Financial Education Plan
The Financial Education Plan
is an initiative of the National Securities Market Commission (CNMV), the Banco de España and the Ministry of the Economic Affairs, Trade and Enterprise. It aims to improve citizens’ financial literacy, by providing them with the basic knowledge and the tools they need to manage their finances in a responsible and informed manner.
School programme
With a view to providing financial education at an early age, the CNMV and the Banco de España signed an agreement with the Ministry of Education and Vocational Training that includes a School Financial Education Programme, aimed at introducing basic financial content into the classroom, which has been running since 2010.
Bank Customer Portal
The Portal is aimed at bank customers, i.e. almost all the adult population, but also at young people who, at increasingly younger ages, have accounts and cards, pay by phone and shop online.
The Bank Customer Portal provides information and tools to enable everyone to interact confidently with financial institutions, to assess and compare the different banking products and services on offer and to know their rights and obligations.
Through clear and direct language and a user-friendly interface, it helps bank customers make the right decisions for their needs.
Training sessions
Below are a series of resources (only available in Spanish) aimed at providing basic financial education to the public.
- Session 1.Tips to prevent fraud in banking transactions
(2 MB) - Session 1. Guide to “Tips to prevent fraud in banking transactions” (348 KB)
- Session 2. Access to basic banking services: basic payment account (2 MB)
- Session 2. Guide to “Access to basic banking services: basic payment account” (407 KB)
- Session 2. Brochure about the basic payment account (467 KB)
- Session 3. Tips to prevent fraud in investment transactions (2 MB)
- Session 3. Guide to “Tips to prevent fraud in investment transactions” (478 KB)
- Session 4. Personal finance management (2 MB)
- Session 4. Guide to “Personal finance management” (501 KB)
- Session 5. Accounts, cards and payment methods (1 MB)
- Session 5. Guide to “Accounts, cards and payment methods" (455 KB)
- Session 6. What do I need to know if I am financing a purchase? (1 MB)
- Session 6. Guide to what I need to know if I am going to finance a purchase (400 KB)
- Session 7. Code of Good Practice (632 KB)
- Session 7. Guide to “Code of Good Practice” (137 KB)
- Session 8. What I need to know when I apply for a mortgage (688 KB)
- Session 8. Guide to what I need to know when I apply for a mortgage. (372 KB)
- Session 9. Euro banknotes and coins (2 MB)
- Session 9. Guide to euro banknotes and coins (792 KB)