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Financial culture and financial literacy has become more and more highlighted during the latest years. This increased attention is due to the financial crisis, because the negative effects are mostly caused by the insufficient financial literacy and the misconception of information. Several countries have tried to develop financial consciousness, but there have not been any real changes. The main goal of this article is to represent the different approaches of financial culture and literacy according to the relevant literature; by investigating its different projections, then to present an analysis of financial culture by its value according to a Hungarian primary research.