Skip to content
English

The Karma Bank

Because appreciation and support often go unnoticed

You give more than you think: attention, time, energy, ideas, empathy, thoughtfulness. Much of it happens quietly, often without any big gesture or anyone even noticing.

The Karma Bank makes exactly that visible: what you give, what you need, and what connects you. For yourself. For your team. Or for whatever environment you want to strengthen with deeper relationships, trust, and a sense of togetherness.

What is the Karma Bank?

The Karma Bank isn't your typical financial tool. It's a mindset. A shift in perspective.

You give. You take note of what you give. And you trust that something will come back. Not always right away, but often in surprising ways.

The Karma Bank is a principle based on trust. A tool for anyone who wants to build relationships with intention, within a team, among friends, or simply for themselves. It reminds us: giving and receiving go hand in hand. And both deserve to be seen. Because every form of support counts—no matter how big or small:

  • a thoughtful piece of advice,
  • a listening ear,
  • a timely tip,
  • or a helping hand in everyday life.

The Karma Bank sheds light on what is often overlooked. It reveals how people uplift each other and strengthen fairness, trust, and connection.

And the best part?
It's not a ranking or leaderboard. Not a competition. It's a mirror.
A mirror that reflects just how much supportive energy is already flowing—and how valuable our giving and receiving truly are.

Why is the Karma Bank important?

"Most systems celebrate results.
The Karma Bank celebrates what comes before: the small, often overlooked micro-actions that make those results possible in the first place."

 

  • It makes the invisible visible, so that contributions don’t go unnoticed but are truly recognized.

  • It encourages you to ask for support, without shame, guilt, or holding back.

  • It strengthens connection and collaboration by turning generosity into a shared habit.

  • It’s both light and profound, simple to use, powerful in its impact.

Who is the Karma Bank for?

Karma Bank for teams
that want more trust and transparency in the way they work together.
Karma Bank for leaders
who want to build a culture of appreciation and psychological safety.
Karma Bank for women
where asking for help often feels harder than giving it.
Karma Bank for individuals
seeking a mindset shift toward more ease and flow in their relationships.

How it works

Whether you want to use the Karma Bank for yourself, share it with friends, bring clarity to a club or community, or foster stronger collaboration within a team, the key is that you and your Karma Bank crew agree on three core principles:

  • Give: Every supportive action is a “deposit.” Do you currently have the capacity to give? The same goes for everyone else involved.

  • Keep track: How will you track your deposits? Whether it’s with cards, lists, boards, or digitally on Miro. The main thing is that it’s simple, accessible, and easy to integrate into everyday life.

  • Receiving: Your karma account wants to stay in motion,  which means it's perfectly okay for you to actively ask for support. When someone helps you, it's like a “withdrawal” from the karma account.
Templates for Inspiration

Below you’ll find templates Melissa has used. Before diving in, take a moment to explore them. Make them your own, or create your own version from scratch. In our experience, that’s what works best.

Step 1: For Individuals – The Karma Bank Kudos Template

Want to strengthen specific relationships? Great.
This template helps you show appreciation to colleagues or companions in a meaningful way. Choose five people and consider: What’s one small action that would strengthen our connection?

 

It’s all about simple, specific micro-acknowledgements that make a real impact.

Step 2: For the More Advanced – The Karma Bank Flow Template

Now it’s time to stay consistent. How often do you give? How often do you receive? And how does it feel?

With the Flow Template, you track when you offered support, and when you received it. This helps you spot patterns, notice balance (or imbalance), and refine your approach. The tracking and action list provides a clearer view and room for growth.

Step 3: For Teams & Groups – The Karma Bank Team Template

Planning to use the Karma Bank with a team or community? Start here.
Together, you’ll define the ground rules for how Karma Points are given.
Everyone records when they give or receive support.

In regular reflection rounds, you’ll discuss how support is distributed, strengthen your sense of connection, and bring a culture of mutual support to life, clearly and tangibly.

 

Bottom line
  • Start in a way that works for you. This is not supposed to drain you even more. Simple acts can have a great impact. 

  • Adapt the template to your context.

  • Decide how deeply you want to engage with yourself, your friends, or your workplace.

Still have questions about the Karma-Bank?

Below, you’ll find a step-by-step guide for all three use cases, plus two special templates: one inspired by the bestseller How Women Rise, and one focused on goal achievement.
Prefer to talk it through instead? Feel free to book a session with Melissa and explore together how the Karma Bank could make a difference in your context.

Concrete Step-by-Step Guide

Step 1
Purpose of the Template

This template is designed to help you intentionally nurture relationships with colleagues. It focuses on small, specific acts of recognition, micro-acknowledgements, that build trust and improve collaboration.

Instead of relying on big gestures or formal feedback processes, it encourages regular, simple contributions that strengthen working relationships.

  • You strengthen your network within the organization.

  • You foster collaboration and trust.

  • You’re seen as supportive and dependable.

  • You help build a culture of appreciation.

Structure of the Template

Center: This is where you list five colleagues you want to focus on.

Five segments: Each segment is assigned to one person. Think about one specific action you can take to support that person.

Guiding question: “How can this person support my vision, work goals, or career goals?”

It shifts the focus toward mutuality. You’re giving something, but you’re also becoming aware of how the relationship supports you.

Tips for implementation
  • Keep entries short but specific, one sentence per person is enough.
  • Aim for balance: don’t just think of your closest allies, but also consider more challenging relationships.
  • Share your appreciation as personally, directly, and promptly as possible.
  • Do a quick self check-in at the end of the week: Did I follow through on all my actions?
Steps for application

Selecting people

  • Don’t choose at random.
  • Focus on people with whom you:
    • are currently facing challenges in collaboration,
    • will be working more closely in the long term,
    • want to strengthen your network.

Relationship analysis

  • Where are there tensions or misunderstandings?

  • Where are shared successes missing?

  • Where do you see potential for more exchange?

Define specific actions

  • Write down one clear action per person, for example:

    • Offer help with a task

    • Take time for a personal conversation

    • Give feedback or acknowledge an achievement

    • Share information that could support them

  • Important: Focus on small, immediately doable steps.

Act and reflect

  • Carry out the action within a few days.

  • Observe how the person responds.

  • Reflect on whether the relationship becomes lighter, more trusting, or more productive as a result.

Regular repetition

  • This template isn’t meant as a one-time exercise.
  • Use it as a routine, e.g., monthly, to actively nurture your relationships.
Step 2
Purpose of the Template

This template helps you maintain a steady balance between giving and receiving in your professional relationships. It’s less about individual actions and more about the flow of mutual support. The goal is to become more aware of:

  • When did you receive support?

  • When did you offer support?

  • How balanced is this exchange?

By tracking this, you strengthen your network, build trust, and avoid one-sided dynamics.

  • You develop a sharper sense of balance in your relationships.

  • You gain insight into whether you’re enriching or overloading your network.

  • You promote a culture of giving—without losing sight of the value of receiving.

  • You have a simple tool to track your progress.

Structure of the Template

Center: This is where you keep an ongoing overview of your interactions.

Segments in the circle:

  • You add a dot when you give support.
  • You add a dot when you receive support.
  • Over time, this creates a picture of how active you are in both giving and receiving.

Optional tracking list (left side):
Here you can document in detail who offered support, when, how, and what the outcome was.

Optional action list (right side):
Here you can collect ideas for what you want to do—simple steps, challenging actions, or fun initiatives.

Tips for implementation
  • Be consistent: Record even the small gestures, otherwise, the picture becomes skewed.
  • Embrace variety: Don’t always support the same people, expand your network.
  • Use the action list to set goals and keep things fresh.
  • Link your results with the first template, Karma Bank Kudos, to combine intentional relationship-building with the flow of giving and receiving.
  •  
Steps for application

Start intentionally small

  • Choose one or two days to log your first points.

  • Record every small gesture, not just major acts of support.

Assigning points

  • Give yourself a point when you’ve helped someone (e.g., shared knowledge, given feedback, offered your time).

  • Give yourself a point when you’ve received help (e.g., support with a task, advice, information).

Add to your tracking

  • Use the list on the left to note specifics: who, when, how, and the outcome.

  • This helps you spot patterns: Who supports you regularly? Whom do you support?

Reflection

  • At the end of the week, check: Is the flow balanced?

  • Are there colleagues you receive more from than you give to, or vice versa?

  • Think about how you can restore or maintain balance.

Planning with the action list

  • On the right, you can jot down targeted ideas:

    • Simple: Small recognition, quick help.

    • Challenging: Honest conversation, support with complex tasks.

    • Fun: Shared break, little surprise.

Repeat

  • Use the template regularly, for example, weekly.

  • Over time, you’ll begin to see whether you’re in a “flow” or if some relationships remain one-sided.

Step 3
Purpose of the Template

This template helps teams introduce and actively live the Karma culture.
Unlike the individual templates (Kudos and Flow), the focus here is on the collective experience.

It’s about:

  • Building a shared understanding of giving and receiving

  • Creating transparency around how support is distributed

  • Fostering a culture where helping each other becomes second nature

The practical benefits for the team and collaboration:

  • Strengthens team cohesion through mutual recognition

  • Builds trust and fairness

  • Offers a clear overview of how support flows within the team

  • Encourages shared responsibility for team culture

  • Makes the balance between giving and receiving visible

Structure of the Template

Center: It’s about focusing on balance and transparency.

Segments in the circle:

  • One area for support given.
  • One area for support received.
  • Each team member adds their own dots.

Explanation box with rules:

  • Includes a starting guide, clear ground rules, and tips for implementation.
  • Rules ensure fairness and help prevent misunderstandings.
Tips for implementation
  • Keep the rules simple so no one feels overwhelmed.

  • Record small gestures just as much as big acts of support, they often make the biggest difference.

  • Use the tool not as a competition, but as a motivator for mutual support.

  • Combine the review with a brief feedback round.

  • Create a routine, for example, add your points at the end of each week.

Steps for application

Preparation

  • Set a time frame (e.g., 4 weeks or one quarter).

  • Clarify who’s participating.

  • Hang the poster in a visible spot or share it digitally.

Kick-of meeting

  • Define together what counts for points.

  • Collect examples: small acts of help, sharing knowledge, support with tasks, listening.

  • Agree on a consistent scoring system (every act of support counts as one point).

Set the rules

  • All Karma points have equal value.

  • Both big and small acts of support are recognized.

  • Points are awarded for both giving and receiving.

Clarify responsibilities within the team

  • Decide who will ensure the rules are followed.

  • Schedule brief reflection rounds to discuss progress.

Collect points

  • Add a point when you’ve received support.

  • Add a point when you’ve given support.

  • Important: Document honestly, regularly, and visibly.

Reflection

  • In team meetings, discuss: How is the giving and receiving distributed?

  • Who is especially active? Who benefits the most?

  • Is there an imbalance that needs to be addressed?

Closing and evaluation

  • At the end of the set time frame: review the results together.

  • Celebrate successes, identify patterns, and adjust rules if needed.

How the Karma Bank Supports Goals
Purpose of the Template

This template connects the idea of the Karma Bank with a specific personal goal. It shows you how to intentionally engage your network:

Where do you need support to reach your goal?
Who can you support at the same time?

This creates a flow of giving and receiving directly tied to your personal growth or a project.

The concrete benefits for you:

  • You link your personal goals directly to your network.

  • You identify where you need support and how to ask for it.

  • You strengthen relationships through mutual exchange.

  • You turn your development into a shared process.

Structure of the template

Center: This is where you clearly state your personal goal.

Fields on the left:
Under “Person” and “Contribution,” list people who could support you in reaching your goal -and how exactly they could help.

Fields on the right:
Under “My contribution to others,” note what you can offer in return. The focus is on not just receiving, but actively giving back.

Bottom left box (Explanation):
Outlines the process: define your goal, involve your network, plan contributions.

Bottom right box (Tip):
Helps you more easily identify how you can support others.

Tips for implementation
  • State your goal clearly so others can easily understand it.

  • Be specific in your requests for support - vague asks often go unanswered.

  • Use the tip box to reflect on your own strengths. This will help you see more easily what you can give back.

  • Update the template regularly, especially when your goal is achieved or shifts in a new direction.

Steps for application

Set a goal

  • Formulate a clear, achievable goal—for example, completing a project, learning a new skill, or strengthening your role within the team.

Identify support

  • Think about who in your environment could help you with this.

  • Write down the person and the specific contribution you’d like from them (e.g., sharing knowledge, giving feedback, opening up contacts).

Reflect on your own contributions

  • Ask yourself: What can you offer in return?

  • Write your contributions on the right side. These could be support, experiences, or resources.

Create balance

  • Make sure the relationship doesn’t remain one-sided.

  • Consider how you can make your support timely and visible.

Take action

  • Approach the people directly.

  • Be clear in your request for support—and just as clear in what you’re offering in return. 

Review and adjust

  • Regularly check whether you’re making progress toward your goal.

  • Add new people or contributions if your environment or needs change.

The Karma Bank and How Women Rise
Purpose of the Template

This template connects the concept of Karma Bank with insights from "How Women Rise" by Sally Helgesen and Marshall Goldsmith. It’s specifically designed for women who want to advance their professional growth.

The goal is to make common behaviors visible - ones that may be holding you back from your next career step - and to address them intentionally in connection with your environment.

Your benefits:

  • You link personal growth with your network.

  • You make limiting behaviors visible and manageable.

  • You strengthen relationships through mutual support.

  • You support your career development in a structured, intentional way.

Structure of the template

Center: The starting point for reflection and change.

The four segments in the circle:

These represent the four main areas into which the twelve behaviors are grouped. Learn more here.

  • Career Management

  • Self-Promotion

  • Personal Expectations

  • Relationship Management

They reflect key themes where limiting patterns may show up.

Outer fields:
For each area, write down one person and the contribution you’d like to give or receive.
There’s also a field for an “extra person”—meant for especially prominent behaviors or key figures.

Explanation at the bottom:
Guides you to choose one behavior per area that you want to work on—and to identify the right people to support you.

Tips for implementation
  • Be honest with yourself about which behaviors hold you back the most.

  • Start with one area before tackling them all at once.

  • Use the extra person intentionally to reinforce feedback.

  • Keep balance in mind: it’s not just about getting support, but also about providing value to others.

Steps for application

Identify behavior

  • Consider which of the behaviors described in the book apply to you.

  • Examples: The Perfection trap, Reluctance to claim your achievements, Overvaluing expertise, Minimizing.

Assign to an area

  • Link the chosen behavior to one of the four areas (e.g., perfectionism → personal expectations).

Select people

  • Look for individuals who can help you change this behavior (e.g., mentor, colleague, manager).

  • In the “Contribution” field, add how exactly they can support you—or how you’d like to support them.

Choose an extra person

  • Select someone for particularly relevant behaviors that are strongly pronounced in you.

  • This person can help by giving you targeted feedback or holding up a mirror.

Define contributions

  • Be clear: What support do you want?

  • What support are you offering in return?

     

  • The goal is a balanced exchange of giving and receiving.

Start implementation

  • Approach the selected people directly.

  • Agree on concrete steps for how you’ll work together.

Reflection

  • Regularly check whether you’re making progress.

     

  • Add or switch people if your focus shifts.

You want more?

Get additional templates: 

 

"ASK or GIVE"-cards

These cards make visible what each person can offer,  and what they need.
They invite you to step outside your comfort zone and try something new.
The focus is not on “wish & offer,” but on learning and growth.

Reflection questions

You can use these questions flexibly—either as part of a handout or directly in a session. They encourage reflection on your own approach to giving and receiving:

  • What comes more easily to me, giving or receiving? Or: Where do I hold back, and why?

  • How visible is my contribution to others? Or: What do I need in order to accept support?