
Creating a fish piggy bank is a fun and creative DIY project that combines artistry with practicality. This unique craft not only serves as a functional coin holder but also adds a whimsical touch to your space. Using materials like clay, papier-mâché, or even recycled items, you can shape a fish-inspired design, complete with scales, fins, and a coin slot. Painting and decorating the fish allows for personalization, making it a great activity for both kids and adults. Whether for teaching savings habits or as a decorative piece, a fish piggy bank is both charming and purposeful.
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What You'll Learn
- Materials Needed: Clay, paint, glue, brush, cutter, sponge, water, newspaper, acrylic sealer
- Shaping the Fish: Mold clay into fish form, add fins and tail, smooth edges
- Creating the Slot: Cut coin slot on fish’s back, reinforce edges with extra clay
- Painting and Decorating: Apply base coat, add details, let dry, seal with acrylic
- Final Assembly: Attach stand or base, ensure slot is functional, let fully dry

Materials Needed: Clay, paint, glue, brush, cutter, sponge, water, newspaper, acrylic sealer
Clay serves as the backbone of your fish piggy bank, offering both structure and malleability. Choose air-dry or oven-bake polymer clay based on your preference for convenience versus durability. Air-dry clay is beginner-friendly but prone to cracking if mishandled, while polymer clay requires baking but yields a sturdier finish. For a fish shape, opt for a clay color that mimics aquatic tones—think blues, greens, or even a marbled effect. Use at least 500 grams of clay to ensure your piggy bank is substantial enough to hold coins without toppling over.
Paint transforms your clay fish from a simple sculpture into a vibrant, eye-catching creation. Acrylic paints are ideal due to their quick drying time and opacity; start with a base coat and allow it to dry completely before adding details like scales, fins, or facial features. A small brush (size 0 or 1) is essential for intricate designs, while a larger flat brush (size 6 or 8) can handle broader areas. For a glossy finish, mix a drop of water with your paint to thin it slightly, ensuring smooth application.
Glue and a cutter are your precision tools for adding functional elements. Use a sharp cutter to carve a small coin slot near the fish’s back, ensuring it’s wide enough for quarters but not so large that it compromises the structure. For a removable bottom, attach a small clay or cardboard circle with strong craft glue, leaving it to dry for at least 24 hours. Avoid super glue, as it can crack the clay; opt for a flexible adhesive like E6000 instead.
A sponge and water are your allies in achieving a smooth, professional finish. Dip a damp sponge in water and gently wipe the clay surface before it fully dries to remove fingerprints and imperfections. This step is crucial for air-dry clay, which tends to show every mark. For painted surfaces, use a clean, damp sponge to blend colors or soften edges, creating a watercolor-like effect. Always blot the sponge before use to prevent excess moisture from warping the clay.
Newspaper and acrylic sealer are the unsung heroes of this project. Crumple newspaper to create a stable base for your fish during drying or painting, ensuring it doesn’t collapse under its own weight. Once your piggy bank is complete, apply 2–3 thin coats of acrylic sealer to protect the paint and clay from moisture and wear. Allow each coat to dry for 1 hour before adding the next, and avoid handling the piece until fully cured (typically 24 hours). This final step ensures your fish piggy bank remains a durable, long-lasting treasure.
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Shaping the Fish: Mold clay into fish form, add fins and tail, smooth edges
The foundation of your fish piggy bank lies in its form. Begin with a lump of clay, roughly the size of a grapefruit for a medium-sized fish. Knead it until it's pliable, then shape it into a teardrop for the body. This initial form sets the stage for the fish's anatomy, ensuring proportional fins and a balanced tail. Think of it as sculpting the skeleton before adding the fleshy details.
Adding fins and tail requires a delicate touch. For the dorsal fin, roll a thin coil of clay and attach it along the fish's back, tapering it towards the tail. The pectoral fins, positioned just behind the gills (which you can suggest with a slight indentation), should be flattened teardrops, angled slightly downward. The tail, the fish's powerhouse, demands more attention. Flatten a piece of clay, then cut a triangular notch from the center, creating a forked shape. Attach it at the rear, ensuring it aligns with the body's curve. Remember, asymmetry is natural – a slight tilt in the tail or a fin adds character.
Smoothing edges is where your fish transforms from a lumpy blob into a sleek swimmer. Use a damp sponge or your fingertips to gently blend seams where fins meet the body. A small paintbrush dipped in water can help refine details, like the ridges on the tail or the curve of the mouth. This stage is crucial for both aesthetics and functionality – smooth edges prevent snagging coins and create a more polished final product.
Consider the clay's drying time as you shape. Air-dry clay is forgiving, allowing adjustments as you work, but becomes less pliable as it dries. If using oven-bake clay, shape and smooth quickly before baking. Regardless of type, avoid over-handling, which can lead to cracking. Once your fish is shaped, let it dry completely before adding the coin slot and painting, ensuring a sturdy and durable piggy bank.
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Creating the Slot: Cut coin slot on fish’s back, reinforce edges with extra clay
A well-designed coin slot is crucial for any piggy bank, and the fish-shaped variant is no exception. When creating the slot, precision is key. Start by sketching a small, rectangular outline on the fish's back, ensuring it’s wide enough for coins but not so large that it compromises the structure. Use a sharp clay tool or a thin knife to cut along the lines, removing the excess clay cleanly. This step requires a steady hand, as uneven edges can weaken the slot and detract from the overall aesthetic.
Reinforcing the edges is where many DIY enthusiasts falter. Raw clay is malleable but fragile, especially when thin. To prevent cracking or chipping, roll out a thin coil of extra clay and press it along the inner edges of the slot. Smooth the seams with a damp brush or sponge to blend the reinforcement seamlessly into the fish’s body. This not only strengthens the slot but also ensures it can withstand repeated use. For added durability, consider scoring the edges lightly before applying the reinforcement to improve adhesion.
Comparing this method to alternatives highlights its practicality. Some creators opt for pre-made plastic slots, but these can look out of place on a handcrafted clay fish. Others skip reinforcement altogether, risking breakage over time. By cutting the slot directly into the clay and reinforcing it, you maintain the bank’s artisanal charm while ensuring longevity. This approach is particularly suited for projects involving air-dry clay, though it works equally well with oven-baked varieties.
A cautionary note: avoid making the slot too close to the fish’s spine or tail, as these areas are naturally weaker. Instead, position it near the center of the back, where the clay is thicker and more stable. If working with children, supervise the cutting step closely, as sharp tools are involved. For younger age groups (under 8), consider pre-cutting the slot yourself and letting them focus on decorating or reinforcing under guidance.
In conclusion, creating and reinforcing the coin slot is a blend of precision and foresight. Done correctly, it transforms a simple clay fish into a functional, durable piggy bank. This step may seem minor, but it’s the difference between a decorative piece and a practical keepsake. With careful execution, your fish piggy bank will not only look charming but also stand the test of time and countless coins.
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Painting and Decorating: Apply base coat, add details, let dry, seal with acrylic
A smooth, even base coat is the foundation of any painted project, and your fish piggy bank is no exception. Choose a color that complements your design—perhaps a vibrant turquoise for a tropical fish or a soft pastel for a whimsical goldfish. Apply the paint generously but evenly, using long, smooth strokes to avoid brush marks. Aim for full coverage, but don't overload the surface; two thin coats are better than one thick one. Allow each coat to dry completely before proceeding, typically 30–60 minutes depending on the paint and humidity. This step is crucial; rushing it can lead to smudges or uneven texture, undermining the final look.
Once the base coat is dry, it’s time to bring your fish to life with details. Use fine brushes for precision—a size 0 or 1 works well for scales, fins, and facial features. Start with larger elements like the eyes and stripes, then layer in smaller details like gills or individual scales. Acrylic paints are ideal for this stage due to their opacity and quick drying time. For a realistic effect, blend colors directly on the surface or use a wet-on-dry technique for sharper contrasts. If you’re unsure, practice on scrap material first to refine your technique and color combinations.
Drying time is often underestimated but is critical to the longevity of your project. After adding details, let the piggy bank dry for at least 2 hours, or until the paint is no longer tacky to the touch. For thicker applications or humid environments, extend this to 4–6 hours. Avoid handling the piece during this period to prevent smudging. If you’re working in layers, ensure each layer is fully dry before adding the next to avoid muddling colors or damaging the paint.
Sealing your work with acrylic sealant is the final, non-negotiable step. This protects the paint from chipping, fading, or water damage, ensuring your fish piggy bank remains vibrant and functional. Choose a matte or glossy finish based on your preference—matte for a subtle, natural look, or glossy for a bold, eye-catching shine. Apply the sealant with a wide brush or spray it on for even coverage, following the manufacturer’s instructions for drying time and coats (usually 1–2 coats, 1–2 hours apart). This step transforms your project from a delicate craft to a durable keepsake.
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Final Assembly: Attach stand or base, ensure slot is functional, let fully dry
The final assembly of your fish piggy bank is where all your efforts come together, transforming a collection of crafted pieces into a functional and decorative item. Begin by attaching the stand or base, which not only provides stability but also elevates the design, making it a standout piece. Choose a base that complements the fish’s shape and size—a flat, circular base works well for a streamlined look, while a wave-shaped base can add a playful, aquatic touch. Secure the base using a strong adhesive suitable for the materials you’re working with, such as epoxy for ceramics or hot glue for lightweight materials like papier-mâché. Ensure the bond is firm by applying even pressure and allowing it to set for the recommended time, typically 10–15 minutes for quick-drying glues or overnight for heavier adhesives.
Next, verify that the coin slot is fully functional. This step is critical, as a poorly designed slot can render your piggy bank impractical. Test the slot by inserting a few coins of varying sizes to ensure they slide through easily without catching or jamming. If the slot is too tight, gently widen it using a small file or sandpaper, taking care not to damage the surrounding area. For added durability, consider lining the slot’s edges with a thin layer of clear sealant to prevent wear over time. This is especially important if your piggy bank is made from materials like clay or wood, which can splinter or chip with repeated use.
Once the stand is attached and the slot is functional, the final step is to let the piggy bank dry completely. This is often overlooked but crucial, as rushing this process can lead to cracks, warping, or weakened joints. The drying time varies depending on the materials and adhesives used—air-dry clay may take 24–48 hours, while painted surfaces could require up to 72 hours to fully cure. Place the piggy bank in a well-ventilated area, away from direct sunlight or heat sources, which can cause uneven drying. For added protection, cover it loosely with a clean cloth to keep dust at bay without trapping moisture.
A practical tip for this stage is to plan ahead for the drying period. If your piggy bank is a gift or needed by a specific date, factor in ample time for drying and any potential touch-ups. For example, if you’re using acrylic paint, allow an extra day for each coat to ensure vibrant, chip-resistant color. Similarly, if you’ve added intricate details like scales or fins, inspect them after drying to ensure they’ve retained their shape and make any necessary adjustments.
In conclusion, the final assembly of your fish piggy bank is a blend of precision and patience. By carefully attaching the stand, ensuring the slot works flawlessly, and allowing adequate drying time, you’ll create a piece that’s both functional and visually appealing. These steps, though seemingly minor, are what distinguish a well-crafted piggy bank from a hastily assembled one. With attention to detail and a bit of foresight, your fish piggy bank will not only hold coins but also become a cherished item that showcases your creativity and craftsmanship.
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Frequently asked questions
You will need air-dry clay or polymer clay, a small jar or container for the base, acrylic paints, a paintbrush, a craft knife, glue, and optional decorations like glitter or googly eyes.
Roll a large piece of clay into an oval shape for the fish body. Flatten it slightly and ensure it’s thick enough to hold coins. Press the jar or container into the clay to create a hollow space for storing money, then smooth the edges.
Use a craft knife to carefully cut a small slit near the fish’s back or tail. Ensure the slot is wide enough for coins to fit through. Smooth the edges with a little water or clay to avoid sharp edges. Let the clay dry completely before painting and decorating.









































