Problem wykluczenia finansowego na przykładzie umowy rachunku bankowego
The issue of financial exclusion on the example of a bank account agreement

Summary/Abstract: The financial exclusion is a social phenomenon, which has been defined in 20 century. It is defined as the inability to access basic financial services, such as bank accounts, payment accounts, or consumer credit, which is considered as a barrier to social and economic participation. The author focuses on banking exclusion, describing it as a situation where individuals lack access to bank accounts, which prevents from being a part of a well developed society. The aim of this study is to analyze the consequences of the financial exclusion, emphasising the groups of customers, who are possibly the most vulnerable to become excluded, providing with possible solutions, which should become a subject of a government's actions. The article examines the legal nature of bank accounts, emphasizing their central role in the financial system. Analysis references the Polish Civil Code and the Banking Law Act, highlighting the obligations of banks and the rights of account holders.

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