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Over 20 million of us can’t manage our money. 11.5 million have less than £100 in savings, and nearly nine million of us are in serious debt.

Financial capability - who is it for?

This website is for employers, charities, financial services, researchers, schools, local authorities and anyone looking to help people manage money. The Money and Pensions Service is the anchor organisation for the Financial Capability Strategy for the UK. Set up by government, we work in partnership with organisations to help everyone make the most of their money and pensions.

Talk Money, Talk Pensions Week 2019

Talk Money, Talk Pensions Week on 18-22 November 2019 marks an annual celebration of the work thousands of organisations are doing to help people manage their money and pensions and build financial wellbeing.

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Financial capability in action

How well do UK adults manage money?

5,974 people took part in The 2018 Financial Capability Survey to create a nationally representative picture of how we manage money - both day-to-day and through significant life events.

Learn more

How retail banking can improve financial capability

Much is being done by financial services to help customers build financial wellbeing, and there’s more to do. The latest Money and Pensions Service report shares good practice and recommendations.

Download report

What works: approaches that build financial capability

We bring together the findings from 65 projects to share what works when delivering financial capability interventions for children and young people through to people in retirement.

Download report

The Strategy across the UK

As well as the UK Strategy, there are strategies for Northern Ireland, Scotland and Wales.

Life stages across the UK

Latest News

  • Thursday 26 September 2019

    Four ways we're responding to your debt advice funding feedback

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  • Friday 2 August 2019

    Developing financial rules of thumb: MAS responds to the Financial Advice Market Review

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  • Monday 15 July 2019

    Invitations to Tender: closing 9 and 15 August 2019

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