Banking: US 28097

This resource helps teachers deliver the Financial Capability Unit Standard 28097 ‘Analyse and select banking products and services in relation to personal finances’ (Level 2, 3 Credits). Students will learn about banking products and services, and the different ways of accessing them securely for personal financial needs.

All the financial capability standards have changed, we will be updating them over the coming months. The old versions are valid for assessment until the end of 2022

Curriculum links

Financial Capability is a core generic domain on the New Zealand Qualifications Framework. This unit of work also has links to the Social Sciences and Mathematics and Statistics learning areas.


Click here for an Interactive Financial Capability US Matrix

Banking: US 28097

  • Year 11-13
  • 25-30 hrs
  • Mathematics and Statistics
    Social Sciences
    Level 2 Financial Capability Unit Standard
  • Free to NZ schools
  • Led by teachers
    Training Available
Download overview

Students taking part will

  • Investigate banks and their fees 
  • Investigate and compare online banking services 
  • Understand different ways to access banks and balances 
  • Learn how to use a cheque 
  • Compare various types of accounts 
  • Learn about and compare loans and mortgage rates 
  • Compare credit and debit cards 
  • Learn about safety and security with banking services 
  • Complete a practice assessment


For access to the marking guidelines and Student Assessment for this Unit Standard, please contact us via email at:


Download includes:

  • Using Financial Capability Unit Standards
  • Activity: 28097 Interactive Student Workbook
  • Helpful information