Published on 24-03-2017 by admin

National curriculum, Bakcyl, From Grosz to Zloty

Wawel Castle, Vistula river and bridge in Krakow, Poland

European Money Week events in Poland

Monday 27 March  – 11 am -2 pm

Financial Education Forum, venue: Bankers’ Club:
Presentation of the 6th Financial Education Map – a cyclical document which is a comprehensive inventory of nationwide financial education programs and projects in Poland.
A project run by Polish Banking Association:
Panel discussion on the reform of education in Poland and its impact on financial education.
Presentation on EM and selected activities of national banking associations.

Tuesday 28 March  9-am – 4 pm

Congress of Financial Education, venue: National Stadium – PGE Arena
Under the patronage of ZBP. The main national event within EMW with participation over 300 people
more: http://konferencje.alebank.pl/konferencje/kongres-edukacji-finansowej-2017/

Wednesday 29 March, 10 am

A working group on educational activities within financial market,  venue: Finance Ministry
In the agenda: presentation on the EMW initiative.

During the all week

Members of banks’ boards give their lectures at schools which take part in the Bakcyl program

Key actors in financial education and financial literacy


The Ministry of National Education introduced curricula for primary, secondary and tertiary schools in 2001. They include non-obligatory subjects on financial awareness at primary and secondary schools and an obligatory subject “Principles of Entrepreneurship”, covering financial education, at tertiary schools.
The Central Bank of Poland has a long-term programme of supporting the development of financial awareness and entrepreneurship. This is realised through direct financing of education programmes for schools, pupils and their teachers, offering co-financing and grants for financial education projects, organizing national financial awareness campaigns and providing information through a dedicated website.

Polish Bank Association & members

bakcyllogo - polandMany banks have their own foundations, but they are also donors for larger foundations and cooperate with various NGOs.
The Polish Bank Association (ZBP) coordinates and participates in the Financial Education Forum in Poland, the members of which are associations of financial institutions, relevant Ministries, the Central Bank, the Financial Supervision Authority, the Polish Stock Exchange, other financial institutions, the Junior Achievement Foundation, other foundations for economic education, etc.
The Association (together with Polish Insurance Association) publishes “Map of Financial and Insurance Education” every 2-3 years, providing information about financial education programmes and projects in Poland. The publication also includes evaluation of financial education part of school and university curricula and handbooks.
The ZBP is also the patron of the educational project ‘Bakcyl’ (meaning: germ) run by the Warsaw Institute of Banking at schools.
The Modern Business Management Programme has been also established on the initiative of the Polish Bank Association. Its goal is to raise the awareness of the financial market, entrepreneurship and business management through the development of cooperation between the business sector, on the one hand, and universities and academies, on the other hand. At present it is implemented by 122 Polish universities and academies. More: http://www.nzb.pl/en/nzb-program
The ZBP cooperates with local radio stations in organizing financial education competitions and with newspapers by providing financial education inserts.

Other actors

There are many NGOs and foundations providing financial education programmes for schools at all levels, for students, graduates, adults, professional groups (e.g. journalists or court experts), women, seniors, indebted or financially excluded citizens, people with low income, etc.
There are different forms of financial education tools used in Poland, including traditional training, competitions, city games, simulation games, TV, radio and internet campaigns, dedicated conferences and seminars, websites, handbooks or guides.

Example of good practice

In Polish schools, financial education is part of entrepreneurship subject. Components of financial education are also used in other classes, e.g. mathematics.

1) Bakcyl’ – an educational project and a set of financial education lessons at school taught by local bankers on voluntary basis co-financed by the Polish Bank Association and banks.
2) The Modern Business Management Programme
3) ‘From Grosz to Zloty‘ (meaning: from cent to euro) – non-obligatory primary school programme for children and their parents teaching saving habits.
4)  “Teenagers Mini Firm” – a real small firm established for 1 year at school, supervised by teachers, with a business plan, production and sale.
5)  “Plan Your Future” – special programme for low income people teaching planning and saving habits.
6) Entrepreneurship Club – a long-term support project for entrepreneurship teachers.

Financial education part of curriculum? Yes
PISA financial literacy ranking (OECD, 2012): 6th