Start-Smart Financial Education

by Commonwealth Bank


A Global Compact member


Start Smart teaches students about money matters, empowering them to make wise financial decisions.

Project implemented: 2007

Project goal

Through our financial education programs we help build money management capabilities and long-term financial wellbeing.

delivering on

why is this project important?

As the world’s largest program of its kind, 550,000 students from 1 in 5 Australian schools participate in Start Smart yearly.

Key steps to make it happen


In-depth research recommends that financial education starts as early as possible and is taught in schools.


We consulted with financial education experts and specialists in education, cognitive development and instructional design.


Both the Primary and Secondary programs are mapped to the school curricula in each State and territory.


Our national team of outstanding facilitators go into classrooms and deliver accessible, motivating and inspiring content.


The program is free and available to all schools across Australia.


We capture feedback from both students and teachers to ensure the content is relevant and has the intended long-term impact.

impact to date

2.5 Million
Students taught since 2007.
Of students agreed they felt more confident about managing money after participating in the Start Smart programs.
Of teachers would not commit to teaching financial literacy in classrooms without Start Smart.
Of teachers stated that their students’ knowledge of money was higher or much higher than before the workshops.

Start Smart is an award-winning financial education program offered free to school students across Australia to help them prepare for their future. Conducted by world-class facilitators, the interactive, educational workshops are designed to motivate and inspire students and give them the confidence and skills to make smart decisions about money.

related projects

Global goals for local communities by Water Services Association of Australia (WSAA)
5000 Meals Program by Prepare Produce Provide
Financial Inclusion Action Plan by Good Shepherd Microfinance
Willing to Work by Australian Human rights Commission
Green Star by Green Building Council of Australia
Wanzauni Livelihoods Improvement Project by Anglican Board of Mission
Economic independence on traditional land by Indigenous Business Australia
English Language Learning for Indigenous Children by Australian Government Department of Education and Training
The Individual Deprivation Measure Global Program by Individual Deprivation Measure
Anti-Racism: It Stops with me campaign by Australian Human Rights Commission
Green Star – Communities by Green Building Council of Australia
We’re all in this Together by Healthy Cities Illawarra (HCI) and University of Wollongong (UOW)
Strong Women. Strong Business by Indigenous Business Australia
Spatial data infrastructure to help monitor and evaluate Aus... by AURIN – Australian Urban Research Infrastructure Network
SDG National Forum by Fatouma TOURE
It’s Our Place – Bellambi by Australian Social Investment Trust
creating the capacity for people to invest space with meanin... by Place Agency at the University of Melbourne
Economic empowerment for women in Tanzania by Australian Volunteers program
SDG Toolkit for Systems Thinking and Collaborative Approache... by Australian Council for International Development
Barangaroo South by Lendlease
Young Farming Champions by Picture You in Agriculture
Transforming Australia: SDG Progress Report by National Sustainable Development Council
Circular Economy Design Sprint by The Common Purpose Collective
Achieving gender balance in water utilities by Water Services Association of Australia (WSAA)
Inclusion Support Programme (ISP) by Australian Government Department of Education and Training
Vision Initiative by Vision 2020 Australia
Feeding the Performance of Regional Communities by International Convention Centre Sydney
Skills for Education and Employment (SEE) Program by Department of Education and Training
Thriving Communities Partnership by Thriving Communities Partnership
Northconnex by Transurban
Addressing the social determinants of injury by The George Institute for Global Health
Sustainable Fashion by Restyle Closet
Get the experience and training you need to find a job by Department of Jobs and Small Business
Day At The Zoo by City West Water
Cooling the planet to feed the World by PundaZoie Company Pty. Ltd.
Fighting hunger in australia by Foodbank Australia
ANZ SDG Bond by Australia New Zealand Banking Group Ltd (ANZ)
Building & Protecting Mental Health by Growing With Gratitude
ChildFund Pass It Back by ChildFund Australia
Adult literacy schools in PNG by Anglican Board of Mission
ICT for Social Impact Project in India by Swinburne Business School
ChildFund Easy2Learn by ChildFund Australia
Promoting the Advancement of Women Everywhere by Konica Minolta Business Solutions Australia Pty Ltd
Business & Sustainability Forum Series by United Nations Association of Australia (WA)
Pathways to Politics Program for Women by University of Melbourne
My Blue Sky by Anti-Slavery Australia
Fair food farm by Green Connect
Delivering sustainable development through infrastructure by Infrastructure Sustainability Council of Australia (ISCA)
Women in MBA (WiMBA) by Sydney Business School, University of Wollongong
Kwale Cotton Project by Business for Development

Does your organisation have a project to include?