A BVH Education Programme
Financial literacy from the ground up
A non-profit foundational programme that strengthens the financial literacy of young people in Germany and so promotes equal opportunity. Independent and ready to use immediately.
Strong financial literacy is the best consumer protection.
- over-indebted people in Germany, with the sharpest rise among those under 30 Source: SchuldnerAtlas Deutschland 2025, Creditreform
- 5.67 million
- of 16- to 25-year-olds want money and finance to be covered thoroughly at school Source: SCHUFA Youth Financial Monitor 2026
- 92 %
- Ready-made modules of approx. 45 min. incl. handbook
- 8 units
Partners and funders
How would you like to use StartKapital?
Schools and teachers
Download the material for free and teach it yourself or invite volunteers to your school.
Go to the materialPartners and funders
Independent financial education needs support. Here is how you can back StartKapital.
Meet our partners and fundersGet involved
As a volunteer, a student investment club or a teacher: get in touch and we will get back to you.
Go to Get involvedA curriculum, not just a slide deck
The modules cover the money decisions young people face first, from pocket money to retirement planning. Every session comes with slides including speaker notes, a minute-by-minute schedule in the handbook, a glossary, quiz questions and game rounds. A session takes approx. 45 minutes.
Why it works
Independent
StartKapital does not recommend banks, ETFs or insurers and sells nothing.
Ready to use
Slides, handbook and schedule are ready. Whoever teaches does not have to create anything.
Engaging
Quiz questions, game rounds and everyday calculation examples get the class talking.
Equitable
At school, financial education reaches everyone, even if nobody talks about money at home.
Necessary
No German state has its own compulsory subject in financial literacy.
Who StartKapital is made for
Schools and vocational schools
Ready-made lesson units for project days, clubs and regular classes.
Universities
Basics for students of all subjects, for example in orientation week or as an open offer.
Clubs and multipliers
Ready-made material for everyone who passes on financial knowledge.
Educational institutions
Flexible enough for youth work, adult education centres and transition programmes.
Two programmes, one shared path
StartKapital lays the foundation. Anyone who wants to go deeper can later build on the BVH Stock Market Licence.
StartKapital
The foundation · Modules 1 to 8
- Open to everyone: schools, vocational schools, universities, clubs
- Free, no club membership required
- No prior knowledge needed
BVH Stock Market Licence
The next step
- Existing introductory seminar for BVH club members
- Run locally by the investment clubs at universities
- A deeper next step after StartKapital
About us
StartKapital is an education programme of the Bundesverband der Börsenvereine an deutschen Hochschulen (BVH) e.V. A volunteer team brings independent financial education into schools.
Contact
Questions, feedback or a cooperation enquiry? Write to us at startkapital@bvh.org or use the contact form.