The number of financially excluded Australians fell in 2013, although there were still more than three million adults who had little or no access to daily banking, credit and insurance services.According to the latest Measuring Financial Exclusion in Australia report, which was commissioned by National Australia Bank and prepared by the Centre for Social Impact, the proportion of people who were fully excluded from financial services fell from 1.1 per cent in 2012 to one per cent last year.The proportion of people who were severely excluded fell from 16.6 per cent in 2012 to 15.9 per cent last year. A severely excluded person has access to only one of three essential services - a transaction account, a credit card or a general insurance product.The report said: "With these products in place, a consumer can manage basic payments, handle small emergencies, smooth income and protect key assets from basis risks."While the exclusion numbers were down in 2013, the report pointed out that there has been a rising trend over the longer term. In 2008, 0.9 per cent of adults were fully excluded and 13.8 per cent were severely excluded.The Centre for Social Impact calculated that average cost for basic financial services in 2013 was $1801, which was made up of $82 for a transaction account, $717 for a low-cost credit card and $1002 for basic motor vehicle and home cover.CSI said income was one of the key factors in determining access to financial services. For 8.1 per cent of the adult population the average cost would represent more than 15 per cent of annual income.It said that a large number of young adults were excluded and, surprisingly, a large number of people in employment.The report said: "There is a large unmet need for access to affordable and appropriate products."