MOST of us think about switching off lights or eating less meat when we want to help the planet - but have you ever thought about your bank account?

Big banks and insurance companies invest billions in fossil fuels, deforestation and industries that damage the environment. In fact, some of the world’s biggest banks have pumped over $5.5-trillion into oil, gas and coal projects since the Paris Climate Agreement in 2015.

That means the money sitting in your savings account or pension might be funding pollution - even if you’re doing everything right in your daily life.

But you can change that. Ethical banks and investment providers do things differently. They avoid fossil fuels, arms manufacturing and harmful industries, and instead support clean energy, community housing, sustainable farming and green innovation.

Switching is easier than you might think. Many ethical banks let you open an account online in minutes. There are also ethical ISAs, savings accounts and pensions you can move your money into - without needing to be a finance expert.

You can also ask your current pension provider or employer where your money is invested. Many people are surprised to find out their “nest egg” is tied up in oil rigs or mining companies. But now, more pension schemes offer ethical or sustainable options, and you have the right to ask for them.

Research shows that moving your money to a greener bank or pension can be 27 times more effective at cutting your carbon footprint than giving up flying or going vegan.

So next time you think about how to make a difference, think beyond your shopping bags and energy bill. A simple switch to an ethical financial provider could be one of the most powerful climate actions you ever take.

After all, your money has a voice. Make sure it’s saying the right thing.