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Egypt, Ghana, India, Indonesia, Kenya, Mozambique, Peru, Tanzania, Uganda, Vietnam, and Zambia: Banking on Change (Phase I & Phase II)

The Banking on Change (BoC) partnership between Barclays, CARE International, and Plan International addressed the global challenge of financial exclusion. It was the first partnership between a global bank and nongovernmental organizations (NGOs) to link informal Savings Groups to formal banking services. Phase 1 was implemented in 11 countries: Egypt, Ghana, India, Indonesia, Kenya, Mozambique, Peru, Tanzania, Uganda, Vietnam, and Zambia. This initiative aimed to break down some of the barriers that prevent poor people from accessing formal financial services and, in doing so, proved that no one is too poor to save. The Banking on Change partnership reached 513,000 people in the three years of Phase I and has created hundreds of youth-only Savings Groups. On average, each member has saved $58 per year. Additional achievements include 494 new group savings accounts established with Barclays branches in Kenya, Uganda, Ghana, and Tanzania. The global Phase 1 demonstrated successes in improving the socioeconomic situation of group members, including slight increases in educational expenses (from 63.9 percent to 67.5 percent of respondents spending on education) and decreases in beneficiaries failing to access health care (from 17.5 percent to 14.5 percent unable to access due to lack of funds).

Barclays Bank PLC
Grant Amount (Phase I)
Project Start Date (Phase I)
Project End Date (Phase I)
Grant Amount (Phase II)
Project Start Date (Phase II)
Project End Date (Phase II)
Technical Areas Covered
Youth Savings Groups (YSGs), Linkage, and Add-on Trainings (YSGs as a platform for additional services)

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