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Survey of Financial Competences


The Survey of Financial Competences (ECF by its Spanish name) is an initiative of the Banco de España included in the National Statistics Plan. Its second edition, in 2021, follows the objectives of the first edition, held in 2016. It is used to measure the level of financial knowledge of the adult population in Spain and provides data for each of the autonomous communities.

The study benefits from the cooperation of the National Statistics Institute, which has drawn up a large sample of randomly selected individuals, representative of the entire Spanish territory and of each of its regions (comunidades autónomas).

By means of personal interviews, information is collected both on the financial knowledge of the person chosen at random to reply to the interview and on the knowledge available in the interviewee's household.

The ECF is part of an international project coordinated by the International Financial Education Network of the OECD. This allows for comparison of the financial competences of the Spanish population with those of a large group of countries.


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