What it is

The National Plan for Financial Education is a project created in 2011 by the National Council of Financial Supervisors to improve the financial knowledge of the Portuguese population and promote appropriate financial behaviour and attitudes.

The Banco de Portugal, the Insurance and Pension Funds Supervisory Authority (Autoridade de Supervisão de Seguros e Fundos de Pensões — ASF) and the Portuguese Securities Market Commission (Comissão do Mercado de Valores Mobiliários — CMVM) coordinate the National Plan for Financial Education, which relies on a broad network of partners, including ministries, financial sector associations, consumer associations, business associations, trade unions and academia.

The National Plan for Financial Education adopted the “Todos Contam” brand, which reflects the shared vision of all partners’ projects and highlights the importance of financial education reaching the whole population.

Projects are showcased on the Todos Contam website — https://www.todoscontam.pt — and supported by the Todos Contam e-learning platform — https://elearning.todoscontam.pt. You can also follow the initiatives on Facebook Todos Contam and 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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What it is

Strategic Guidelines 2026–2030