Nuorten valtakunnallinen taloustaitokilpailu

OPxMoneyTalk – financial skills to children and young people

Managing your personal finances is an important life skill. Skills learned while young also reflect in our personal financial skills as adults. Young people feel they are not taught enough about financial literacy or money and want more support in learning how to manage day-to-day finances. For these reasons, OP supports the personal finance skills of more than 70,000 children and young people in 2019.

OP cooperative bank visits to schools

The cornerstone of our financial literacy work are visits by OP cooperative bank representatives to schools and educational institutions all around Finland. OP cooperative banks also invite children and young people to visit banks and learn skills for working life, personal finances and entrepreneurship. In 2019, we met with more than 46,000 children and young people at events across Finland. 

In the Summer jobs paid for by OP campaign, OP cooperative banks funded summer jobs for more than 1,700 young people around Finland in 2019.

OP also supports Finnish education and expertise. In 2018, we donated a total of 1.3 million euros to universities of applied sciences. The donations were given by OP’s central cooperative and OP cooperative banks. The donations follow on from OP’s previous investments in the development of education. In previous years, OP has also given significant donations during rounds of fundraising for universities. In 2016-2017, OP Financial Group donated a total of 6.3 million euros to universities.

Financial Literacy week 23 to 29 March 2020

In 2020, OP hosts the Financial Literacy week with particular emphasis on the personal finance skills of children and young people. During the week, OP cooperative banks throughout Finland teach day-to-day finances and practical money skills to young people. OP celebrates the theme week for financial literacy skills as part of the European Money Week. During the week, representatives from OP cooperative banks throughout Finland will visit schools to teach financial skills to young people with game-like methods in OPxMoneyTalk sessions. In the spring of 2019, OP also launched a solution room called OPxBankVault, which teaches young people about the effects of a payment default.

Financial literacy competition for ninth-graders together with the Association for Teachers of History and Social Studies in Finland

Together with the Association for Teachers of History and Social Studies (HYOL), we enhance the personal finance skills of ninth-graders in the national Financial Literacy Competition and in the events linked to it. The qualifying round of the Financial Literacy Competition will be held in early April at schools around Finland. In 2019, some 25,000 pupils from more than 390 schools participated in the competition. The finals round will be held in Helsinki in late May. The winner in 2019 was Iida Saraniemi from Napapiirin yläaste (Napapiiri Secondary School) in Rovaniemi. Aapo Räikkönen from Kuninkaanhaan koulu in Pori took second place, and Iiris Jurmu from Tupoksen yhtenäiskoulu (Tupos Comprehensive School) in Liminka ranked third. In addition to the contest itself, OP’s goal in the Financial Literacy Competition is to teach personal finance skills to ninth-graders. To achieve this, during the competition, OP cooperative banks will visit schools to teach financial skills to young people with game-like methods in OPxMoneyTalk sessions.

OP supports the Pikkuyrittäjät (Tiny Entrepreneurs) and Uskalla yrittää (Dare to Try) programmes by Junior Achievement Finland

Through our partnership with Junior Achievement Finland, OP is involved in the finale of the ‘Dare to Try’ programme. OP also supports the ‘Tiny Entrepreneurs’ programme. The purpose of these is to strengthen the working life skills of primary school and secondary school pupils and to help guide pupils towards the path of entrepreneurship. In the Tiny Entrepreneurs programme, the emphasis is particularly on elementary school-aged children, who set up their first businesses with the help of the programme.

OP is involved in Yrityskylä activities around Finland

Yrityskylä (Business Village) is a Finnish learning concept that has been awarded the world’s best education innovation. The concept offers positive experiences in working life, economy and society to schoolchildren in Years 7 and 10. Today, Yrityskylä has reached more than 300,000 children and young people and operates at eight locations in various parts of Finland. OP supports Yrityskylä activities around Finland.

Economy and Youth TAT’s My life, my work workshops

Together with Economy and Youth TAT, OP and the Association for Finnish Work kicked off Finland’s largest working life tour, “My life, my work” in spring 2019. The tour gives upper secondary vocational school students perspectives on working life, and it challenges young people to think about managing their personal finances.

Financial literacy education innovations together with HundrED

OP also supports the work of HundrED, with Startup High School as our twinning project. In 2019, HundrED and OP identified ten educational innovations that bring financial literacy to young people’s everyday life. These innovations were presented in the report Spotlight: Financial Skills for Young People. Learn more about the Spotlight report.

Deaconess Foundation’s Taloustaito project

In the banks' joint Taloustaitohanke (financial literacy project), co-ordinated by the Helsinki Deaconess Institute, bank employees teach socially excluded young people financial literacy skills in workshops and individual sessions around Finland. Launched in 2013, the project co-ordinates visits by OP employees to youth groups and helps young people to learn personal finance skills through individual training.

The Money Talk survey investigated the financial literacy of Finns

In 2019 together with the Guarantee Foundation and the Martha Organisation, OP published the Money Talk survey on the present state of financial literacy in Finland. Learn more about the survey.

Let’s talk #moneytalk and #personalfinance face-to-face and on social media.


The aim of the cooperation between 4H Finland, Finlands svenska 4H and OP is to support young people entering working life, improve their financial literacy and reinforce their independence in managing their personal finances.