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Financial Inclusion

Background and Context

The IBCB conducts customer listening sessions with the purpose of hearing directly from bank
customers whose voices are not always heard in research or focus groups. In Q1 2023 the IBCB held customer listening sessions with people with Intellectual Disabilities (ID). In collaboration with Inclusion Ireland, who advocate for people with ID, we held 4 listening sessions in Tullamore, Dublin, Cork, and Sligo. The sessions were facilitated by Inclusion Ireland staff, with the IBCB in attendance and we heard from 45 people with ID about their banking needs. The sessions were both insightful and interesting and follow on activities are being progressed.

Our member banks have supports available, see below.

Vulnerable customer contacts

Basic Bank Account Guide

In 2022 the IBCB launched a Guide to the Basic Bank Account providing essential guidance for customers, and particularly customers in a vulnerable position, to apply for a bank account to support inclusion and accessibility to banking in Ireland. The guide was developed and launched with our member banks.

The IBCB undertook qualitative research in 2020 to better understand the needs and wants of people in accessing and utilising banking services. In doing so, it sought the views of organisations that support marginalised and vulnerable groups who experience difficulties accessing banking products. The research identified a clear need to raise awareness of the basic bank account as a first step towards financial inclusion across society.

A basic bank account is a current account that provides essential daily banking services, which all residents of the EU have the right to, no matter what their financial situation. The basic bank account financially empowers customers in a vulnerable position, supporting peoples’ financial freedom and providing dignity and access to a better life for many.

Our research also indicated that language barriers create further challenges for customers to access financial services. As a result, we translated the guide into Arabic, French, Lithuanian, Polish, Pashto, Urdu, Portuguese, and Mandarin. We selected these languages on the basis of an identified need to help access financial products and services. We subsequently translated the guide into Ukrainian, following the outbreak of the conflict in Ukraine and have provided copies of the guide to organisations supporting customers, including MABS, National Advocacy Service, Safe Ireland and the Department of Justice.

Click Here for more information. The guides can be found here.


Basic Bank Account Guide

customer listening sessions with people with Intellectual Disabilities

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