Andorra to Introduce Financial Education in Schools During 2026–2027 Academic Year

The Andorran Government plans to gradually introduce financial education in schools during the 2026–2027 academic year, helping students develop practical skills in money management, saving, investing and responsible borrowing.

The initiative will be implemented across Andorra's three education systems — Andorran, French and Spanish, according to Minister of Institutional Relations, Education and Universities Ladislau Baró.

The minister confirmed the plans in a written parliamentary response to questions submitted by Noemí Amador, a member of parliament representing Andorra Endavant.

The programme aims to equip young people with essential financial knowledge to make informed decisions about their personal finances, from managing everyday expenses to understanding banking products and credit.

Students Will Learn About Saving, Investing and Managing Debt

The financial education programme will cover personal budgeting, income and expenditure management, savings, banking services, interest rates and credit.

Students will also learn about responsible borrowing, the risks of excessive debt, investments, the relationship between risk and return, taxation, insurance and entrepreneurship.

The curriculum will address financial challenges commonly faced by young people, including digital payments, fraud prevention and the influence of advertising and social media on spending habits.

Housing-related expenses and long-term financial planning will also form part of the programme.

The Government intends to use a practical teaching approach, allowing students to create budgets, compare financial options and interpret financial information before making economic decisions.

Five Financial Education Workshops Planned for Schools

Andorra's Ministry of Education is working with the Institut d'Estudis Financers (IEF) to develop five complementary workshops for schools across all three education systems.

The initiative will initially target fourth-year secondary school students or equivalent levels, who will attend three sessions, and first-year upper secondary students, who will participate in two additional workshops.

The five workshops will cover:

• Managing Your Money: Understanding income, expenses and personal budgets.

• Borrowing Responsibly: Learning how credit works and how to avoid excessive debt.

• Smart and Sustainable Investing: Exploring savings, investment principles and financial risk.

• Finance for Life: Planning financial decisions at different stages of life.

• Understanding Insurance: Learning how insurance works and why it matters.

Training for the volunteer professionals who will deliver the sessions is scheduled for November and December 2026, while individual schools will determine the dates of their workshops.

Andorran Schools Prepare 26 Practical Financial Activities

Alongside the workshops, the Ministry of Education has already developed a financial education framework for the Andorran school system, defining learning objectives from primary education through upper secondary school.

A dedicated secondary education guide includes 26 practical activities designed to be incorporated into subjects such as mathematics, social sciences, technology and languages.

Implementation documents for primary and upper secondary education are expected to be completed during November.

This approach will allow financial literacy to be integrated into existing school subjects rather than taught exclusively as a separate course.

Financial Sector Professionals to Support the Programme

The Government has worked with professionals associated with the Andorran Economists' Association, the Retirement Reserve Fund, the Andorran Financial Authority (AFA) and Andorran Banking, alongside specialists in auditing and education.

The Ministry is also encouraging the participation of banks operating in the Principality.

Workshops will be delivered by trained volunteer professionals, with classroom teachers present throughout the sessions.

The programme has been designed as a complementary educational initiative, adapted to the organisation and curricula of each participating school.

Through this initiative, Andorra aims to strengthen financial literacy among young people and prepare them for important economic decisions, including managing their first income, taking out loans and understanding housing costs.