The guide - Payments & accessibility ¬- offers top tips on payment options for people with a disability, explaining the range of services available.

Under The Banking Code, banks and building societies are obliged to provide customers with alternatives if they are unable to use standard services. For example, cardholders that are unable to use a PIN - because they are unable to remember a PIN number or because they cannot use a chip and PIN terminal - may request a chip and signature credit or debit card.

Sandra Quinn, director of communications, said: "New and innovative services like chip and PIN and online banking have made life easier for most of us. However, these products and services can be daunting for some and impossible for others. Through The Banking Code, the payments industry offers protection and guarantees to ensure all consumers can easily access the payment services they need."

David Sinclair, head of policy at Help the Aged, added: "Elderly consumers can feel overwhelmed by some payment options and therefore miss out. Alternatives like chip and signature cards are extremely important in making sure that older people can access the full range of services provided by the payments industry. This guide will remind older or disabled people about their rights and how to get the best from their payments."

The Payments & accessibility guide covers a range of payment methods, including cheques, telephone and internet banking and plastic cards, together with advice on staying safe from fraud. It is free to download from the APACS website at apacs.org.uk and has been shared with groups representing those with disabilities.