Financial education map

• A - Z of Finance is part of the website of the Austrian Financial Market Authority, managed by the Consumer Information department. The aim of the initiative is to provide answers to those questions that are the most frequent content of the inquiries and complaints received. You can find the topics: Accounts, Loans, Insurance, Spotting financial fraudsters, Investments and Old-age provision. The topics are continuously updated and expanded. The tool is characterized by clear language, simple sentence construction and focus on the concrete needs of the target group. The motto of the initiative is: We enable self-responsibility.

• The FSMA (Financial Services and Market Authority) launched its financial education programme Wikifin in 2013. The website Wikifin.be designed for the general public aims at providing consumers with neutral, reliable and accessible financial information. Various topics are proposed: budget, means of payment, borrowing, insurance, family, save and invest, pension (& pension preparation), tax, work and income, housing and mortgage. 
  
  It also features interactive tools to help consumers manage their personal finance, such as the savings account simulator, the cost comparison tool for current accounts, the inheritance simulator, educational videos …
  
   
• Wikifin integrates a dedicated portal for teachers: Wikifin School. Various teaching aids are proposed to help teachers introducing financial education in the classrooms: educational games, budget calculator, Demo Bank, ... 
  
   
• In September 2020, the FSMA launched an interactive experience centre for financial education, designed for secondary-school students: the Wikifin Lab. With this physical pillar of the program, students are given a chance, free of charge, to experience different financial situations drawn from daily life. They are challenged to sharpen their critical sense and to make choices about finances and consumption that have both an individual and a societal impact. The insights they gain in the process will help them to better understand money matters and later to make well-informed financial choices. Assuralia, the Belgian insurance association, launched its consumer information website, ABCAssurance/ABCVerzekering, in 2013. The website provides consumers with information on prevention, insurance contracts and claims handling. It includes checklists that guide consumers step-by-step through particular situations, such as building a house, starting a business or coping with a flood. Further information is provided in brochures, videos and FAQs.

• "ТВОИТЕ ФИНАНСИ" (EN translation: Your finances) is a financial education website of the Financial Supervision Commission /FSC/. In addition to the institutional website of FSC - www.fsc.bg, "ТВОИТЕ ФИНАНСИ" is the second website of the Bulgarian regulator which aims to inform, educate and protect the consumers. The purpose of the page is to provide information on the main financial products in the field of the non-banking financial sector, as well as on the role of FSC in the regulation of this sector. The page contains well-structured and visually attractive information about the insurance, social insurance and investment market in Bulgaria, it is easily accessible and useful for the consumers and it is comprehensible even for people without financial education.

• The website of the Croatian Financial Services Supervisory Agency contains many areas dedicated to the financial literacy. The special headings are dedicated to the educational documents, downloadable brochures, FAQs, various presentations, regulatory framework, warnings, videos, information on current activities and other material presented in a consumer-friendly manner and simple language.
  
  The website also includes many publications containing information (quantitative data, risk assessment, market analysis) enabling consumers to become generally more informed and familiar with the market, products features and risks.
  
   
• Furthermore, Hanfa launched an additional website aimed primarily at consumers: "Novac za sutra". In order to contribute to the awareness of the importance of financial literacy, "Novac za sutra" (Money for tomorrow) with its complimentary social media is less formal than the official Hanfa's website. It includes information on financial literacy in general (not related only to the Hanfa's scope of competence), contributions by experts (non-staff), financial dictionary as well as various news related to the financial markets. The material on this webpage is generally written in a clear and simple language.

• The websites contain information, definitions and financial dictionary, guides/educational brochures and publications for the following areas: (1) investment services and securities market- (Cyprus Securities and Exchange Commission), (2) banking sector- (Association of Cyprus Banks) and (3) insurance sector- (Insurance Institute of Cyprus and Insurance Association of Cyprus websites)

• The Czech National Bank has created a website devoted to its financial and economic education activities. The site offers a wealth of content designed mainly for higher-grade primary school and secondary school pupils and for the general public. For teachers it provides simple teaching aids in the form of presentations and other educational materials prepared by the CNB. It also contains suggestions for visits to CNB exhibitions and a set of consumer protection recommendations.
  
   
• The website aims, among other things, to describe the role of the CNB, to explain how to create a family budget and to offer an insight into the workings of the central bank. More materials are gradually being added to the site.
  
   
• The CNB also uses a range of communication tools (such as čnBlog, VlogČNB and ČNBpodcast) to promote financial and economic literacy via its website and social networks. On social networks (especially Facebook and Instagram), it tries to explain the world of finance and banking and the work of the central bank using real-life examples. The CNB also organises student competitions and supports selected projects.

• Rådtilpenge.dk is a financial education portal managed by The Danish Financial Supervisory Authority. The website provides tools and information to consumers, so they can learn to manage their personal finance, budget, insurance, pension, loans, etc. You can find simple guides and videos to hack your personal finance, blogs, teaching material on budget, loan and saving and information about our social media campaigns on Facebook and Instagram.
  
   
• Insurance & Pension Denmark developed the Forsikringsguiden (Insurance Guide) website in 2016 in cooperation with consumer organisation Tænk. It helps consumers to choose the right insurance policy by providing them with a quick and easy comparison of insurance conditions and prices for the most common types of insurance. The website also aims to create transparency in the insurance market. 23 companies participate in the Forsikringsguiden, representing more than 90% of the Danish market. Once the consumer has completed the comparison, the site can guide the consumer directly to their preferred insurance company.
  
   
• Insurance & Pension Denmark operates an information service on its website called "Forsikringsoplysningen" (Ask about insurance). This service has been providing free and independent information about the most common life and non-life insurance products to the general public since the 1970s. The website has, for example, a section for young people with Q&As about their specific insurance needs in different situations, such as starting to live on their own, travelling and studying abroad. It also includes a guide to making complaints. In addition to the information on the website, consumers can also ask advisors questions by phone or e-mail. The consumer phone line receives 6 000 general questions a year.
  
   
• Insurance and Pension Denmark operates the "Fakta om pension" (Facts about pensions) website, which helps consumers to select the product type and provider most suited to them. It allows consumers to learn about different pension providers and the services they offer, as well as to compare elements of the most common products. The elements that users can compare include returns and costs, insurance cover, investment options and the level of service and advice for all pension companies. A new version was launched in 2015 with improved usability and new information on net returns and fees.
  
   
• Insurance and Pension Denmark has been running the secretariat of "PensionsInfo" since it was launched in 1999. This is a comprehensive online tracking tool allowing each Dane to access an overview of the pension and associated insurance entitlements from all their pension providers. "PensionsInfo" provides consumers with an overview of their personal situation at retirement or in the case of early retirement (lost ability to work), critical illness or death. Through this service, pension providers can also flag dormant pension rights to individuals and prompt them to check whether it would be profitable to transfer the funds to a new scheme. "PensionsInfo" covers all three pension pillars.

• Finantsinspektsioon's (Estonian Financial Supervision and Resolution Authority) consumer website Minuraha provides objective information on how to organize your financial matters. Website provides information about banking, insurance, investment, pensions and financial planning. Website provides also useful tools, like financial dictionary, financial literacy teaching materials for schools and news.

• In this section of the website of the Finnish Financial Supervisory Authority, the Financial Supervisory Authority (FIN-FSA) has collected together information one might need as a customer. There one will find information on various products and services offered in the financial markets as well as on one's rights and obligations as a customer. Topics: Deposit, Investments and Insurance, the Role of Financial Supervisory Authority in consumer protection and Questions and answers.
  
   
• The website of the Financial Ombudsman Bureau (Fine) provides consumers with independent information, comparisons and advice regarding financial services. All information and advice is free of charge.

• ABEIS is a website implemented by the French Central Bank (Banque de France), the French Banking and Insurance Authority (ACPR) and the French Financial Market Authority (AMF). Through news, articles, Q&A and videos, this website aims to:
  • provide practical information on banking, insurance and financial products and services;
  • inform customers before entering into financial transaction or when they wish to complain against a professional;
  • warn the public about scams and unauthorised practices, players or websites.
    
     
• http://www.inc-conso.fr is the website of the French National Consumer Institute, whose purpose is to provide the public with key information about their consumer choices and legal impacts thereof and to promote responsible consumption. The institute gathers a comparative test centre, legal and economic research and data departments. It also publishes the magazine "60 Millions de consommateurs and videos "ConsoMag.
  
   
• The Banque de France implements an information portal on money and financial products issues.

• The Federal Financial Supervisory Authority (BaFin) which brings together under one roof the supervision of banks and financial services providers, insurance undertakings and securities trading has a dedicated comprehensible consumer portal on its website. The specific area for consumers puts together a range of information specifically relevant for consumers. The information provided covers information regarding and supervisory activities relevant for consumers as well as information for financial education for example regarding products, investment advice. The area also holds a list of Q&As and links to more in-depth information for example through expert articles. Almost all information is available in German and English.
  
   
• Voice of EU is the website from The Federation of German Consumer Organisations - vzbv – that is a non-governmental organisation acting as an umbrella for 42 German consumer associations. The vzbv represent the interests of consumers in public and vis-à-vis legislators, the private sector and civil society. The website holds background information regarding the mandate of the vzb in English. More comprehensive information for consumers regarding financial education is available in German only: https://www.vzbv.de/themen/finanzen.
  
   
• "Die Versicherer" is a digital consumer website by the German Insurance Association (GDV). The consumer communication relies on surprising and self-critical content to reduce consumer reservations. The website is aimed at insurance customers and their specific questions: Should I cancel my insurance? Which insurance premiums can I deduct from my taxes?
  
   
• "Mein Kohleeinstieg" is a website with information on financial education, savings and basic investment.
  
   
• Foundation for Youth Education offers free learning resources from basic financial education to more technical financial and economic issues.
  
   
• Verbraucherbildung – Education of Customers enables children and interests to lead a self-determined and responsible life. Schools and teachers play a real role in mediation.
  
   
• BMJV-Verbraucherportal (Federal Consumers Portal) provides a general overview of consumer education and information institutions and includes a special section on finance.
  
   
• 7 Jahre Länger: People generally live seven years longer than they tend to believe. Based on this premise, the GDV launched the campaign “7 Jahre länger” (7 years longer) to raise people’s awareness of their true life expectancy and the demographic challenges connected to it. The main tool of the campaign is its website, which is complemented by a Facebook page. The website includes a life expectancy calculator and a calculator to work out the cost of living for chosen items and services until the end of one’s life. For public appearances, such as conferences, a large, wooden “wheel of life”, as well as smaller paper versions, have been developed. These allow citizens to estimate their life expectancy based on their year of birth.
  
   
• Information campaigns of the federal states on natural hazards: These state-specific information campaigns by state governments serve to educate the public. Many homeowners and tenants underestimate the risk of increasing weather extremes. In spring 2009, the first campaign was launched in Bavaria for private households, which was later expanded to include commercial risks. Central elements are a dedicated website, a flyer and, in most cases, a joint press conference. In addition to GDV, other multipliers such as the Association of Towns and Municipalities and consumer protection were also involved.
  
   
• Smoke alarms save lives campaign: The portal for consumers on the subject of smoke alarms and behaviour in the event of a fire. The Smoke Alarms Save Lives initiative was founded in 2000 by the Forum for Fire-Smoke-Prevention to significantly reduce the number of fire victims in Germany.
  
   
• K-Einbruch campaign: Together with cooperation partners from the insurance industry, industry associations and installer companies, the police launched the nationwide K-Einbruch publicity campaign in fall 2012. The aim is to raise awareness among the general public of the need to take personal responsibility for burglary prevention, with the ultimate aim of reducing burglary crime. An important part of the campaign is the "Burglary Prevention Day". Under the motto "One hour more for more security", this takes place annually on the day of the time change, when Central European Summer Time ends.
  
   
• Cyber Security Check: Digitalisation is making Germany's companies faster and more flexible. However, this dynamism is also causing cybercrime to flourish. While large corporations protect themselves at great expense, smaller companies often act too carelessly. The “CyberSicher” (CyberSecure) initiative raises awareness of the dangers from cyberspace and shows how small and medium-sized enterprises can protect themselves. GDV's Cyber Security Check asks the most important questions about IT security in companies and gives advice for improvement. This enables companies to quickly check the security of their systems, identify weak points and remedy them.
  
   
• "Stadt.Land.unter" initiative: Floods, heavy rain and severe storms - every year, people feel the force of nature. With the "Stadt.Land.unter" initiative, the insurance industry educates people about the growing danger of heavy rainfall and shows how tenants and property owners can protect themselves. An important part of the initiative is the Natural Hazard Check, which property owners and tenants can now use to easily determine their individual risk of being affected by natural hazards. On the online platform, consumers can enter their zip code to find out what damage severe weather has caused in the past at their own place of residence: How many buildings were affected in the region last year, the most expensive damage caused by heavy rain, storms or hail, and the risk of flooding.

• Bank of Greece's website
  
  
  
  General information, Q&As, contact info:
  
  
  
  STEP 1: Any interested person can choose among the following categories (photos): a. credit institutions, b. private insurance, c. resolution of credit institutions and private insurance undertakings, d. certifications of knowledge and ability for credit institutions & insurance products distributors, e. Bank of Greece's Cultural Center (museum, library, historic archive, publications), f. anti-money laundering, g. payment and settlement systems.
  
  
  
  STEP 2: Once a category is selected e.g. private insurance, a relevant drop-down list appears with specific issues, e.g. complaints.
  
  
  
  STEP 3: The most FAQs and their answers on the selected specific matter appear on the screen. Should the visitor's query remain, the visitor can press the hyperlink CONTACT US and reach the on-line application form (https://www.bankofgreece.gr/xristika/forma-epikoinwnias).

• The website Pénzügyi Navigátor supports consumers with comprehensive and easy to understand information about products and processes in the financial sector. In the website there are short and clear information booklets prepared for consumers in connection with wide range of financial topics. There are also information about the contact points where consumers can turn to in case they have complaints. The website includes also a finance dictionary, useful links and warnings about key investment risks and on unauthorized service providers. The portal also targets non-governmental organizations in the field of financial awareness and consumer protection.
  
   
• The Hungarian Insurance Association (MABISZ) has been operating “Díjnavigátor”, a free motor third-party liability (MTPL) aggregator website, since 2010. It helps consumers to make informed decisions by calculating and comparing the MTPL premiums of all insurance companies in the Hungarian market in a transparent way.

• The website of the Central Bank of Iceland includes pages addressed to consumers. Amongst others, they address common questions from consumers (e.g. what is inflation and what are policy rates) and provide material for schools as well as information on the activities of the Central Bank).

• The Competition and Consumer Protection Commission (CCPC)'s consumer website provides information for consumers on managing their money and various financial products. It also has tools to help consumers make financial decisions, including a budget planner and comparison tools for mortgages, current accounts, loans, savings accounts and credit cards. The website also has information on the CCPC's financial education programmes, including the workplace programme Money skills for life, which provides employees with free talks on personal finance.
  
  It also links to the CCPC's schools' programme Money Matters (moneymatters.ccpc.ie) which provides free resources for secondary school teachers and students on personal finance topics, including videos, worksheets and case studies.
  
  Ireland does not currently have a national strategy for financial education or financial capability. The CCPC is an independent statutory body with a dual mandate to enforce competition and consumer protection law in Ireland and also has a statutory role in relation to the development of financial education and financial capability in Ireland.
  
   
• The Insurance Information Service (IIS) that is operated by Insurance Ireland, the Irish insurance association, has been providing general, jargon-free information about insurance to consumers since 1990. The IIS was set up to respond to public enquires about insurance policies and claims as well as to handle certain complaints. The IIS provides the information to consumers by phone and e-mail. Its services also include resolving cases under the Declined Cases Agreement, a statutory provision under which a person must be provided with a motor insurance quote if they have been previously declined by three insurers. In addition to questions from consumers, the IIS also handles direct enquiries on consumer matters from organisations such as the National Consumer Agency, Citizens Information Board, government departments and the Central Bank.

• "EDUCAZIONE ASSICURATIVA" is the IVASS Insurance Education portal. It specifically intends to offer citizens, including the younger ones, simple and clear information instruments on the principal issues of the insurance field, in order to help them make aware choices and improve their own welfare and security. From this portal you can access different informative products, each one designed for a specific target of users.
  
   
• "PER I CONSUMATORI" / "FOR CONSUMERS" is the dedicated section in IVASS website which describes what IVASS does for Consumer protection. In this section, there are the answers to the frequently asked questions received by IVASS Contact Center, the main data on the complaints filed by consumers with either IVASS or the insurance undertakings and the most important regulations for the protection of policyholders, by topic. It's possible to check the list of irregular insurance mediation websites, the warning list of unauthorised undertakings and the list of cases of counterfeiting.
  
   
• "QUELLO CHE CONTA" is the portal launched by the National Committee for the coordination and planning of initiatives on financial education aimed at disseminating financial education projects and materials developed by Supervisors and by the various entities participating in the Committee. The portal provides information tools to support financial decisions inherent to different stages of life.
  
   
• COVIP institutional website dedicates, in line with its competence, a section to the retirement education by providing introductory guides, factsheets, self-assessment questionnaire and other information tools, which should be useful for learning about the supplementary pension system and how it works. The section also includes some in-depth information sheets, FAQs and the Glossary to help you understand the concepts most used in the supplementary pension system.
  
   
• The Forum ANIA - Consumatori is a non-profit foundation set up by ANIA with the aim of facilitating and enhancing the dialogue between insurers and Italian consumers. It deals with welfare issues, financial education and training and insurance market issues. The Forum has, for example, developed a digital application that allows citizens to check their level of knowledge in the financial field and monitor the vulnerability of their family. It is also launched the "Io & i rischi" (Me & Risks) initiative, which is aimed at preventing risks and promoting an insurance culture among young Italian students.
  
   
• Sonoprevidente has been created to help Italian citizens to find information and answers about their pension and healthcare future. It explains the different roles of public and private welfare and how they work with infographics, videos, tools and FAQs. Citizens can also find weekly news about the sector and some Guides that explain how Pension funds and Healthcare funds work as well as the welfare for self-employed workers. A specific section is dedicated to the young people. Sonoprevidente has been developed by Mefop (Company for the development of the pension funds market): the Ministry of Economy and Finance is the main shareholder, together with more than 100 welfare institutions (occupational pensions and healthcare schemes).

• Finanšu pratība (The Financial Literacy) is a digital platform, where all current and official information on financial literacy in Latvia can be viewed as well as relevant documents (strategy, research, data) can be found.
  
   
• The Klientu skola (The Client School) is an educational portal for financial literacy in Latvia and it was launched by the Financial and Capital Market Commission. The Klientu skola (The Client School) collects educational materials on the most popular financial services and associated risks. Vortal provides explanations of the basic principles about savings, budget planning, investments, insurance, deposits, loans, payments and protection of client interests. Vortal is also available in Russian.
  
   
• Consumer Rights Protection Centre website includes information related to consumer rights in Latvia (laws, regulations, information about supervision, public information campaigns, etc.).

• The website of the Financial Market Authority Liechtenstein has a specific section on the protection of consumers. Amongst others, it includes a register with information on financial intermediaries and undertakings operating in Liechtenstein, warnings that a person is not entitled to carry out certain financial services as well as information as to whom consumers should contact in the event of a claim.
  
   
• The University of Liechtenstein offers different types of advanced training courses for working people. The focus is on part-time university continuing education courses, ranging from certificate courses to executive master's courses.
  
  In addition, experts have the opportunity to participate in lectures, courses, seminars, conferences and symposia to update their knowledge.

Lietuvos bankas / Ekonominis ir finansinis švietimas is the section of the internet website of the Bank of Lithuania dedicated to the economic and financial education of the consumers. This section covers the most popular topics related with different financial products provided in Lithuanian and European market.

The LETZFIN website is an initiative aimed at promoting general knowledge in financial matters under the coordination of the Commission de Surveillance du Secteur Financier (CSSF). The CSSF is a Luxembourg public institution, which supervises the financial sector with the exception of the insurance sector.

The objective is to make the functioning of the world of finance accessible to all through simple explanations of its technical terms. The target group of LETZFIN remains quite general, people of all ages and professional backgrounds.

The website includes essential information with respect to situations each citizen encounters in private life. The purpose of the portal is to educate and protect consumers by providing them with basic financial information to help analyse and understands their financial situation, so as to make appropriate and informed decisions. The portal also contains useful interactive tools linked with financial matters such as a credit calculation simulator, a budget management toll, quiz games and explanatory videos.

• The MFSA is an independent public institution, regulating over 2,200 financial services firms in Malta. It is also responsible for consumer education and consumer protection in the financial services sector.
  
  Through the Consumer Awareness and Education section of its website, the MFSA provides information to consumers so that these are more aware of their rights and obligations when purchasing financial services or products. The website outlines the various financial products available such as different types of loans, bank accounts, investment services, insurance products, provides information about consumer’s rights and duties and explains technical jargon. It also provides guidelines on how to avoid scams and regularly updates consumers of financial services by issuing notices and warnings.
  
   
• The website of the Malta Insurance Institute, the national institute for risk and insurance practitioners in Malta. It contains information for members and non-members, news, think-pieces, MFSA and EIOPA regulatory updates and training/CPE announcements.
  
   
• The webpage of the Association of Consumer Rights covers financial services and related topics and also general topics for consumer protection.
  
   
• The webpage of the Maltese Arbiter for Financial Services covers information on cross-border complaints.

• Money Wise is a platform responsible for developing and implementing the Dutch National Strategy for Financial Education. The programme office is run by the Ministry of Finance and involves various partners from government, science, education, the financial sector and consumer associations with the goal of increasing financial literacy and awareness among Dutch consumers. It does so by providing helpful links, tips and tricks and tools. It also runs various annual programmes such as MoneyWeek and Pension3Days. It also supports employers in helping employees becoming and remaining financially healthy.
  
   
• Nibud is an independent foundation in the Netherlands that gives information and advice on financial matters of private households. Its mission is to contribute to family welfare by promoting a sound way of money management. Nibud does this by enabling households to make decisions on their own about matters with consequences on their budgets. Furthermore, Nibud increases the expertise of institutions for as much these influence the budgets of private households with their policy, advice or education.
  
   
• The www.vanatotzekerheid.nl website (From A to security) was set up by the Dutch Association of Insurers in 2014 to provide independent consumer information in plain language. The information is arranged by life event, such as getting married, buying a house or travelling abroad, to make it easy for consumers to find the information they are looking for. The “insurance in four steps” section encourages consumers to be critical and shop around before they buy a policy. The four steps covered are: shopping around, what to consider when buying a policy, making a claim, and amending or terminating a contract. The website also includes a glossary of terms and an option to ask questions via an online form.
  
   
• The pension tracking tool https://www.mijnpensioenoverzicht.nl/ provides citizens with an overview of their pension entitlements from their first and second pillar pension. The tool is an initiative by the Dutch Association of Insurers, the Federation of the Dutch Pension Funds and the “Sociale Verzekeringsbank”, the organisation that implements national insurance schemes in the Netherlands.

• This page of the website of Finanstilsynet provides specific information addressed to consumers, such as how they can complain against financial services providers, a register of all Norwegian companies that are licensed to offer financial services, important market alerts as well as general information on different types of insurance products.
  
   
• “Norsk Pensjon” (Norwegian Pension) is an online tracking tool that provides consumers with an overview of the expected retirement value of various pension schemes. The tool, which was launched in 2006, collates information from private pensions, occupational pensions and public pension schemes.
  
  Finance Norway, the financial services association, was one of the main initiators of this tracking tool. Norsk Pensjon is owned by seven life insurance companies and was developed in cooperation with the Social Security System (NAV). It has proved very popular with consumers, who are performing 3.4 million pension calculations every year.
  
   
• The Finansportalen website is a portal that allows consumers to compare conditions and prices for the most common types of insurance and other financial products. The portal was developed by the Norwegian Consumer Ombudsman, the Consumer Council and the Ministry of Finance and Ministry of Children, Equality and Social Inclusion. It was first launched in 2008 and has officially been part of the Consumer Council since 2010. Insurance companies provide the data for the portal.

• Financial education website "CEDUR" (Polish, English) is a subpage within the main website www.knf.gov.pl devoted to The Education Centre for Market Participants (CEDUR) which is a long-term project carried out by the Polish Financial Supervision Authority (UKNF). The project is aimed at promoting and disseminating financial literacy and understanding of how the financial market operates by using for this purpose various methods of education: direct i.e. training seminars, workshops and indirect i.e. publications (free brochures and handbook), Competition for the Award of the Chair of the KNF Board for the best PhD dissertation in the field of financial markets.
  
  The main part of the CEDUR project are training seminars and workshops addressed to various groups of participants and the educational publications as well. The subpage "CEDUR" provides information on the activities taken within the project with a breakdown per sections: Training seminars, The UKNF’s publications on financial literacy, Contests and other educational initiatives, Educational initiatives for school environment.
  
   
• In February 2018 the Polish Chamber of Insurance (PIU) launched a project dedicated to helping consumers understand the idea of insurance. On a dedicated website consumers can find advice and answers to frequently asked questions.
  
   
• The webpage of the Office of Competition and Consumer Protection provides information related to consumer protection for the financial services market.
  
   
• The webpage of the National Bank of Poland provides information on the capital market, banking and finance, monetary policy, public budget, basic economic concepts, financial planning.

• The Todos Contam is the portal of the National Plan for Financial Education. Todos Contam is a financial education portal managed by the Portuguese financial supervisors that provides information and useful tools for the management of personal finances and presents information to support financial decisions inherent to different stages of life. 
  
  It also provides access to an e-learning platform that features a set of classes and support materials on topics such as insurance. The Todos Contam portal functions as a platform for disseminating financial education initiatives, projects and materials developed by financial supervisors and the various entities participating in the Plan.
  
   
• Portal do Consumidor is a financial education portal managed by the Portuguese insurance and pension funds supervisor which provides information on the main features of different insurance products, licensed insurance undertakings, insurance intermediaries and ancillary insurance intermediaries, complaints procedures, recommendations issued by the clients’ ombudsmen and insurance legislation.
  
   

• FSA portal for Financial Education is managed by the Financial Supervisory Authority and is dedicated to population, as it provides information and useful tools for the management of personal finances, including campaigns and programs for financial education in the area of personal finances, insurance, capital market, private pensions. Also, it presents information to support seminaries for financial literacy inherent to different stages of life, including support materials used for train the trainer purposes. The site functions as a platform for disseminating financial education initiatives, programs and materials developed by FSA. It also contains a large set of materials dedicated to consumers, as awareness is part of financial literacy of adults and SMSE.
  
   
• This page presents the campaigns, support materials and the projects implemented by ISF in partnership with the Financial Supervisory Authority or with professional associations from insurance industry. It also offers information about the past and future events - as the European Conference of Financial Services, targeting both students and professor.
  
   
• Asiguropedia aims to:
  • To inform the general public about the insurance mechanisms and, implicitly, its education in order to reduce the risks.
  • To help consumers of financial products and services to understand the necessary notions in this field, in order to be able to make correct decisions and adapted to their needs.
  • To guide those who want to plan their family's financial budget, in order to reduce its destabilization, to the right insurance products for them.
  • To increase the degree of prevention of the risks of daily life, including in terms of road, domestic or health hazards.
  • To help people act and react in critical situations, thus trying to reduce material or human loss of life.
    
     
• APPA is a professional, non-governmental, apolitical, independent, non-profit organization whose main goals are to promote the concept of insurance, to protect the interests of the consumer of insurance products and to support the increase of insurance education among the Romanian population.

• The websites managed by National Bank of Slovakia (NBS) and Ministry of Finance are dedicated to general public with the aim of explaining in a simple way and language the principles of money management and various operations with financial resources, such as investments, mortgages, bank services, insurance etc., vocabulary and FAQ are also available. They provide all the information connected to finance management in a clear way with many examples and practical advice for day-to-day situations.
  
   
• The basic framework for the financial education activities of NBS is set out in The Financial Literacy Support Strategy of Národná banka Slovenska. In 2020, on the basis of this strategy, NBS unveiled a new initiative in the area of financial education: the web portal http://www.5penazi.sk/. Here people can access reliable information about the world of finance, including videos, interviews, warnings, and advice to help them in their financial decisions.
  
  
  
  We also provide opportunities for informal interactive financial education at our Banská Bystrica and Košice regional offices and at the Museum of Coins and Medals in Kremnica. During the COVID-19 pandemic, we have started to offer online financial education to secondary schools and have stepped up our educational activity on social media. In this way, we are reaching out to the younger generation, whose important financial decisions still lie ahead. Furthermore, we have set up a grant scheme to support NGO projects in the area of financial literacy.
  
  
  
  At NBS we believe that a more financially educated population means a more stable economic and financial system. Better economic decision-making will increase the financial well-being of consumers and their families.

Financial literacy is important in the field of insurance, so the Insurance Supervision Agency in its work attaches great importance to the protection of policyholders and other beneficiaries of insurance contracts. The new Directive on the Distribution of Insurance Products (IDD Directive) brings many innovations for policyholders as well as for insurance sellers - distributors, which is why the Agency decided, among other things, to issue a brochure on this topic.

he brochure presents and explains the essential innovations and information for the consumer or insurer brought by the IDD Directive. The brochure is available on the Agency's website in Slovene at the link https://www.a-zn.si/potrosniki/brosure-agencije/ and in English https://www.a-zn.si/en/consumers/agency-brochures/.

In addition, the Insurance Supervision Agency is preparing the content and scope of the updated knowledge for the basics of insurance, which will be used in the textbooks of the Ministry of Education and Sport.

 

• Finanzas para Todos is a webpage sponsored by the Spanish Financial Markets Authority (CNMV) and the Bank of Spain. Its content covers all the areas of a Financial Education Program: from advices on how to deal with personal and familiar finances to the description of the main financial products. You can find too some links addressed to collectives as teachers and students or to webpages of the private institutions (on insurance that of the MAPFRE Foundation).
  
   
• Gaspar is a webpage managed by the Spanish Insurance Supervisory Authority (DGSFP) which offers all the information on the insurance and pension products. A guidance to advice in the process of contracting, a technical glossary of terms and the way of submitting complaints are a part of its content. Moreover you can find a section of Frequently Asked Questions covering topics on the entire process of the life of an insurance or pension product.
  
   
• The Tus coberturas (Your covers) microsite of the Estamos Seguros campaign by the The Spanish Insurers Association (UNESPA). On this microsite people can find explanations of what the characteristics of the five most common insurance products are: motor, home, health, life risk and funeral services. The microsite explains what is covered by compulsory, standard and extended insurance cover for each of these five insurance products.

• This webpage of Finansinspektionen provides a financial education overview with links to what educational projects are available.
  
   
• Gilla Din Ekonomi - the independent network of financial education including material, online courses and different apps.
  
   
• Konsumenternas - The Swedish Consumers' Banking and Finance Bureau and The Swedish Consumers' Insurance Bureau provide consumers with independent information, comparisons and advice regarding financial services. All information and advise is free of charge.
  
   
• minPension, online since 2004, is an independent self-service service educational web platform, which gives the pension saver a comprehensive picture of earned and saved pension including the ability to make pension forecasts free of charge. As of 14th of October 2020 logged-in users exceed 4 million people.
  
   
• Fullmaktskollen.se is a service for managing powers of attorney relating to pensions and life assurance policies. Fullmaktskollen.se makes it easy for individuals and companies to get an overview of their powers of attorney and how long they will be valid. The service also allows users to sign powers of attorney and revoke them. It is provided free of charge for individuals and companies. Fullmaktskollen.se was established in 2016 by Insurance Sweden and the Swedish Insurance Brokers' Association.
  
   
• Insurance Sweden, the Swedish insurance association, has run the “Ersättningskollen” (Compensation check) website since 2014. It was produced with the public agency for sickness benefits (Försäkringskassan) and AFA Insurance, an insurance company owned by labour market representatives. The website allows consumers to calculate what benefits and compensation they are entitled to from both public and private schemes in case of sickness, an accident or occupational injuries. It does not require any log-in and gives them a first check of their economic situation and a guide to how to apply for compensation and benefits. Two million people have visited the website since 2014.