Money Twist KS3

A directly delivered financial education programme aimed at 11-14 year olds in secondary schools


Independently Assessed


3 x 100 min sessions – Can be delivered over 2-3 separate sessions

Target Group

11-14 year olds

Group Size

12-30 young people

Information Sheet PDF



A highly interactive financial education programme building young people’s knowledge around basic finance and helping them engage with money.

Money Twist involves writing, presenting, drawing, maths and problem-solving.

Sessions cover:

  • Session 1: The functions of money, understanding their relationship with money and the impact that advertising, peer and media pressure, and shopping deals can have. Alongside comparing costs and benefits of a range of goods and services.
  • Session 2: Exploring the cost of living, wages and income to learn budgeting skills, differentiating needs from wants and making financial decisions based on their circumstances.
  • Session 3: Making good money decisions based on current and savings accounts, interest, flow of money, understanding bank statements, overdrafts and the future of money.

See how this programme maps into the National Curriculum and references the UK’s Financial Education Planning Framework for teachers. An online version is also available.

Money Twist engages pupils to discuss, present, problem-solve and apply maths. We use real life case studies, ‘escape room’ style games, and videos, enabling them to understand habits, motivations and how to manage their relationship with money.

Activities cater for a variety of learning styles, with extensions and ability variations. The content maps into the financial literacy parts of the Citizenship, Maths and PSHE curriculum. It is ideal for financial capability focus days, enterprise weeks, or can be built into a scheme of work over a number of weeks.

Multiple sessions can be run simultaneously to allow several classes to take part at once.

Money Twist has been evaluated and proven by The Money Advice Service’s Evidence Hub. This programme also won Children & Young People Now’s Financial Capability Award 2010!

MyBnk Cancellation Policy: Cancellations and changes made to scheduled deliveries incur costs to MyBnk. Any changes made less than two weeks in advance will result in a £100 or, if less than three working days, £250 charge per MyBnk trainer. Full Terms & Conditions here.

Case Studies

From opening a first bank account and trading in real markets, to moving out of care and into independent living, MyBnk’s financial education workshops pack a BIG punch!

"It makes maths real!" Improving teens numeracy skills by understanding investment

“My Mind Has Been Blown!" - Shannon, 8, opens her first bank account and starts her savings journey

"Learning to live independently taught me I had worth" Leaving care and dodging bankruptcy

Impact After This Programme


Teachers who thought MyBnk training was more effective than the training delivered by school staff


Pupils who have not made a financial plan that now would


Pupil’s shift towards moderating extreme spending and savings habits

"Never confuse the size of your paycheck with the size of your talent".

Laura Mattson

Quality & Training Manager

"If money go before, all ways do lie open" (Shakespeare)

Emily Weldin

Education Officer

"If you want to feel rich, just count the things you have that money can't buy."

Rammiza Akhtar

Education Officer

"There are people who have money and people who are rich". [Coco Chanel]

Wendy Grace

Education Delivery Manager

“Don’t just make money, make a difference”.

Sarah Kirby

Regional Education Officer - North West

"Better spend an extra hundred or two on your son's education, than leave it him in your will." ~ The Mill on the Floss by George Eliot

Gemma Orr

Regional Partnership Manager Scotland

"The more you LEARN the more you EARN".

Laura Ellis

Regional Delivery Manager South

"If money is the sea, learn to ride the waves".

Jade Jennings

Partnership Manager

“Money is numbers and numbers never end. If it takes money to be happy, your search for happiness will never end.” Bob Marley

Lisa Brown

Programme Coordinator

“The best things in life are free".

Linda De Abreu

Finance & HR Officer