By the same authors

From the same journal

From the same journal

Living on a low income and using banks to pay bills

Research output: Contribution to journalArticlepeer-review



Publication details

JournalThe Journal of Poverty and Social Justice
DatePublished - 1 Feb 2010
Issue number1
Number of pages15
Pages (from-to)53-67
Original languageEnglish


This article discusses the use of automated banking facilities among people on low incomes. In doing so, it questions assumptions inherent in recent UK government policy that making full use of banking facilities to pay bills is a universally desirable norm. The article presents qualitative research evidence to explore how and why people on low incomes do and do not use banks, and automated payments in particular. Supporting the findings of previous research, the article describes how low financial resources can be a barrier to using automatic transfers, but also notes how personal choice, familiarity and routine can also influence preferences. Therefore, it is argued that a range of policy responses may be necessary to facilitate higher transactional use of bank accounts.

Bibliographical note

This is a post-peer-review, pre-copy edited version of an article published in The Journal of Poverty and Social Justice. The definitive publisher-authenticated version: Nice, K. and Irvine, A. (2010) Living on a low income and using banks to pay bills, The Journal of Poverty and Social Justice, 18, 1, 53-67. is available online at:

    Research areas

  • banking, low income households, personal finances, automatic transfers

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