BNB4UR package • Group: 18–30 years • 180 minutes • 15–20 people • Language: English • Format: in-person
Knowledge: understands the role of a personal account and basic fees; understands differences between payment types (card/transfer/BLIK/standing order/direct debit); knows concepts such as APR, creditworthiness, collateral, limit, arrears, and understands the importance of an emergency fund and data protection.
Skills: completes checklist F2, performs a mock transfer (F3), sets limits and security measures (F4), plans a 30‑day budget (F5) and a 90‑day goal (F6), goes through the F7 decision tree and completes the complaint procedure (F8).
Attitudes: security and caution, avoiding impulsive commitments, consistency in saving.
Objective: work safely with financial topics.
Instructions: present the goals/outputs; rules: no real account/card data; voluntary participation, confidentiality, right to pause; in case of fraud, contact your bank immediately (bridge to scenario 15).
Objective: ground needs in reality.
Instructions: everyone writes 3 priorities (e.g., “stable account”, “cheap transfers”, “buffer = 3× rent”). In pairs, compare and write the 5 most common on the flipchart.
Objective: prepare documents and choose consciously.
Materials: F2 (checklist), F1 (map).
Instructions:
Documents (examples): identity document, identification number (e.g., PESEL/other), document confirming residence/benefits entitlement—check with the bank; phone number/e‑mail.
Fees and limits: card/debit, ATM withdrawals, instant transfers, currency exchange; set limits (daily BLIK/card/transfers).
Online banking: strong authentication, SMS/push notifications, never share codes/files; log in only by typing the address or using the app (not via links).
Exercise (10 min): in groups of three, complete F2 for “Bank X” (fictional fields) and write 3 questions for the advisor.
Success criteria: F2 completed + 3 questions for the bank.
Objective: pay correctly and safely.
Materials: F3 (transfer mock‑up), F4 (BLIK safety), screen mock‑ups.
Instructions:
Domestic transfer: Polish IBAN (26 digits), recipient, reference (specific), amount, date; save trusted recipients; “instant transfer” vs standard; save PDF confirmation for your records.
BLIK: in‑store payment, transfer to phone, BLIK voucher; never share codes via phone/messenger; transaction limits; approve requests only after you open the app yourself.
Exercise (15 min): pairs A/B: A completes F3 (2 tasks: rent and a “to phone” transfer), B uses F4 as a safety checklist. Switch roles.
Success criteria: 2 correct transfers (mock‑up) + risks discussed.
Objective: create a simple spending plan and start saving.
Materials: F5 (50/30/20 sheet + envelopes), F6 (90‑day goal), F1.
Instructions:
50/30/20 rule (example): 50% needs (rent, basic food, tickets), 30% “wants” (entertainment/clothes), 20% savings/debt; adapt to your situation.
“Envelope” method: 5–7 envelopes (rent/utilities/food/transport/phone/education/other).
90‑day goal (F6): e.g., buffer = 1× rent: amount → split into weeks → where I keep it (savings account/cash box—your choice) → saving triggers (standing order on day X).
Exercise (15 min): complete F5 based on your (fictional) amounts + write 1 automatic step (standing order) and 1 habit (e.g., a shopping list).
Success criteria: F5 + F6 completed, including the goal amount and the review date.
Objective: understand costs and the risk of debt.
Materials: F7 (tree).
Instructions:
Key terms: APR (total cost), interest rate, fees, insurance, arrears and consequences, card limit vs overdraft; BIK (credit history).
BNPL (buy now, pay later): convenience vs risk of impulse purchases, late fees, debt collection; multiple BNPLs at once = hidden credit.
Rule of 3 questions: (1) do I really need it? (2) can I afford it (test: installment ≤ X% of real income)? (3) what if my income drops?
Exercise (10 min): in groups of three, go through F7 for 2 cases (buying a laptop; apartment deposit) and write a decision YES/NOT YET + conditions (e.g., “I save 60% first, pay the rest in installments”).
Success criteria: F7 completed with a realistic decision.
Objective: know what to do in case of errors/fraud.
Materials: F8 (procedure), bridge to scenario 15.
Instructions:
Suspicious transaction: immediately block the card/BLIK, call the bank, change your password, check your devices; file a complaint and report it via the appropriate services/portals (without institution-specific details).
Mistaken transfer: contact the bank; submit a request to recover the funds; monitor the bank’s messages.
Archiving finances: statements/confirmations in monthly folders; never send document scans via messengers.
Exercise (6 min): individually complete F8 for the case “I clicked a fake link—what do I do in 60 minutes?”.
Success criteria: completed F8 procedure.
Objective: close and implement.
Instructions: POST (3 questions). On F9, write 3 steps for the next 30 days (e.g., “I will set limits and notifications”, “I will set up budget envelopes”, “I will make a shopping list and use the BNPL 3‑question test”).
Simple language (A2–B2), pictograms on sheets; lots of mock‑ups instead of theory.
Data safety: no real account numbers/codes; take photos only of your own sheets.
Cultural inclusion: don’t assume prior knowledge of banking in Poland; explain abbreviations.
Bridges: scenario 14 (budget), 15 (cyber), 18 (B2B—invoices/payments), 19 (consumer payment disputes), 24 (rental—settlements).
Language barrier: PL↔UA glossary on F1–F4; mixed-language pairs; slower pace and pictograms.
Small group (≤10): more 1:1 work on budgets; an extra round of transfer mock‑ups.
Less time (120 min): M1 20 min, M2 25 min, M3 25 min, M4 25 min, M5 15 min; F9 as homework.
More time (+30 min): add the module “account comparison” (selection criteria) and “currency/exchange online” (safe practices).
On sheets: the “Mosty Nadziei” logo, EU flag + “Co-funded by the European Union”, Erasmus+ logo; partners (KIS, Asociația Se Poate).
Space for the project number and the information clause.
Before: printouts F1–F9, F‑R; screen mock‑ups; budget envelopes; Mentimeter; timer.
After: photos of outputs (no data), saved Mentimeter results, list of 30‑day plans for follow‑up.
“I know how to open and secure an account and make a transfer/BLIK.”
“I can set up a 30‑day budget and a 90‑day savings goal.”
“I understand the risks of credit/BNPL and know the steps to dispute a transaction.”
Mentimeter PRE/POST — 3 questions (section 4).
Outputs: F2–F9 (photo/scan).
F‑R rubric (0–2 pts per criterion, max 10):
F2 — readiness to open an account,
F3–F4 — correct payments and security,
F5–F6 — budget plan and 90‑day goal,
F7 — credit/BNPL decision,
F8 — complaint procedure.
Interpretation: 0–3 beginner; 4–7 solid; 8–10 ready to act.
| Date | Description | Category | Amount | Balance | To verify |
|---|---|---|---|---|---|
Co-Funded by the European Union. Views and opinions expressed are however those of the author(s) only and do not necessarily reflect those of the European Union or the Foundation for the Development of the Education System (FRSE). Neither the European Union nor FRSE can be held responsible for them.