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Without an address, the homeless find themselves in a lose-lose situation where not having a home makes it harder to open a bank account. This makes it harder to secure a legitimate job or claim benefits, which makes it harder to find a home. It’s a vicious circle. To break this cycle of financial exclusion, HSBC UK partnered with Shelter to create the No Fixed Address Service. The bank provides the homeless with bank accounts using the charity’s address as proof of identification.