Students in the 15–16 age group are generally able to work and have access to many financial products and services such as bank accounts and debit cards according to data from PISA 2012 and 2015.

OECD 2019, PISA 2021 Financial Literacy Analytical and Assessment Framework, Organisation for Economic Co-operation and Development, viewed 7 January 2023, <https://www.oecd.org/pisa/sitedocument/PISA-2021-Financial-Literacy-Framework.pdf>