At Fair4All Finance, we work to improve financial inclusion across the UK so that everyone has access to fair, affordable and appropriate financial products and services, whenever they need them.
Millions of people in the UK are in vulnerable financial circumstances and are poorly served or excluded by mainstream financial services. Too many people are unable to access affordable credit, build savings, secure appropriate insurance, or receive the support they need to improve their financial wellbeing. We exist to help change that.
Established in 2019, Fair4All Finance is a not-for-profit organisation funded through the Dormant Assets Scheme, which enables money from forgotten financial products to be used for social and economic good. We were created to help tackle financial exclusion at a national level by improving the availability, affordability and accessibility of financial products and services for people in vulnerable circumstances.
We work across the financial inclusion ecosystem, partnering with government, regulators, financial services providers, community finance organisations, fintechs, charities, social enterprises and consumer groups to create lasting change.
Our work combines investment, innovation, research, influence and system change. We support and scale organisations that are delivering fair financial products, while also helping to shape the wider market so that it works better for people who are underserved by mainstream finance.
This includes:
- Supporting the growth of affordable credit providers and community finance organisations
- Developing and testing new financial products and propositions
- Investing in organisations and initiatives that improve financial wellbeing
- Generating research and insight to better understand consumer needs and barriers
- Working with industry, government and regulators to influence policy and market practice
- Helping improve access to fair and affordable financial services at scale
Since our launch, we have committed significant funding across financial inclusion initiatives, social investment and market development activity designed to improve outcomes for consumers across the UK.
We believe financial inclusion is about more than access to money. It is about dignity, resilience, opportunity and fairness. When people can access the right financial support at the right time, it can improve health, housing stability, employment outcomes and overall wellbeing.
As an organisation, we aim to be collaborative, evidence-led and ambitious in our approach. We recognise that no single organisation can solve financial exclusion alone, which is why partnership and collective action are central to how we work.
Our values shape both our culture and our decision-making:
- Fair – We work to create fairer financial outcomes for people in vulnerable circumstances
- Inclusive – We value diverse perspectives and seek to include those with lived experience
- Bold – We are prepared to challenge the status quo and support innovative solutions
- Compassionate – We keep people and their experiences at the centre of our work
- Collaborative – We believe lasting change comes through partnership and shared ambition
Our ambition is a financial system that works for everyone — where access to fair financial products and services is not determined by circumstance, background or income, but is available to all who need it.