{"id":4853,"date":"2025-10-29T17:23:43","date_gmt":"2025-10-29T15:23:43","guid":{"rendered":"https:\/\/www.fbf.fr\/en\/?p=4853"},"modified":"2026-03-10T15:41:50","modified_gmt":"2026-03-10T13:41:50","slug":"the-les-cles-de-la-banque-program","status":"publish","type":"post","link":"https:\/\/fbf.fr\/en\/the-les-cles-de-la-banque-program\/","title":{"rendered":"The \u201cLes cl\u00e9s de la banque\u201d Program"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>For nearly 25 years, the French Banking Federation (FBF) has been running its financial and budgeting education program, \u201cLes cl\u00e9s de la banque\u201d (\u201cThe Keys to Banking\u201d), to help everyone \u2014 individuals, entrepreneurs, and social professionals \u2014 better understand the world of banking through clear, simple, and educational explanations about money and financial services.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>This program offers, among other resources, the website <a href=\"http:\/\/www.lesclesdelabanque.com\" target=\"_blank\" rel=\"noreferrer noopener\">www.lesclesdelabanque.com<\/a>, a collection of 80 mini-guides and as many videos, 60 sample letters to simplify administrative procedures, 20 accounting templates, educational kits, awareness sessions, and multiple partnerships.<br>The program is completely free of charge and contains no commercial or branded content.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Informing the General Public<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The Les cl\u00e9s de la banque program provides practical information about everyday banking to help people better understand credit solutions, savings products, project planning, budgeting, and the safe use of different payment methods.<br>It supports individuals throughout major life stages \u2014 marriage, first home purchase, raising children, retirement, and more.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Managing Your Budget: An App to Understand and Improve Your Finances<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Co-created by ten organizations from the public, private, and nonprofit sectors, this app helps users anticipate their expenses throughout the year. It allows them to review their budgets and calculate their remaining disposable income on a monthly and weekly basis.<br>Anonymous, confidential, and free, it is not connected to users\u2019 bank accounts.<br>\u27a1\ufe0f Download PiloteBudget <a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.theschoolab.pilotebudget\" target=\"_blank\" rel=\"noreferrer noopener\">on Google Play<\/a> or the <a href=\"https:\/\/apps.apple.com\/fr\/app\/pilote-budget\/id1335367675\" target=\"_blank\" rel=\"noreferrer noopener\">App Store<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Pilote D\u00e9penses: An App to Track Daily Expenses<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">This app is designed to help households facing financial difficulties or a sudden drop in income manage their spending more effectively.<br>Also anonymous, confidential, and free, it was co-developed by about ten public and private stakeholders involved in financial inclusion and social support.<br>\u27a1\ufe0f Download Pilote D\u00e9penses <a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.pilotedepenses\" target=\"_blank\" rel=\"noreferrer noopener\">on Google Play<\/a> or the <a href=\"https:\/\/apps.apple.com\/fr\/app\/pilote-d%C3%A9penses\/id1539944350\" target=\"_blank\" rel=\"noreferrer noopener\">App Store<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Informing Entrepreneurs<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The Les cl\u00e9s de la banque program also provides entrepreneurs \u2014 such as craftspeople, shop owners, and self-employed professionals \u2014 with resources to help them launch and manage their businesses, handle cash flow, and communicate effectively with their banks.<br>It covers topics such as business creation, cash management, and financing options.<br><a href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/\" target=\"_blank\" rel=\"noreferrer noopener\">More resources are available on Les cl\u00e9s de la banque \u2013 Entreprises<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Supporting Social Professionals<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Les cl\u00e9s de la banque has built over 40 long-term partnerships with social support organizations \u2014 such as Municipal Social Action Centers (CCAS), Departmental Councils, and Second Chance Schools \u2014 to assist professionals working with vulnerable populations.<br>These partners benefit from awareness sessions and access to tools provided by regional FBF committees.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">On the website <a href=\"http:\/\/www.lesclesdelabanque.com\/particulier\" target=\"_blank\" rel=\"noreferrer noopener\">lesclesdelabanque.com\/particulier<\/a>, they can also access a library of educational materials and kits to help explain how banking mechanisms work.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Raising Awareness Among Young People<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Les cl\u00e9s de la banque offers educational materials and workshops for young people, either through teachers (as part of economics and management lessons) or directly in classrooms through visits from volunteer bankers.<br>This initiative, called \u201c<a href=\"https:\/\/unbanquierdansmaclasse.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">I Invite a Banker to My Class<\/a>\u201d takes place during European Money Week.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Engaging Consumer Associations<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The Les cl\u00e9s de la banque program also supports awareness activities organized through partnerships between Regional Banking Committees and Regional Consumer Technical Centers (CTRCs).<br>These centers provide training for dozens of member consumer associations in their regions, and distribute sets of mini-guides to help them in their consumer outreach activities.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>For nearly 25 years, the French Banking Federation (FBF) has been running its financial and budgeting education program, \u201cLes cl\u00e9s de la banque\u201d (\u201cThe Keys to Banking\u201d), to help everyone \u2014 individuals, entrepreneurs, and social professionals \u2014 better understand the world of banking through clear, simple, and educational explanations about money and financial services. This [&hellip;]<\/p>\n","protected":false},"author":36,"featured_media":4855,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","views":1475,"viewed_at":"1778485188"},"categories":[2,24,685,4,13,693],"tags":[686],"class_list":["post-4853","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-rubric-about-us","category-financial-education","category-key-words","category-rubric-newsroom","category-overview","category-priorities-and-actions","tag-financial-education"],"yoast_head":"<title>The \u201cLes cl\u00e9s de la banque\u201d Program - Priorities and actions - The French Banking Federation (FBF)<\/title>\n<meta name=\"description\" content=\"For nearly 25 years, the French Banking Federation (FBF) has been running its financial and budgeting education program, \u201cLes cl\u00e9s de la banque\u201d (\u201cThe Keys to Banking\u201d), to help everyone \u2014 individuals, entrepreneurs, and social professionals \u2014 better understand the world of banking through clear, simple, and educational explanations about money and financial services.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fbf.fr\/en\/the-les-cles-de-la-banque-program\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The \u201cLes cl\u00e9s de la banque\u201d Program - 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