Does the bank provide “basic bank accounts” and other services that can be used by people who are financially excluded?
A basic bank account is a current account that can be opened by anybody, regardless of income or employment status.
Your Ethical Money includes “financial exclusion” as one of the categories by which it assesses each bank. A bank should in theory not find it too hard to answer these questions when you ask them, as they concern the bank’s own services. You can also ask them if they provide services to credit unions.
In 2013, the UK government accepted a recommendation from the Parliamentary Commission on Banking Standards, who called on retail banks to reach a voluntary agreement within a year to ensure universal access to basic bank accounts. The Commission want the government to legislate if the agreement has not been reached in time.