Finanças para Todos

What Finanças para Todos does

Finanças para Todos is a free financial-literacy education program created and operated by the Nova School of Business & Economics (Nova SBE) through its Finance Knowledge Center, based in Carcavelos, Portugal. Launched in 2022, the program addresses Portugal's structural financial-literacy gap — only 42% of Portuguese adults have basic financial knowledge (vs. a 52% EU average, per the European Commission, 2023). Its core offering, 'Particulares', is a five-session curriculum (financial planning, credit, investment, banking/insurance, retirement) delivered in person at the Nova SBE campus and in Porto, or online, free of charge to adults aged 18+. Complementary products include the 'Empresas' B2B program (funded by an EU/ERC grant, targeting 6,000 SMEs and 70,000 workers over five years), the 'Finanças para o Futuro' board game (with Science4You), the 42-episode 'Minuto Finanças para Todos' video series (with CMTV/Correio da Manhã), and dedicated tracks for seniors ('Finanças para 65+'), secondary-school students ('Unlock to the Next Level'), and vulnerable populations.

The program has trained more than 8,500 participants since 2022 across individual, SME-worker, and community audiences, and has accumulated substantial third-party validation, including the Money Awareness and Inclusion Awards (MAIA) 2025 for best non-profit adult education project worldwide and the PRME Education Award 2026 in the Research category. It is led by Miguel Ferreira (Coordenador Académico, holder of the BPI Chair in Responsible Finance at Nova SBE), supported by a research team with affiliations spanning the Federal Reserve Board, IMF, ECB, and Stockholm School of Economics.

Finanças para Todos does not generate commercial revenue: the Particulares program is funded by corporate partners (Fidelidade, CFA Society Portugal) and the Empresas program by the European Research Council grant (Project 101201207, ERC FINANCEforALL). The go-to-market combines direct-to-consumer enrollment (online Qualtrics forms), event-driven delivery (municipal venues, school workshops, senior-center sessions), B2B enterprise outreach to SMEs, and broad media amplification across Portuguese broadcast and print outlets. The team numbers 12 employees, all operating within Nova SBE's institutional umbrella.

Name

Finanças para Todos

Legal name

Nova School of Business & Economics (Nova SBE)

Website

https://financasparatodos.pt

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

11–50 employees

Short description

Finanças para Todos is a free financial-literacy program operated by Nova SBE that trains Portuguese adults (and, via a new EU-funded B2B track, SME workers) in budgeting, credit, investment, and retirement planning, reaching 8,500+ participants since 2022.

Ownership category

akta.pro rank

Product category

Financial Literacy Education

NAICS

Educational Support Services (611710), Educational Services (611), Educational Support Services (6117)

SIC

Services-Educational Services (8200)

akta.pro primary industry

Financial & Consumer Literacy (Banking, Credit, Contracts) (EDAAAAAG)

akta.pro secondary industries

Budgeting & Cash-Flow Management (EDAAAJAA), Personal Finance & Financial Literacy for Students (EDAMAIAH), Financial Literacy, Debt Counseling & Default Prevention (EDALAJAK)

Keywords

• Financial literacy training
• Adult education programs
• Personal finance education
• Workplace financial training
• Financial education workshops

Headquarters

HQ city

Carcavelos

HQ country

Portugal

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Non-profit educational program (free training): Finanças para Todos operates as a completely free educational program funded by institutional sources. The Particulares program is developed by Nova SBE in partnership with Fidelidade and CFA Society Portugal. The Empresas program is funded by the European Union (ERC FINANCEforALL, Project 101201207). No revenue is generated from participants.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

Finanças para Todos delivers a free, evidence-based financial literacy education program consisting of practical training sessions covering personal budgeting, savings, credit management, investment, banking, insurance, digital financial services, and retirement planning. It offers two main tracks—Particulares (individuals) and Empresas (SME workers)—supplemented by an educational board game, a media video series, and community workshops for seniors, youth, and vulnerable populations.

Product overview

Finanças para Todos is a portfolio of free financial literacy education products developed by Nova School of Business & Economics (Nova SBE), comprising a core adult training program (Particulares), an SME-focused B2B program (Empresas), an educational board game (Finanças para o Futuro), a short-form video series (Minuto Finanças para Todos), and a range of community workshops targeting seniors, youth, and vulnerable populations. The programs are funded by the European Union, the European Research Council, and corporate partners including Fidelidade and CFA Society Portugal.

Differentiator

Problem solved

Functional benefit

Brands

• Finanças para Todos: The overarching program name for all financial literacy initiatives run by Nova SBE, covering both individual (Particulares) and business (Empresas) segments.
• Finanças para 65+
• Finanças para o Futuro
• Minuto Finanças para Todos

Products and services

• Finanças para Todos Particulares A free financial literacy training program for adults (18+) residing in Portugal, comprising five practical sessions (1 hour 45 minutes each) covering financial planning and family budgeting, consumer and housing credit, investment and financial products, banking, insurance and digital financial literacy, and retirement and over-indebtedness. Available in-person in Carcavelos and Porto, and online via virtual sessions.
• Finanças para Todos Empresas A free financial literacy training program for workers of Small and Medium Enterprises (SMEs) with 4-500 workers in eligible Portuguese municipalities. The program consists of three practical sessions of 3.5 hours each covering family budgeting and digital security, credit and over-indebtedness, and investments and retirement, delivered at municipal venues across mainland Portugal.
• Finanças para o Futuro (board game) An inter-generational educational board game developed in partnership with Science4You that addresses savings, responsible consumption habits, and investment topics in a fun and accessible format for all ages. Distributed through municipalities to schools and families.
• Minuto Finanças para Todos A series of 42 short video episodes dedicated to answering common financial literacy questions. Developed with support from Fidelidade and produced in media partnership with CMTV (Correio da Manhã TV).

Quantifiable outcome

• 8500+ participants trained since 2022
• +3 more outcomes

Named customers4 records

Segments5 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

18 partnerships are on record, tiered core, secondary and minor.

• Nova School of Business & Economics (Nova SBE)coreStrategic or Co-development PartnerNova SBE is the creator and developer of the Finanças para Todos program. The program is created by the Nova SBE Finance Knowledge Center (Centro de Conhecimento especializado em Finanças). Miguel Ferreira serves as Coordenador Académico and is a professor at Nova SBE.
• FidelidadecoreStrategic or Co-development PartnerFidelidade is a key partner for the Particulares program, supporting the free financial literacy training. The program is described as developed by Nova SBE in partnership with Fidelidade and CFA Society Portugal. Media coverage describes it as 'programa da Fidelidade e Nova SBE'.
• CFA Society PortugalcoreStrategic or Co-development PartnerCFA Society Portugal is a partner in the Particulares program alongside Nova SBE and Fidelidade. Contributes expertise in investment and financial markets.
• Science4YousecondaryStrategic or Co-development PartnerScience4You collaborated with Nova SBE Finance Knowledge Center to develop the board game 'Finanças para o Futuro' (Finances for the Future) - an intergenerational, fun board game covering savings, responsible consumption, and investment topics.
• CMTV / Correio da ManhãsecondaryGTM or Marketing PartnerMedia partnership with CMTV and Correio da Manhã for the 'Minuto Finanças para Todos' initiative - 42 short episodes dedicated to answering common financial literacy questions.
• Banco de PortugalsecondaryStrategic or Co-development PartnerInstitutional partner listed on the Empresas page. Central bank of Portugal.
• Caixa Geral de Depósitos (CGD)secondaryStrategic or Co-development PartnerInstitutional partner listed on the Empresas page. Largest Portuguese state-owned bank.
• Instituto Nacional de Estatística (INE)secondaryStrategic or Co-development PartnerInstitutional partner listed on the Empresas page. National statistics institute of Portugal.
• BPIsecondaryGTM or Marketing PartnerPartner for the Empresas program. Miguel Ferreira holds the BPI Chair in Responsible Finance at Nova SBE. BPI also partnered for the 'Invest with Confidence' lecture.
• Câmara Municipal do PortosecondaryStrategic or Co-development PartnerPartner listed under acknowledgments for Particulares program. Municipal government of Porto.
• Portuguese Municipalities (various)secondaryChannel Partner/ Reseller/ DistributorOver 50 municipalities listed as partners for the Empresas program, including Alandroal, Albufeira, Aveiro, Beja, Faro, Évora, and many others. They provide venues for training sessions.
• CCDR-LVTsecondaryStrategic or Co-development PartnerComissão de Coordenação e Desenvolvimento Regional de Lisboa e Vale do Tejo. Regional development authority partner.
• Crédito AgrícolasecondaryStrategic or Co-development PartnerAgricultural cooperative bank listed as partner.
• IAPMEIsecondaryStrategic or Co-development PartnerAgência para a Competitividade e Inovação. SME support agency partner.
• ANJEsecondaryStrategic or Co-development PartnerAssociação Nacional de Jovens Empresários. National association of young entrepreneurs partner.
• Turismo de PortugalStrategic or Co-development PartnerNational tourism board partner.
• GirlMove AcademyminorGTM or Marketing PartnerWorkshop delivered for GirlMovers interning at BPI, sharing project management and financial literacy best practices in the context of developing a training program in Mozambique.
• Nova SBE Community Engagement & Portfolio Management ClubsecondaryStrategic or Co-development PartnerPartner for 'Unlock to the Next Level' workshops for secondary school students on financial choices and healthy financial habits.

Scale indicators8 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• The Money Charity: UK-based financial education charity providing workshops, training, and resources to improve money management skills across age groups. Operates a similar free, workshop-based delivery model similar to FPT's Particulares program.
• MyBnk: UK-based charity delivering free financial education programs to young people and adults, with a research-informed approach and corporate/foundation funding. Comparable mission, target audience, and funding model to Finanças para Todos.
• Aflatoun International: Global non-profit offering social and financial education to children and young people, with a strong research and curriculum-development component. Comparable holistic, evidence-based approach to financial education for young demographics.
• Junior Achievement (JA) Worldwide: Global non-profit delivering financial literacy, work readiness, and entrepreneurship education programs to students and young adults. Comparable in mission, workshop-based delivery, and segment focus on students, with strong brand recognition.
• Young Enterprise: European non-profit delivering financial literacy and entrepreneurship education to young people through schools and community programs. Comparable mission, target audience, and workshop-based delivery model.

Broad incumbents

• FINRA Investor Education Foundation: US-based non-profit supporting research and education to promote investor protection and financial literacy. Comparable academic-adjacent, research-grounded approach to financial education, with broader scope and funding base.
• Money and Pensions Service (MaPS): UK government-backed body responsible for financial wellbeing, providing free money guidance and coordinating nationwide financial education campaigns. A broader incumbent with regulator-led mandate and larger scale than FPT.
• Banco de Portugal (financial literacy programs): Portuguese central bank running national financial literacy initiatives, including the Plano Nacional de Formação Financeira. A partner of FPT but also a broader incumbent with regulator-led mandate and nationwide reach.
• AMF (Autorité des Marchés Financiers) – financial education: French financial markets regulator with a substantial financial education program aimed at retail investors and the general public. Comparable in scope to FPT's investor education component, with broader regulator-backed mandate.

Regional players

• Instituto de Estudios Financieros (IEF): Spanish financial education institution providing training and certification programs to professionals and consumers. Operates in a similar Iberian context but with a more commercial, professional training focus than FPT's free adult education model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/finan%C3%A7as-para-todos

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds

Investors

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M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Finanças para Todos