FLO Scotland

Information and resources to support financial capability

Guidance, resources and sharing practice examples for practitioners involved in supporting people aged 16 plus to become more financially capable.

What is financial capability?

How financial capability supports adults to develop the skills, knowledge and understanding they need to be able to manage their money effectively.

Policy and guidance

Find out more about financial learning policy and strategy in Scotland, which aims to increase people's access to appropriate financial products and services.

About FLO Scotland

We provide support to people involved in setting up and running financial learning projects for adults in Scotland.

Support materials

  • Case studies

    Find case studies from across Scotland, showing how different organisations have planned and delivered financial learning support to adult learners in a variety of settings.

  • Resources

    Find online learning and teaching resources to use with adult learners to help develop financial capability skills.

Online community

  • Connect: Communities of Practice

    Scotland’s forum for those supporting adults and young people to improve their financial capability.

    Sign up to get access to the online community, and receive email updates on financial capability.

Latest resources

  • Resource Starter Kit

    Useful and accessible resources aimed at those just starting to deliver financial capability to adults and young people.

  • Bank statement game

    This activity aims to improve financial literacy by developing learners' understanding of the interpretation of bank statements.

Visit The Money Advice Service healthcheck website

Free face-to-face money advice

  • Money Advice Service

    Citizens Advice Scotland’s trained money advisers can help you manage your money day to day and plan for monthly outgoings.