
The digital money maze
You’ll need
- String
- Something to attach the string to (such as cones, poles or trees)
- Blindfold or neckers
- Pegs
- Whistle or bell
Before you begin
- Use the safety checklist to help you plan and risk assess your activity. There's also more guidance to help you carry out your risk assessment, including examples.
- Make sure all young people and adults involved in the activity know how to take part safely.
- Make sure you have enough adult helpers. You may need some parents and carers to help.
Planning and setting up this activity
- Print and cut one full set of Challenge Cards per team. Keep a copy of the answers.
Maze setup:
- Print and cut one set of Question and Discussion Cards.
- Create a rope trail at least 30 m long, weaving it between trees, poles, or other stable objects.
- Make sure the trail is accessible for everyone.
- You can vary the trail with zigzags, tunnels, low hurdles, or changes in rope height.
- Include multiple paths, so different teams may encounter different Question and Discussion Cards depending on their route.
- Use different rope lengths and secure them around fixed points to keep the trail stable.
- Place the cards at key points along the trail.
- Set a safe limit on how many people can be on the trail at once.
- Ensure the course is clearly marked and safe to avoid trips or slips.
Aim of the activity
The aim of this activity is to help young people understand the basics of online banking by exploring how to manage, move, and spend money digitally. Working together, they will tackle real-world scenarios that highlight the advantages and risks of online transactions. Throughout the activity, participants will learn important safety tips for using online banking responsibly and reflect on the importance of staying secure while handling digital money.
Becoming a Critical Consumer
- Making Financial Decisions
Managing Risks and Emotions Associated with Money
- Protecting my Money
- Fraud and ID theft
This activity may touch on sensitive topics, such as food, money or food banks, which some young people or their families might be affected by.
It’s important to create a safe, positive and supportive space where everyone feels comfortable. Let everyone know it’s okay to ask questions, say if they feel unsure, or step away at any time. Always follow the Yellow Card.
You might need to make adjustments, such as:
- Tell people about the activity in advance
- Offer the option to leave or do an alternative activity
- Speak with parents or carers beforehand
- Remind everyone they can talk to a trusted adult if they’re upset or worried
You can offer trusted support services if needed, such as Childline (0800 1111), Citizen’s Advice (0808 223 1133) and Crimestoppers (0800 555 111).
The Trussell Trust is a great place to start looking for a food bank near you. You can find details of independent food banks online. The UK Government have some debt advice support too.
Make sure that all adult volunteers and young leaders keep all discussions age-appropriate and supportive.
Running this activity
Challenge Relay
- Ask everyone to get into groups.
- The groups should line up in relay formation.
- Place the Challenge Cards at the end of the relay track in a safe spot, such as on a table, ensuring no one can slip on them.
- One team member runs to the end of the track, collects a Challenge Card, and returns to their team.
- The team discusses the question on the card and agrees on an answer together. One team member should note down the answer.
- Once the answer is recorded, the next team member goes to collect the next card.
- Continue until all team members have run and all Challenge Cards have been collected and answered.
- The first team to return with all their Challenge Cards answered wins the race portion.
- Someone can then read out the correct answers for each Challenge Card.
- The team with the most correct answers wins overall.
- In the case of a tie, the fastest team among the tied teams is the winner.
The Maze
- Gather everyone and explain that they’ll be working in teams to follow a trail, answering fun and tricky questions about online banking and digital money along the way to reach the finish line.
- Ask everyone to move slowly and listen carefully to each other.
- Divide the group into smaller teams. Each team should start at a different point on the trail. Two teams can go at once if they start in opposite directions.
- Along the trail, teams will encounter two types of stops:
- Question Cards: Teams must stop, agree on an answer, and write it down.
- Discussion Cards: Teams pause to talk as a team about the topic before continuing.
- Once all teams have finished the trail, bring everyone back together to review the cards, checking the answers on the Question Cards and discussing what they learned during the Discussion Cards.
Optional challenge:
- To make the maze harder, most team members could be blindfolded. One person per team remains unblindfolded and must guide the rest. Teams will need to rely on each other and work together.
- If anyone doesn’t want to wear a blindfold, they can close their eyes or cover them with their hands while holding the rope, whatever feels most comfortable.
Reflection
What did you learn about the benefits and risks of using online banking and digital money? It’s important to understand that while digital money can make managing and sending money faster and more convenient, it also comes with risks, such as security threats and the need to protect your personal information.
Thinking about this, how do you think digital money will change the way we handle everyday payments and banking in the future? It could make money management easier and more accessible, but it also means we need to be careful about keeping our information safe and being aware of scams.
Given these points, do you feel confident using online banking and digital money? What steps could you take to protect yourself and make the most of these tools?
Safety
All activities must be safely managed. You must complete a thorough risk assessment and take appropriate steps to reduce risk. Use the safety checklist to help you plan and risk assess your activity. Always get approval for the activity, and have suitable supervision and an InTouch process.
You must run your activities in line with the Safeguarding Code of Conduct for Adults (Yellow Card) and report any concerns to the UK HQ Safeguarding Team.
- Active games
The game area should be free of hazards. Explain the rules of the game clearly and have a clear way to communicate that the game must stop when needed. Take a look at our guidance on running active games safely.
- Outdoor activities
You must have permission to use the location. Always check the weather forecast, and inform parents and carers of any change in venue.
- Visits away from your meeting place
Complete a thorough risk assessment and include hazards, such as roads, woodland, plants, animals, and bodies of water (for example, rivers, ponds, lakes, and seas). You’ll probably need more adult helpers than usual. Your risk assessment should include how many adults you need. The young people to adult ratios are a minimum requirement. When you do your risk assessment, you might decide that you need more adults than the ratio specifies. Think about extra equipment that you may need to take with you, such as high visibility clothing, a first aid kit, water, and waterproofs. Throughout the activity, watch out for changes in the weather and do regular headcounts.
- To make it easier, you could shorten the trail, reduce the number of different paths, just ask questions, or give multiple choice answers to questions.
- To make it harder, you could lengthen the trail, add more obstacles, or make it a timed a race with just one path and it’s the team to finish fastest.
- Make sure any equipment is accessible for everyone. Some examples include having pictures on the question cards or using items that make noise for anyone with visual impairments.
- For example, you could have cones spread further apart to allow a wheelchair to manoeuvre through them.
- Add tactile markers on the rope (such as knots, tape, or fabric) to help identify key points or changes in direction for those who benefit from sensory cues.
- Make sure any equipment is laid out in a way that’s accessible to everyone. There should be space or access for everyone to move around and reach anything needed. For example, you could have cones spread further apart to allow a wheelchair to manoeuvre through them. Always make sure people know what they're doing and which way to go, such as having a demonstration of what to do, adults to help guide people, or signs and arrows to show the route.
- If anyone struggles with balance, you may want to add safety mats to the sides of obstacles, have spotters to help support them, or put foam barriers on any sharp edges or corners.
- Use calm, clear voice instructions for those who need extra guidance—this helps everyone feel safe and reassured as they move through the trail.
- Make sure that everyone can see the cards. You may need to make the words larger, use an easy to read and large print font, or enlarge any images. People could also use magnifying glasses, braille versions or large print versions.
- Some people might not like how it feels to touch some items or textures, or they may not like wearing a blindfold. No-one should be forced to touch something they feel uncomfortable with. They could take on a different role, such as scorer.
- If someone feels uncomfortable with darkness or blindfolds, let them close their eyes, cover them with their hands, or keep their eyes open.
- People can move at their own pace, so you don’t need to make it competitive unless it works for everyone.
- At the start of the relay, any objects could be on a table for people to pick them up from, rather than them being placed on the floor.
- If a relay race isn’t accessible for everyone, you could do adapt the activity, you could have different distances for people to choose to do, so some people can cover shorter or longer distances.
All Scout activities should be inclusive and accessible.
Young people could create their own maze and help set it up.
