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Manage your kid’s money with the ZAAP app

Life experience, teachers or parents – what really makes a difference when children are learning about managing money?


Families are key to money skills

Families are key to learning financial literacy, according to a 2018 survey of young people in 15 countries including Australia. Teenagers surveyed on their financial literacy showed that those who understood the value of saving were those who discussed money matters with their parents.


Having a bank account improved their financial knowledge as well.


Australian students are not amongst the world’s best in financial literacy. A global survey of young people in 15 countries including Australia reveals the gap.^


Talk to your kids about money

The results indicate the importance of talking about money with your children to help them with managing money in today’s increasingly digital world.


It’s never too early to start talking to children about money. Pocket money can be an early opportunity to start learning about money management and how to be smart with money.


Pocket money made easy with the ZAAP app

As well as the old-school notes and coins, there is now a leading-edge digital tool for kids and parents. The recently launched ZAAP app brings pocket money into the digital age giving children an opportunity to learn financial responsibility under the arm’s-length control of their parents.


Kids will feel independent and learn financial responsibility while parents stay in control of their spending and have the security knowing ZAAP is more secure than cash.


Design your own card with ZAAP

With ZAAP you can create your own personal design on the card and it comes with the authentication of global financial services brand Mastercard.  Or choose a wearable ZAAP wrist band for easy access and security. 


Families can be confident that their children are learning financial skills at a young age with ZAAP as an additional learning device.


Early learning of money skills

Even pre-schoolers can be introduced to money management as they watch their parents and caregivers using money in everyday situations.


Make it part of your everyday activities to help children understand how money is used, where it comes from, how it is earned and spent so when they are old enough to use money through pocket money, it is a part of everyday life.


Money lessons at the supermarket

Opportunities to talk to children about money at the supermarket:

  • Pricing, discounts, special offers, comparisons. Your regular shopping can provide a multitude of useful concepts to talk about money!
  • The range of payment options – talk about the one you are using at the checkout.
  • Self-serve checkout. Involve the children in this learning experience.  Get them involved and explain as you go with scanning the barcode, seeing the item appear on the screen and the payment process. If this is by card, it can be a talking point. If using cash, involve the child in putting in notes and receiving change from the machine and talk about the process.


From pocket money to paid work

Introducing children to the way money is used at the supermarket and other everyday financial transactions will help them upskill, using pocket money and family encouragement to become adept money managers once they have a part time job and their own weekly pay.



^The Programme for International Student Assessment (PISA) is a triennial survey in 15 OECD countries and economies. It assesses the readiness of 15-year-old students for life beyond compulsory education through test and questionnaire data about students’ knowledge, skills and the context in which they live and learn. Findings showed students' financial literacy was associated mainly with understanding the value of saving and discussing money matters with parents as well as exposure to and the use of financial products.  Find out more at http://www.oecd.org/pisa/PISA-2105-Financial-Literacy-Australia.pdf