O que é

O Plano Nacional de Formação Financeira é um projeto iniciado em 2011 pelos supervisores financeiros para melhorar os conhecimentos financeiros da população portuguesa e promover a adoção de atitudes e de comportamentos financeiros adequados.

O Banco de Portugal, a Comissão do Mercado de Valores Mobiliários e a Autoridade de Supervisão de Seguros e Fundos de Pensões são responsáveis pelo Plano Nacional de Formação Financeira, que conta com uma rede alargada de parceiros, incluindo ministérios, associações do setor financeiro, associações de consumidores, associações empresariais, sindicatos e universidades.

O Plano Nacional de Formação Financeira adotou a marca Todos Contam, que reflete a visão agregadora dos projetos de todos os parceiros e destaca a importância de a formação financeira chegar a toda a população.

Strategic dimensions of action

The pandemic amplified the vulnerability-inducing conditions for households and businesses, making it even more pressing to promote financial resilience. We also saw an acceleration of digital transformation, with very significant impacts on the growth of digital financial services. At the same time, concerns about the transition to a more sustainable economy have increased.

In this context, and under the motto "Strengthen partnerships, investing in digital", the Plan chose the following strategic dimensions of action for 2021-2025:

strengthening financial resilience;
promoting digital financial education;
contributing to sustainability.

Priority lines of action

To accomplish the priorities established for 2021-2025, the Plan presents a set of lines of action to be implemented over this timeline. These lines entail the establishment of new partnerships and the strengthening of work carried out under existing partnerships.

Financial education in schools

Key initiatives:

Review of the Core Competences for Financial Education
Teacher training programme
Financial education workbooks
Todos Contam competition

Financial education in the workplace

Key initiatives:

Financial training programme for the staff of the General Secretariat of the Ministry of Labour, Solidarity and Social Security

Financial education through local authorities

Key initiatives:

Trainers’ training programme
Financial information and literacy materials
Financial awareness-raising initiatives for local authorities

Financial education for the employed or unemployed

Key initiatives:

Review of the Core Competences for Financial Education
Trainers’ training programme
Vocational training courses for adults and youth

Financial training of micro, small and medium-sized enterprises

Key initiatives:

Review of the Core competencies for financial training
Trainers’ training programme
Financial training sessions for entrepreneurs and business managers

Financial education for institutions that support citizens

Key initiatives:

Financial training for employees of institutions that support citizens
Awareness and training initiatives for vulnerable groups

Awareness-raising campaigns targeting young people

Key initiatives:

Financial education campaigns through digital channels and in particular, social networks
Awareness campaigns about the safe use of digital channels, the features and risks of new digital financial products and services and of the issues of sustainability and the transition to a more circular economy

Traditional media campaigns

Key initiatives:

Financial education campaigns through national and local TV and radio, targeting less digitally literate populations, including senior citizens and other vulnerable groups
Information and awareness-raising campaigns on issues related to financial resilience and the safe use of digital financial services

Financial literacy

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O que é

Strategic dimensions of action

Priority lines of action

Financial education in schools

Financial education in the workplace

Financial education through local authorities

Financial education for the employed or unemployed

Financial training of micro, small and medium-sized enterprises

Financial education for institutions that support citizens

Awareness-raising campaigns targeting young people

Traditional media campaigns