Account ownership at a financial institution or with a mobile-money-service provider (% of population ages 15+) by country
Account denotes the percentage of respondents who report having an account (by themselves or together with someone else) at a bank or another type of financial institution or report personally using a mobile money service in the past 12 months (% age 15+).
Countries reporting
115
Highest
99.8%
Finland
Lowest
14.8%
Niger
Median
78.8%
Years covered
14
2011–2024
Data points
640
What the numbers show
Account ownership at a financial institution or with a mobile-money-service provider (% of population ages 15+) is currently reported for 115 countries. The highest value is 99.8% in Finland; the lowest is 14.8% in Niger.
The median across all reporting countries is 78.8%, and the mean is 71.9%.
The gap between the highest and lowest reporting country is a factor of about 7.
Over the past decade 100 countries rose and 15 fell. The largest increase was in Guinea (up 417.9%), and the largest decrease in Lebanon (down 50.9%).
Account ownership at a financial institution or with a mobile-money-se: full country ranking
| # | Country | Latest | Year | 10-year change | Trend |
|---|---|---|---|---|---|
| 1 | Finland | 99.8% | 2024 | down 0.2% | flat |
| 2 | Austria | 99.5% | 2024 | up 2.9% | flat |
| 3 | United Kingdom | 99.3% | 2024 | up 0.4% | flat |
| 4 | France | 99.2% | 2024 | up 2.7% | flat |
| 5 | Netherlands | 99.2% | 2024 | down 0.1% | flat |
| 6 | Lithuania | 99.0% | 2024 | up 27.1% | rising |
| 7 | Estonia | 98.9% | 2024 | up 1.3% | flat |
| 8 | Slovenia | 98.7% | 2024 | up 1.5% | flat |
| 9 | Denmark | 98.7% | 2024 | down 1.3% | flat |
| 10 | Sweden | 98.6% | 2024 | down 1.2% | flat |
| 11 | Japan | 98.5% | 2024 | up 1.9% | flat |
| 12 | Canada | 98.4% | 2024 | down 0.7% | flat |
| 13 | Spain | 98.4% | 2024 | up 0.8% | flat |
| 14 | Germany | 98.3% | 2024 | down 0.5% | flat |
| 15 | Ireland | 98.3% | 2024 | up 3.8% | rising |
| 16 | Mongolia | 98.3% | 2024 | up 7.0% | rising |
| 17 | Belgium | 98.2% | 2024 | up 0.1% | flat |
| 18 | Australia | 98.0% | 2024 | down 0.9% | flat |
| 19 | Singapore | 98.0% | 2024 | up 1.7% | flat |
| 20 | New Zealand | 97.9% | 2024 | down 1.7% | flat |
| 21 | Hong Kong | 97.3% | 2024 | up 1.2% | rising |
| 22 | United States | 97.0% | 2024 | up 3.7% | rising |
| 23 | South Korea | 96.9% | 2024 | up 2.7% | rising |
| 24 | Malta | 96.6% | 2024 | up 0.2% | flat |
| 25 | Cyprus | 96.1% | 2024 | up 6.6% | rising |
| 26 | Latvia | 95.0% | 2024 | up 5.3% | rising |
| 27 | Croatia | 92.6% | 2024 | up 7.7% | rising |
| 28 | Czechia | 92.3% | 2024 | up 12.3% | rising |
| 29 | Slovakia | 92.2% | 2024 | up 19.4% | rising |
| 30 | Thailand | 91.8% | 2024 | up 17.5% | rising |
| 31 | Portugal | 91.4% | 2024 | up 4.6% | rising |
| 32 | Iran | 91.1% | 2024 | down 1.3% | rising |
| 33 | Kenya | 90.1% | 2024 | up 20.7% | rising |
| 34 | Mauritius | 89.6% | 2024 | up 9.0% | rising |
| 35 | China | 89.4% | 2024 | up 13.2% | rising |
| 36 | Israel | 89.3% | 2024 | down 0.8% | flat |
| 37 | India | 89.0% | 2024 | up 67.5% | rising |
| 38 | Malaysia | 88.7% | 2024 | up 9.9% | rising |
| 39 | Greece | 88.6% | 2024 | up 1.2% | rising |
| 40 | Ukraine | 87.6% | 2024 | up 66.1% | rising |
| 41 | Venezuela | 87.3% | 2024 | up 53.1% | rising |
| 42 | Kazakhstan | 87.0% | 2024 | up 61.5% | rising |
| 43 | Hungary | 87.0% | 2024 | up 20.3% | rising |
| 44 | Brazil | 86.4% | 2024 | up 26.8% | rising |
| 45 | Poland | 86.1% | 2024 | up 10.6% | rising |
| 46 | Italy | 86.0% | 2024 | down 1.5% | rising |
| 47 | Chile | 85.1% | 2024 | up 34.5% | rising |
| 48 | Bulgaria | 84.7% | 2024 | up 34.5% | rising |
| 49 | North Macedonia | 84.3% | 2024 | up 17.3% | rising |
| 50 | Serbia | 83.3% | 2024 | up 0.2% | rising |
| 51 | Argentina | 81.7% | 2024 | up 62.8% | rising |
| 52 | Sri Lanka | 81.7% | 2024 | down 1.2% | rising |
| 53 | Turkey | 81.6% | 2024 | up 43.9% | rising |
| 54 | Ghana | 81.2% | 2024 | up 100.6% | rising |
| 55 | South Africa | 81.1% | 2024 | up 15.4% | rising |
| 56 | Russia | 79.3% | 2024 | up 17.7% | rising |
| 57 | Saudi Arabia | 78.8% | 2024 | up 13.6% | rising |
| 58 | Georgia | 78.8% | 2024 | up 98.7% | rising |
| 59 | Bosnia and Herzegovina | 77.5% | 2024 | up 47.0% | rising |
| 60 | Senegal | 76.5% | 2024 | up 395.7% | volatile |
| 61 | Uruguay | 73.7% | 2024 | up 61.8% | rising |
| 62 | Uganda | 72.8% | 2024 | up 63.9% | rising |
| 63 | Zambia | 72.7% | 2024 | up 104.0% | rising |
| 64 | Kyrgyzstan | 72.3% | 2024 | up 291.2% | volatile |
| 65 | Armenia | 71.4% | 2024 | up 303.9% | volatile |
| 66 | Costa Rica | 71.4% | 2024 | up 10.5% | rising |
| 67 | Romania | 71.3% | 2024 | up 17.3% | rising |
| 68 | Vietnam | 70.6% | 2024 | up 127.9% | rising |
| 69 | Gabon | 68.2% | 2024 | up 106.5% | rising |
| 70 | Dominican Republic | 64.8% | 2024 | up 19.8% | rising |
| 71 | Ecuador | 64.5% | 2024 | up 39.6% | rising |
| 73 | Panama | 64.1% | 2024 | up 46.8% | rising |
| 74 | Nigeria | 63.3% | 2024 | up 42.3% | rising |
| 75 | Botswana | 61.4% | 2024 | up 18.2% | rising |
| 76 | Cameroon | 60.9% | 2024 | up 399.9% | volatile |
| 77 | Nepal | 60.0% | 2024 | up 77.5% | rising |
| 78 | Tanzania | 59.8% | 2024 | up 50.4% | rising |
| 79 | Uzbekistan | 59.7% | 2024 | up 46.5% | rising |
| 80 | Peru | 59.3% | 2024 | up 104.7% | rising |
| 81 | Togo | 57.4% | 2024 | up 214.7% | volatile |
| 82 | Colombia | 57.1% | 2024 | up 46.3% | rising |
| 83 | Bolivia | 56.8% | 2024 | up 36.0% | rising |
| 84 | Indonesia | 56.3% | 2024 | up 56.2% | rising |
| 85 | Azerbaijan | 56.3% | 2024 | up 93.1% | rising |
| 86 | Congo | 55.6% | 2024 | up 225.6% | volatile |
| 87 | Moldova | 55.5% | 2024 | up 212.8% | rising |
| 88 | Mali | 54.7% | 2024 | up 172.7% | volatile |
| 89 | Tajikistan | 54.5% | 2024 | up 375.8% | volatile |
| 90 | Mexico | 53.0% | 2024 | up 35.5% | rising |
| 91 | Benin | 51.8% | 2024 | up 211.9% | volatile |
| 92 | Burkina Faso | 51.4% | 2024 | up 258.2% | rising |
| 93 | Malawi | 50.4% | 2024 | up 178.4% | rising |
| 94 | Philippines | 50.2% | 2024 | up 60.4% | rising |
| 95 | Zimbabwe | 49.5% | 2024 | up 52.9% | rising |
| 96 | Jordan | 46.5% | 2024 | up 88.7% | rising |
| 97 | Albania | 46.1% | 2024 | up 21.3% | rising |
| 98 | El Salvador | 43.4% | 2024 | up 18.2% | rising |
| 99 | Bangladesh | 43.3% | 2024 | up 39.7% | rising |
| 100 | Egypt | 43.1% | 2024 | up 205.2% | rising |
| 101 | Honduras | 42.4% | 2024 | up 34.8% | rising |
| 102 | Palestine | 39.6% | 2024 | up 63.4% | rising |
| 103 | Democratic Republic of Congo | 39.2% | 2024 | up 124.4% | volatile |
| 104 | Cambodia | 39.0% | 2024 | up 76.1% | volatile |
| 105 | Sierra Leone | 38.6% | 2024 | up 147.9% | rising |
| 106 | Guatemala | 38.3% | 2024 | down 7.4% | rising |
| 107 | Guinea | 36.0% | 2024 | up 417.9% | volatile |
| 108 | Algeria | 35.3% | 2024 | down 30.1% | flat |
| 109 | Iraq | 30.2% | 2024 | up 174.9% | rising |
| 110 | Mauritania | 27.3% | 2024 | up 19.5% | rising |
| 111 | Pakistan | 27.3% | 2024 | up 109.4% | rising |
| 112 | Madagascar | 24.5% | 2024 | up 185.9% | volatile |
| 113 | Nicaragua | 23.5% | 2024 | up 20.7% | rising |
| 114 | Lebanon | 23.0% | 2024 | down 50.9% | falling |
| 115 | Chad | 20.9% | 2024 | up 68.1% | rising |
| 116 | Niger | 14.8% | 2024 | up 121.1% | volatile |
Regions and income groups
Aggregates are excluded from the country ranking above so that a region can never outrank a country.
- Kosovo 64.2%
- High income 94.9%
- Upper middle income 84.0%
- East Asia & Pacific (excluding high income) 83.3%
- World 78.7%
- Europe & Central Asia (excluding high income) 77.8%
- South Asia 77.6%
- Low & middle income 75.4%
- Lower middle income 70.4%
- Latin America & Caribbean (excluding high income) 69.7%
- Sub-Saharan Africa (excluding high income) 58.2%
- Middle East, North Africa, Afghanistan & Pakistan (excluding high income) 52.9%
About this data
Account denotes the percentage of respondents who report having an account (by themselves or together with someone else) at a bank or another type of financial institution or report personally using a mobile money service in the past 12 months (% age 15+).