What it is

The National Plan for Financial Education is a project that was created in 2011 by the financial supervisors to improve the financial knowledge of the Portuguese population and promote the adoption of appropriate financial attitudes and behaviours.

Banco de Portugal, the Portuguese Securities Market Commission (CMVM) and the Insurance and Pension Funds Supervision Authority (ASF) are responsible for the National Plan for Financial Education, which has a broad network of partners including ministries, financial sector associations, consumer associations, business associations, trade unions and universities.

The National Plan for Financial Education adopted the Todos Contam brand, which reflects a comprehensive overview of the projects of all partners and highlights the importance of financial literacy reaching the entire population.

General population

In the context of the National Plan for Financial Education, financial supervisors have promoted awareness-raising and financial literacy actions directed at the general population.
Key initiatives:

 

Strategic partners

Under the National Plan for Financial Education, financial supervisors have entered into protocols with strategic partners to bring financial literacy to the respective publics.

Schools

Partner: Ministry of Education
Start: 2011
Key initiatives:

  • Core competencies for financial education
  • Teachers’ training program
  • Financial literacy workbooks
  • Todos Contam competition

Managers of micro, small and medium-sized enterprises

Partners: Ministry of Economy (IAPMEI – Public Agency for Competitiveness and Innovation - and Turismo de Portugal - the Portuguese central public authority for tourism)
Start: 2015
Key initiatives:

  • Core competencies for financial training
  • Trainers’ training program
  • Financial literacy actions for entrepreneurs and business managers

Social entrepreneurs

Partner: Cooperativa António Sérgio para a Economia Social (a Public Interest Cooperative for Social Economy)
Start: 2015
Key initiatives:

  • Financial literacy of social economy entrepreneurs
  • Financial literacy of the winners of the ‘António Sérgio’ Prize

Professional football players

Partner: Professional Football Players Union
Start: 2017
Key initiatives:

  • Trainers’ training program
  • Survey on the financial literacy of football players
  • Financial information and literacy materials
  • Financial awareness-raising actions

Local authorities

Partner: Comissão de Coordenação e Desenvolvimento Regional do Norte (Northern Regional Coordination and Development Committee)
Start: 2017
Key initiatives:

  • Trainers’ training program
  • Financial information and literacy materials
  • Financial awareness-raising actions for local authorities