Goals for Financial Education
The financialization of daily life makes life difficult. Financial decisions about spending, saving, borrowing, insuring and investing money are becoming more and more complex.
This page presents approaches for financial education in Europe.
OECD
The OECD is a core actor and platform for the project of financial literacy education and promotes national strategies for financial education
https://www.oecd.org/financial/education/oecd-international-network-on-financial-education.htm
OECD Financial Competence Framework for Adults in the European Union:
https://www.oecd.org/daf/fin/financial-education/financial-competence-framework-for-adults-in-the-European-Union.pdf
Austria
On the Oenb’s financial education platform, a wide range of educational opportunities for different ages and target groups is available free of charge
https://eurologisch.at
The state-approved Austrian debt advisory services carry out financial education without the intention of selling
https://finanzbildungsportal.at/
Belgium
The OCE has been dealing with financial literacy for many years. Numerous publications are available.
https://observatoire-credit.be/fr/actions-prevention
Bulgaria
The mission of Temida is to change the relationship with money, to provide tools and knowledge necessary to gain autonomy and resilience in relation to unforeseen circumstances and excessive risk-taking.
https://temidafoundation.com
Croatia
Padobran participates in the implementation of the National Strategic Framework of Financial Literacy for the period 2021 to 2026
https://padobran.hr
Czech Republic
The Czech National Bank promotes financial literacy by free manuals for teachers and workbooks for primary and secondary school pupils, by co-organising lectures for senior citizens at universities of the third age
https://www.cnb.cz/en/supervision-financial-market/
Estonia
Financial Supervision Authority
https://www.fi.ee/en/estonian-financial-supervision-and-resolution-authority
Finland
Takuusäätiö is a national organisation of the social sector. We support people’s independent survival in day-to-day financial matters and debt management. Our services are free of charge.
https://takuusaatio.fi
France
Crésus acts to promote the fight against exclusion through education and financial training for all through the establishment and management of an innovative platform for mutual assistance and prevention of over- indebtedness, the organisation and delivery of the CRESUS prize and the creation and distribution of fun budget education tools
https://cresus.org
The Banque de France is the French organisation responsible for the financial education. Mesquestionsd’argent is the portal that informs citizens and help them managing their budget and finances on a daily basis. This website is a simple access to neutral and educational information.
https://www.mesquestionsdargent.fr/
Lesclésdelabanque is the portal of the french banking federation to provide citizens the information they may need to understand and make the best use of banking mechanisms.
https://www.lesclesdelabanque.com/particulier/
Germany
The Financial Literacy Prevention Network (PNFK) is committed to strengthening financial literacy in all social groups.
https://pnfk.de
37 teaching materials are available to teachers in the Material Compass Consumer Education of the Federation of German Consumer Organisations (vzbv). They offer teachers suggestions to strengthen the everyday and consumer skills of their students in the areas of nutrition, media, sustainability and finance – free from advertising influences.
https://www.verbraucherbildung.de/wirtschaft-und-finanzen-im-unterricht
Ireland
The Irish Money Advice and Budgeting Service offers a broad range of financial education and budgeting tools
https://mabs.ie
Malta
The ĠEMMA initiative by the Ministry for Social Justice and Solidarity, the Family and Children’s Rights, is another step to nudge persons to learn more about their financial capability goals in order to be able to make rational financial choices.
https://gemma.gov.mt/
Netherlands
The Money Wise Platform was launched by the Ministry of Finance to improve the financial fitness of Dutch citizens. In order to achieve this, partners from government, financial services industry, NGO’s and academia collaborate in the platform
https://www.wijzeringeldzaken.nl/
The National Institute for Family Finance Information (NIBUD) provides broad information about money affairs.
https://nibud.nl
Portugal
The portuguese consumer organization provifdes independent information on consumer and financial matters.
https://deco.pt/educacao-e-formacao/
Slovenia
Spain
FINANZAS PARA TODOS”: FINANCIAL EDUCATION PLAN OF THE BANK OF SPAIN AND THE NATIONAL SECURITIES MARKET COMMISSION (CNMV): Launched in 2008 by the CNMV and the Bank of Spain under the auspices of the OECD High-Level Principles. Its aim is to improve the financial literacy of Spaniards. It targets all segments of the population. It is the reference portal for financial education: www.finanzasparatodos.es
Sweden
The Swedish Consumers’ Banking and Finance Bureau and The Swedish Consumers’ Insurance Bureau provide consumers with independent information and advise regarding financial services.
https://www.konsumenternas.se/
Hallå konsument [Hello Consumer] is a nationwide information service that is coordinated by the Swedish Consumer Agency
https://www.hallakonsument.se
Co-Funded by the European Union. Views and opinions expressed are however those of the author(s) only and do not necessarily reflect those of the European Union or EISMEA. Neither the European Union nor the granting authority can be held responsible for them.
