Banks are being criticised for ignoring the poor and leaving them at the mercy of loan sharks.
The New Economics Foundation (Nef) said big banks were cherry picking customers for premium accounts, while failing to cater for those on low incomes.
The group said about 11% of adults in the UK do not have access to a bank account, rising to 35% in poorer areas.
It is calling on the government to force banks to make basic accounts available to everyone who wants one.
(BBC)
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