O que é

O Plano Nacional de Formação Financeira é um projeto iniciado em 2011 pelo Conselho Nacional de Supervisores Financeiros para melhorar os conhecimentos financeiros da população portuguesa e promover atitudes e comportamentos financeiros adequados.

O Banco de Portugal, a Autoridade de Supervisão de Seguros e Fundos de Pensões e a Comissão do Mercado de Valores Mobiliários coordenam o 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.

Os projetos são divulgados no portal Todos Contam — https://www.todoscontam.pt — e apoiados pela plataforma de e-learning Todos Contam — https://elearning.todoscontam.pt. Também pode acompanhar as iniciativas nas páginas de Facebook Todos Contam e de Instagram Todos Contam.

Strategic Guidelines 2026–2030

By 2030, the Plan will focus on two target audiences:

children and young people, through schools, as a framework for training future generations;
the adult population, aiming to support financial decisions at different stages of life.

The strategy is built on two main axes:

Axis 1 — Development of basic financial literacy skills — Its aim is to consolidate financial literacy as a cross-cutting competence and therefore improve the results of the financial literacy surveys of the adult population and young people. The following initiatives stand out:
- strengthening financial education initiatives in schools, in collaboration with the Ministry of Education, Science and Innovation, including the dissemination of modules aligned with “Aprendizagens Essenciais” (Key Learning) under the Estratégia Nacional de Educação para a Cidadania (Portuguese Strategy for Citizenship Education), teacher training and the development of a new brand and content for a digital platform dedicated to financial education in schools;
- reorganising the Todos Contam content and developing a new digital platform with training content, simulators and interactive tools, including an AI-based virtual assistant to support consumers.
Axis 2 — Improving operational efficiency — Its aim is to ensure greater outreach, quality and impact of initiatives by optimising existing resource management, certifying financial education initiatives and tailoring communications to the needs of the different target audiences.

Financial literacy

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O que é

Strategic Guidelines 2026–2030