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Level 3 · ages 13–15OECD MTSave

Banks & savings accounts

🎯 Goal: Understand a savings account keeps money safe and earns interest; know a parent helps open it when underage.
A bank savings account keeps money safer than at home and pays interest. Minors need a parent to open it.

Let’s explore

🏦
Money in a savings account: safe, earns interest regularly.
📑
Opening needs ID; for minors, a parent opens it for you.
📲
You can track the balance in an app, but keep the password secure.

Practice activity

💬 Ask your parents: how did we open a savings account and what is the rate?
Worked example: You ask Mom about the savings account. She explains: deposit 2M, 5%/year; money is safe at the bank and after a year gains 100,000d interest.

Quick quiz

1. A savings account helps?
→ Keep money safe and earn interest
2. How does a minor open an account?
→ A parent opens it for them
3. Deposit 2M, 5%/year, 1-year interest?
→ 100,000d
4. Tracking the balance in an app needs?
→ Keeping the password secure
5. Money at a bank vs at home?
→ Safer

🎯 Real-life mission

Ask a parent about savings accounts and how to open a bank account.
Open the interactive app →

Using an ATM/debit card right ›

Rùa Vàng — Financial education for Vietnamese children · Aligned with OECD/INFE
Free for non-profit education (CC BY-NC 4.0). Not affiliated with OECD.
© 2026 Dong Nguyen · dong@dong.vc