Children learn by doing.
Progress Penguin teaches children about money. They then put those lessons into practice by earning, receiving, saving, spending and giving money in a parent-managed family bank.
Parents guide every decision. Schools can reinforce progress by recognising effort, achievement and positive behaviour.
My family bank
Ada's account
Available balance
₦18,450
Parents keep the real money · Progress Penguin keeps the records
Task payment deposited
Room tidy-up approved
Savings interest paid
Parent reward for saving
Withdrawal requested
Awaiting parent approval
Learn. Practise. Build lasting habits.
Age-appropriate lessons teach earning, saving, spending, giving, budgeting, interest and other practical money skills.
Parents record deposits, approve withdrawals, pay allowances and interest, and keep the actual family funds.
Children use what they have learnt when they receive money, request withdrawals, save, spend, give or work towards a goal.
Parent guidance, responsibilities at home and recognition at school reinforce good decisions and positive behaviour.
Progress Penguin is not a licensed bank and never holds family funds. Parents physically keep the real money and act as the family banker. Progress Penguin provides the child-friendly accounts, transaction records, approvals and learning experience.