\/6a2491e0-7942-11f1-bfee-d367081f1131-1024x576.jpg",640,360,true],"1536x1536":["https:\/\/8657085.xyz\/wp-content\/uploads\/2026\/07\/6a2491e0-7942-11f1-bfee-d367081f1131.jpg",1200,675,false],"2048x2048":["https:\/\/8657085.xyz\/wp-content\/uploads\/2026\/07\/6a2491e0-7942-11f1-bfee-d367081f1131.jpg",1200,675,false],"covernews-slider-full":["https:\/\/8657085.xyz\/wp-content\/uploads\/2026\/07\/6a2491e0-7942-11f1-bfee-d367081f1131-1115x675.jpg",1115,675,true],"covernews-slider-center":["https:\/\/8657085.xyz\/wp-content\/uploads\/2026\/07\/6a2491e0-7942-11f1-bfee-d367081f1131-800x500.jpg",800,500,true],"covernews-featured":["https:\/\/8657085.xyz\/wp-content\/uploads\/2026\/07\/6a2491e0-7942-11f1-bfee-d367081f1131-1024x576.jpg",1024,576,true],"covernews-medium":["https:\/\/8657085.xyz\/wp-content\/uploads\/2026\/07\/6a2491e0-7942-11f1-bfee-d367081f1131-540x340.jpg",540,340,true],"covernews-medium-square":["https:\/\/8657085.xyz\/wp-content\/uploads\/2026\/07\/6a2491e0-7942-11f1-bfee-d367081f1131-400x250.jpg",400,250,true]},"author_info":{"display_name":"admin","author_link":"https:\/\/8657085.xyz\/?author=1"},"category_info":"<a href=\"https:\/\/8657085.xyz\/?cat=2\" rel=\"category\">Business<\/a>","tag_info":"Business","comment_count":"0","_links":{"self":[{"href":"https:\/\/8657085.xyz\/index.php?rest_route=\/wp\/v2\/posts\/16522","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/8657085.xyz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/8657085.xyz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/8657085.xyz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/8657085.xyz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=16522"}],"version-history":[{"count":0,"href":"https:\/\/8657085.xyz\/index.php?rest_route=\/wp\/v2\/posts\/16522\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/8657085.xyz\/index.php?rest_route=\/wp\/v2\/media\/16523"}],"wp:attachment":[{"href":"https:\/\/8657085.xyz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=16522"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/8657085.xyz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=16522"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/8657085.xyz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=16522"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}