About project

Right from the very start of their pre-school education, each and every child should go through staged preparation for understanding and exploring the world of finance.

In a joint effort with Verba Foundation, Bank Millennium Foundation decided to address this need and organise in autumn 2016, a series of free educational workshops, as part of Stage 1 of „Financial ABC” project.

At our meetings at kindergartens, we will try to explain to the youngest the nature of money and saving principles that will facilitate their start in adult life so that in the future they would spend their finances wisely.

Furthermore, the workshops will promote open, charitable, active and creative attitudes.

The following are the main objectives of the project:

  • 1. Response to the question about the origin and purpose of money
  • 2. Value of money concept
  • 3. Developing awareness of different forms of money
  • 4. Developing saving and planning habits
  • 5. Making children aware of the difference between need and wants
  • 6. Taking purchase decisions

About workshops


The first stage of „Financial ABC” project will feature 200 free workshops for 5000 children in kindergartens in dozens of Polish cities.

  • Workshops

    The Workshops’ mission will be to:

    • wake up the children’s interest in the world of finance
    • promote the idea of enterprise spirit among children
    • propagate broadly understood mathematical and economical education
    • develop positive social attitudes to financial issues
    • provide children equal educational opportunities through supporting their curiosity, activity and autonomous decisions
    • develop knowledge about the surrounding social, natural and technical world
    • develop the teamwork skills
    • stimulate imagination

    Already in 2011, finance experts and academia appealed to the ministers of education and science and higher education to review and modify the teaching syllabuses with impact on the financial awareness of the young, because – according to the report of the Warsaw School of Economics – the financial awareness of Poles is lower than that of other nations. It has been also confirmed by other studies which have, inter alia, discovered that a broad group of Poles cannot tell the difference between a credit card and an ATM card, claiming that economics is boring – says prof. Andrzej Cwynar, dyrektor of the Institute for Financial Research and Analyses at University of Information Technology and Management in Rzeszów.

    Financial intelligence specialists claim that the school and all the formal education develop merely a narrow range of skills and types of intelligence, such as logical and mathematical intelligence and verbal intelligence. However, they completely neglect other types of intelligence and development of practical skills which we later miss in our adult life.

    Furthermore, increasingly more parents have been grappling with the problem of numerous requests of children for purchase of yet another toy, gadget and satisfaction of other wants. Children usually have one point: „because Johnny has it”. Parents become helpless in the face of rebellion, dissatisfaction and frustration of their children at the moment when their whims are not satisfied. And financial education for the youngest is just the response to such situation. Specialists agree that through fun we can present to our children the relation between work, money and expenditure.

    We hope that „Financial ABC” project will address these needs.

  • Workshop structure

    Every workshop will be composed of three topical blocks:

    1. „What is money”
    2. „Value of money”
    3. ”Shop and saving play”

    The workshops will be conducted by professional animators.  An original scenario has been developed for the workshops. The core material used in the project is a book series featuring Sebastian – children’s loveable guide in the world of finance.

    Each kindergarten taking part in the Project will receive an educational package comprised of books, colouring pages, games and gadgets. In the future, these materials may be used by tutors and teachers for more in-depth instruction.

    For correct development of children and in view of the dynamics natural for this age, each workshop will offer intermittently kinetic, table-based assignments, quizzes and both group games and self-experience.

    Each workshops shall last 60 minutes.

  • Participants

    A kindergarten which expresses its interest in the workshops may enter from 1 to 4 kindergarten groups to the project. Each group should not have more than 25 persons.

    The Workshops are addressed to 3-6 year-old children. The scope of the Workshops will be adjusted to the age of the children.

  • Location

    Given the logistic capabilities of the Foundation, the Workshops may be held in the below cities and within maximum 20 km from their boundaries: Tri-city, Toruń, Bydgoszcz, Warsaw, Łódź, Cracow, Katowice, Lublin, Opole, Wrocław, Poznań and Szczecin.

    In the next rounds of the project the list will be extended by adding new locations.

Entries and deadlines

Entries for the workshops can be filed from mid-September until the pool is exhausted. The workshop schedule shall be agreed with all the establishments.

A kindergarten may enter the workshop by:

  • Contacting Volunteer of the Bank Millennium Foundation
  • Filling out the Entry Form and emailing its scan to the box fundacja@bankmillennium.pl

Download the form

Recommendations and opinions

I would like to kindly inform you that I have assumed the honorary patronage over the project called „Financial ABC”.

Wants, entertainment, toys – this is what our children demand from us every day – „Mum, buy me this”; „Dad, I want that”. You could name a lot of such examples. Parents come up with all sorts of responses like „No, just because”, „You’ve got already zillions of those”, „I can’t afford yet another toy” or, unthinkingly, give in to all the demands of their children.

I am convinced that many such situations could be evaded or at least minimised if children, from their early age, were taught about the value of money, if they were shown what the relations are between what you earn and what you spend, and how to effectively plan your expenses and save. One may say that economy is a topic that is too difficult and incomprehensible for children. You have demonstrated that it can be done and the rules of money, economy and market may be explained even to the youngest in a comprehensible manner.

A wide educational offer addressed to pre-schoolers will support familiarisation with the notion of money, but first of all it will contribute to the development of a habit of planning and frugality. It is a unique value of this project.

My best greetings to all those involved in preparation and execution of the project as well as its further Participants.

Marek Michalak - Ombudsman for Children

  • See more opinions

    According to the authors, the objective of the project is to familiarise pre-school and early-school children with basic economic concepts and mechanisms, to raise their interest in the world of finance as well as to promote the idea of enterprise among the youngest. Due to the project’s target group, the Authors are planning to pursue these objectives in a light form comprehensible for children. An interesting element of these scenarios is the figure of Sebastian, a man who becomes a unique guide for children in their exploration of the secrets of money, mechanisms for planning expenses and saving.

    The scenario has been written with due care about its language and content. Also, the up-to-date economic knowledge is presented in a manner comprehensible for few-year-olds. The material contains in its structure some educational situations that are conducive to independent experiencing by children and give them a lot of joy. Games of different degree of difficulty take into account the interests, needs and capacities of pre-schoolers

    I see taking up finance, such an important in everyone’s life topic, in actions pursued with the youngest, as a highly valuable idea and a worthwhile effort. The authors of the scenario have their own experience in the work with the youngest, which they have skilfully used to address the topics related to economy and enterprise.

    Małgorzata Narożnik - founder and editor-in-chief of a magazine for teachers „Pre-school ABC”. Author of numerous publications on pre-school education methods, inventor of teaching aids and author of educational and prevention programmes for pre-school children and their parents. President of the Warsaw Branch of the Polish Committee of Organisation Mondiale pour l'Education Prescolaire.


    At the first glance, teaching the basics of economy to pre-schoolers seems to be quite a risky idea. But in fact, it is not. Since their youngest years, brats listen in to the adult talks – about money (or lack thereof), loans, household budgets (what we can and what we can’t afford). At the same time, they constantly demand from their parents and grandparents an incessant supply of „benefits” – toys, etc. And so it would be good for them to know that money does not grow on trees and you should earn it first, to grasp that choices have to be made – another toy car or another ice cream. ATM will pay out the money only if our account is not empty. And so on and so forth. When the children grow up a little, I would like to invite them with their parents or teachers to the Money Centre (Centrum Pieniądza), recently opened at NBP, for some more advanced economy classes.

    When the children grow up a little, I would like to invite them with their parents or teachers to the Money Centre (Centrum Pieniądza), recently opened at NBP, for some more advanced economy classes.

    Prof. dr hab. Marek Belka - Chairman of the National Bank of Poland in 2010-2016