Luxembourg launches a national action plan to strengthen financial education at school

A structured plan built around 10 measures

The national plan is structured around ten complementary measures that will be rolled out gradually, with many elements expected to be introduced from the 2026/2027 school year. Among the measures announced:

• a national financial competence framework spanning Cycle 1 through to the upper years of secondary education, organised around four key strands (understanding money; managing money day-to-day; society and the economy; planning for the future);
• “Finny”, a puppet theatre format for Cycle 1, introducing fundamental notions (needs vs wants, limited resources, first choices) in an age-appropriate way;
• integration of financial education into Cycles 2–4 as a transversal, priority theme, rather than a separate subject;
• the forthcoming Piwitsch-Finanzguide (planned from 2027/2028), combining print and digital content (articles, quizzes, mini-videos, podcasts);
• practical “learning by doing” initiatives such as EduStart-Up (student-led school enterprises);
• the Finanzfürerschäin, enabling pupils to certify financial skills via short digital modules (including an extension for 2e from 2027/2028);
• a national partnership charter to ensure neutrality, quality standards and learner protection;
• a new Financial Literacy Label to recognise secondary schools that run regular activities;
• a monitoring system to track implementation and progress over time, including Luxembourg’s first participation in OECD PISA Financial Literacy in 2029.

Fondation ABBL pour l’éducation financière: supporting impact on the ground

The Fondation ABBL pour l’éducation financière welcomes the announcement with great enthusiasm. Alongside existing initiatives — such as Woch vun de Suen and workshops on budget management and sustainable finance — the Foundation contributes to raising awareness among students through practical training programmes and by helping bring young people closer to the world of finance.

As an official partner referenced within the broader collaboration framework, the Foundation intends to further strengthen its contribution over the coming years. In 2026, it aims to expand its offer with the support of its network of volunteer trainers, ABBL employees and employees from ABBL member institutions, including new modules (among which a workshop on crypto-assets) aligned with the OECD/European Commission financial competence framework.

Key milestones: PISA 2029 and OECD 2026

Two future milestones underline the ambition of this national approach:

• Luxembourg’s first participation in PISA Financial Literacy in 2029, which will help benchmark progress internationally and validate the relevance of the national framework;
• Luxembourg’s participation in an OECD study on adults’ financial literacy in 2026.