Financial Inclusion

People experiencing financial distress, particularly those on low incomes, are often reluctant to talk about their problems or seek help. And the complexity of different financial products and the benefits system often makes the idea of finding a solution seem impossible.

Transformation Cornwall are working with partners across the county to highlight Cornish and national financial inclusion work. Below are some of the organisations, services, resources and reading. Please contact us at if you would like to add to the below:

  • Cornwall Council / Kernow Credit Union: Credit unions are for everybody – both savers and borrowers. You don’t have to be employed or have a bank account to join. Members make regular savings, which can be as much or as little as you want. Cornwall Council works with Kernow Credit Union, which operates across the whole of Cornwall.
  • Christians Against Poverty (CAP): CAP aim to release people from poverty through debt counselling and community groups. CAP offers courses and resources for churches looking to engage with issues of financial poverty.
  • Turn 2 Us: Turn2us is a national charity helping people when times get tough. Their website provides a comprehensive benefits checker, grant database and list information and help around finance.
  • Just Finance Foundation: The Just Finance Foundation has a vision of a fair financial system and addresses the issues of financial exclusion, distress caused by unmanageable money worries and debt, and the lack of practical knowledge around budgeting, saving and spending. They offer three training courses for churches and individuals looking to address these issues.


Universal Credit TN Briefing Web

Church Urban Fund. 'Universal Credit – Everything you need to know':

  • The Research and Policy Team at the Church Urban Fund has produced a new easily understandable guide called: ‘Universal Credit: Everything You Need to Know’. The guide quickly explains what the new benefits system is, who it’s for, and how to support someone applying for it.