Circle Alliance Bank

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Online Safety


Moneysmart is an initiative of the Australian Securities and Investments Commission. At CIRCLE we believe in the financial education and advancement of our members and encourage you to click on the Moneysmart button below which will take you directly to the Moneysmart website.

Who is this site for?

MoneySmart is for all Australians - young or old, rich or poor, investing or paying off debt. It offers free, independent guidance so you can make the best choices for your money. It is not selling you anything. And when life puts your finances under stress, MoneySmart is here to help you ride the storm. It has smart tips on dealing with the ups and downs of life: losing your job, having a baby, divorce or separation, buying a homelosing your partner and many more.

The MoneySmart team

MoneySmart is put together by an experienced team of financial planners and consumer educators. Some team members have been involved in financial services for over 20 years. They have seen where things can go wrong and can help you avoid potential disasters. They see things from your point of view. Their team includes young guns under the age of 30 and old hands over 50. They have first home buyers, mums with young kids, experienced DIY investors and people who are successfully planning their retirement. They add to your knowledge by consulting a wide range of external experts in industry, government and the community. They also use consumer research to guide their information.

How they work

MoneySmart website helps ordinary Australians take steps to improve their personal finances. They provide you with independent information so you can be better informed in making decisions. They help you take action on matters that will make a difference to your life. However, you should consider getting financial advice before you make major financial decisions.  They regularly review and update their content, and welcome you to contact them if you have any comments. They publish research into the effectiveness of the MoneySmart website. They also have information available about their advertising campaigns, such as the 'Get MoneySmart' campaign. You can also read what users say about the MoneySmart website.

Their history

ASIC has been active in financial literacy for many years. ASIC's previous consumer websites were FIDO and Understanding Money. FIDO was a great source of financial information for almost a decade. Understanding Money was an innovative website for almost 5 years, with simple steps and basic calculators to help people sort out their money. These websites were replaced by MoneySmart in March 2011.  Since July 2008, ASIC has been the government agency with overall responsibility for financial literacy. The MoneySmart website is one of the key initiatives in the National Financial Literacy Strategy. ASIC also has a website for teachers and educators MoneySmart Teaching. It provides professional learning and other resources to help educators integrate consumer and financial literacy into teaching and learning programs.  

ASIC's other roles

This website is quite separate from ASIC's other roles. ASIC is also the corporate, markets and financial services and consumer credit regulator. For more information about ASIC's role as a regulator, go to the ASIC website. ASIC's regulatory role includes helping consumers and investors protect themselves against unfair or illegal conduct in financial services and consumer credit. Visit our how to complain webpage for information on banking, credit or investment complaints. Click here to visit the Moneysmart website.

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