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Description

To help Scouts understand how money is used online, including online shopping, games and apps, subscriptions, online banking, and cryptocurrency, and how to stay safe.

Resources

(none)

Instructions

INTRODUCTION (5 minutes)
Leader says:
“Today we’re learning about how money is used online. Even though you can’t always see money online, it is still real money.”
Ask hands-up questions about games, apps, and online shopping.

WAYS MONEY IS USED ONLINE (8 minutes)
Explain:
• Online shopping ? – buying items from websites
• Games and apps ? – skins, coins, extra lives
• Subscriptions ? – monthly payments
• Contactless payments ? – phones and watches
• Online banking ? – used by adults

CRYPTOCURRENCY (7 minutes)
Leader says:
“Cryptocurrency is digital money that only exists online. It is not controlled by banks and is very risky.”
Explain scams ?, fast-changing prices ?, and that it is not for children.

WEBSITE SAFETY (5 minutes)
Show examples of:
• Padlock ?
• https://
• Correct spelling
Explain where these appear on phones and computers.

REAL OR RISKY GAME (8 minutes)
Split Scouts into small groups.
Read scenario cards and ask groups to decide: Safe ✅, Risky ⚠️ or Unsure ❓.
Discuss answers.

WRAP-UP & SAFETY CODE (5 minutes)
Create the Scout Online Money Code:
Ask before spending ?
Protect passwords ?
Tell an adult ?️

Confirm Requirement 1 is complete.
Leader Risk Assessment (Embedded Copy)
Activity: Money Skills Badge – How Money Is Used Online

Potential Risks and Controls:

1. Discussion of scams causes worry
• Control: Use calm, age-appropriate language and reassure Scouts that adults can help.

2. Scouts sharing personal or family financial information
• Control: Clearly state that no passwords, card details, or private information should be shared.

3. Cryptocurrency misunderstood as encouragement
• Control: Repeatedly state that cryptocurrency is high risk and not for children.

4. False belief that padlock means completely safe
• Control: Explain padlocks help but do not guarantee safety.

Safeguarding Notes:
• Follow UK Scouts safeguarding policy
• Encourage Scouts to speak to a trusted adult
• No real spending or internet access is required during this session

Tags

(none)

Badge Links

• Money Skills - Money Online