What happens when you can't open a bank account?

Most of us take having a bank account for granted, it's one of life's modern conveniences like a toothbrush or house keys. But not everyone can meet the criteria to open one.

Amid possible concerns that the banking industry isn't fully meeting its market obligations, Westpac has introduced a pilot scheme. Working with people who wouldn't otherwise qualify, it provides them with a basic bank account service.

Sacha Green is a National Advisor with the Citizens Advice Bureau, working on their Campaign for Inclusion in a Digital Age.