Account ownership at a financial institution or with a mobile-money-service provider, primary education or less (% 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 (primary education or less, % of population ages 15+).
Countries reporting
105
Highest
100.0%
Austria
Lowest
13.3%
Nicaragua
Median
62.8%
Years covered
14
2011–2024
Data points
585
What the numbers show
Account ownership at a financial institution or with a mobile-money-service provider, primary education or less (% of population ages 15+) is currently reported for 105 countries. The highest value is 100.0% in Austria; the lowest is 13.3% in Nicaragua.
The median across all reporting countries is 62.8%, and the mean is 63.4%.
The gap between the highest and lowest reporting country is a factor of about 8.
Over the past decade 86 countries rose and 15 fell. The largest increase was in Republic of Moldova (up 1,662.0%), and the largest decrease in Lebanon (down 50.5%).
Account ownership at a financial institution or with a: full country ranking
| # | Country | Latest | Year | 10-year change | Trend |
|---|---|---|---|---|---|
| 1 | Austria | 100.0% | 2024 | up 3.8% | rising |
| 1 | Canada | 100.0% | 2024 | unchanged | flat |
| 1 | Germany | 100.0% | 2024 | up 2.4% | flat |
| 1 | Denmark | 100.0% | 2024 | unchanged | flat |
| 1 | Finland | 100.0% | 2024 | unchanged | flat |
| 1 | United Kingdom of Great Britain and Northern Ireland | 100.0% | 2024 | unchanged | rising |
| 1 | Lithuania | 100.0% | 2024 | up 149.6% | rising |
| 8 | Cyprus | 99.3% | 2024 | up 14.9% | rising |
| 9 | Slovenia | 98.6% | 2024 | up 8.9% | rising |
| 10 | France | 98.1% | 2024 | up 17.7% | rising |
| 11 | Spain | 97.6% | 2024 | up 4.8% | rising |
| 12 | Japan | 97.6% | 2024 | up 16.6% | rising |
| 13 | Estonia | 96.7% | 2024 | up 5.6% | rising |
| 14 | New Zealand | 96.5% | 2024 | down 0.7% | flat |
| 15 | Netherlands | 95.9% | 2024 | down 4.1% | flat |
| 16 | Mongolia | 95.2% | 2024 | up 22.5% | rising |
| 17 | Hong Kong, China | 93.4% | 2024 | up 0.8% | rising |
| 18 | Ireland | 92.9% | 2024 | up 30.9% | rising |
| 19 | United States of America | 92.7% | 2024 | up 54.9% | rising |
| 20 | Thailand | 91.0% | 2024 | up 24.3% | rising |
| 21 | Sweden | 89.9% | 2024 | down 10.1% | falling |
| 22 | Malta | 88.2% | 2024 | down 3.0% | flat |
| 23 | Belgium | 87.8% | 2024 | down 12.2% | flat |
| 24 | Singapore | 87.6% | 2024 | down 7.3% | falling |
| 25 | Republic of Korea | 87.4% | 2024 | down 3.7% | flat |
| 26 | India | 87.1% | 2024 | up 100.9% | rising |
| 27 | Latvia | 85.7% | 2024 | up 15.4% | rising |
| 28 | China | 84.4% | 2024 | up 15.8% | rising |
| 29 | Mauritius | 84.1% | 2024 | up 10.3% | rising |
| 30 | Ukraine | 84.0% | 2024 | up 300.4% | volatile |
| 31 | Australia | 83.8% | 2024 | down 16.2% | falling |
| 32 | Iran, Islamic Republic of | 83.6% | 2024 | down 8.1% | rising |
| 33 | Kenya | 81.7% | 2024 | up 27.3% | rising |
| 34 | Portugal | 80.9% | 2024 | up 0.8% | rising |
| 35 | Greece | 80.7% | 2024 | down 10.0% | flat |
| 36 | Venezuela, Bolivarian Republic of | 79.1% | 2024 | up 108.7% | rising |
| 37 | Sri Lanka | 75.7% | 2024 | up 2.2% | rising |
| 38 | Czechia | 74.8% | 2024 | up 49.5% | rising |
| 39 | Italy | 74.6% | 2024 | down 6.2% | rising |
| 40 | Malaysia | 74.4% | 2024 | up 27.0% | rising |
| 41 | Hungary | 72.4% | 2024 | up 61.1% | rising |
| 42 | Brazil | 71.7% | 2024 | up 19.6% | rising |
| 43 | Croatia | 71.5% | 2024 | up 9.6% | rising |
| 44 | Israel | 70.6% | 2024 | down 15.7% | falling |
| 45 | Türkiye | 70.3% | 2024 | up 48.0% | rising |
| 46 | Ghana | 67.9% | 2024 | up 172.9% | rising |
| 47 | Saudi Arabia | 66.6% | 2024 | up 3.9% | rising |
| 48 | Chile | 66.3% | 2024 | up 80.7% | rising |
| 49 | North Macedonia | 65.6% | 2024 | up 36.6% | rising |
| 50 | Uganda | 64.8% | 2024 | up 76.1% | rising |
| 51 | South Africa | 63.7% | 2024 | up 5.0% | rising |
| 52 | Argentina | 62.9% | 2024 | up 20.4% | rising |
| 53 | Russian Federation | 62.8% | 2024 | up 79.3% | rising |
| 54 | Zambia | 62.0% | 2024 | up 176.2% | volatile |
| 55 | Uruguay | 60.5% | 2024 | up 84.0% | rising |
| 56 | Serbia | 60.3% | 2024 | down 20.1% | rising |
| 57 | Kosovo | 59.8% | 2024 | up 66.8% | rising |
| 57 | Kosovo (UNSCR 1244) | 59.8% | 2024 | up 66.8% | rising |
| 59 | Gabon | 58.1% | 2024 | up 159.6% | volatile |
| 60 | Kazakhstan | 58.1% | 2024 | up 107.4% | rising |
| 61 | Bulgaria | 58.1% | 2024 | up 80.7% | rising |
| 62 | Armenia | 57.5% | 2024 | up 837.1% | volatile |
| 63 | Nepal | 57.1% | 2024 | up 92.7% | rising |
| 64 | Tanzania, United Republic of | 54.2% | 2024 | up 66.0% | rising |
| 65 | Bosnia and Herzegovina | 53.8% | 2024 | up 40.9% | rising |
| 66 | Costa Rica | 53.5% | 2024 | up 8.4% | rising |
| 67 | Georgia | 52.0% | 2024 | up 48.6% | rising |
| 68 | Botswana | 52.0% | 2024 | up 65.1% | rising |
| 69 | Poland | 51.1% | 2024 | up 0.8% | rising |
| 70 | Slovakia | 50.4% | 2024 | up 109.7% | rising |
| 71 | Ecuador | 50.1% | 2024 | up 67.7% | rising |
| 72 | Dominican Republic | 49.6% | 2024 | up 20.3% | rising |
| 73 | Togo | 48.3% | 2024 | up 276.0% | volatile |
| 74 | Benin | 47.4% | 2024 | up 283.4% | volatile |
| 75 | Burkina Faso | 45.1% | 2024 | up 326.9% | volatile |
| 76 | Cameroon | 44.6% | 2024 | up 689.0% | volatile |
| 77 | Malawi | 43.3% | 2024 | up 247.2% | rising |
| 78 | Nigeria | 42.2% | 2024 | up 50.3% | rising |
| 79 | Panama | 41.9% | 2024 | up 80.4% | rising |
| 80 | Congo | 41.5% | 2024 | up 287.3% | volatile |
| 81 | Romania | 41.0% | 2024 | up 18.7% | rising |
| 82 | Azerbaijan | 40.0% | 2024 | up 131.1% | rising |
| 83 | Uzbekistan | 39.3% | 2024 | up 61.5% | rising |
| 84 | Republic of Moldova | 38.4% | 2024 | up 1,662.0% | volatile |
| 85 | Jordan | 37.9% | 2024 | up 107.9% | rising |
| 86 | Indonesia | 37.6% | 2024 | up 138.5% | rising |
| 87 | El Salvador | 36.5% | 2024 | up 46.5% | rising |
| 88 | Colombia | 36.2% | 2024 | up 84.6% | rising |
| 89 | Bolivia, Plurinational State of | 35.8% | 2024 | up 79.2% | rising |
| 90 | Mexico | 35.2% | 2024 | up 17.3% | rising |
| 91 | Palestine, State of | 34.6% | 2024 | up 37.9% | rising |
| 92 | Philippines | 33.6% | 2024 | up 86.1% | rising |
| 93 | Viet Nam | 33.5% | 2024 | up 118.3% | volatile |
| 94 | Honduras | 32.6% | 2024 | up 52.2% | rising |
| 95 | Bangladesh | 31.2% | 2024 | up 25.2% | rising |
| 96 | Peru | 29.6% | 2024 | up 146.2% | volatile |
| 97 | Guatemala | 28.4% | 2024 | up 8.5% | rising |
| 98 | Sierra Leone | 26.7% | 2024 | up 64.0% | rising |
| 99 | Albania | 26.2% | 2024 | up 9.2% | rising |
| 100 | Algeria | 25.0% | 2024 | down 48.3% | falling |
| 101 | Mauritania | 21.3% | 2024 | up 18.4% | rising |
| 102 | Iraq | 19.9% | 2024 | up 112.4% | rising |
| 103 | Pakistan | 18.9% | 2024 | up 88.6% | rising |
| 104 | Lebanon | 16.2% | 2024 | down 50.5% | falling |
| 105 | Nicaragua | 13.3% | 2024 | up 66.2% | rising |
Regions and income groups
Aggregates are excluded from the country ranking above so that a region can never outrank a country.
- High income 82.8%
- Upper middle income 78.8%
- East Asia & Pacific (excluding high income) 78.2%
- South Asia 75.5%
- World 69.6%
- Low & middle income 69.1%
- Lower middle income 66.0%
- Europe & Central Asia (excluding high income) 60.2%
- Latin America & Caribbean (excluding high income) 52.7%
- Sub-Saharan Africa (excluding high income) 44.2%
- Middle East, North Africa, Afghanistan & Pakistan (excluding high income) 42.4%
- Low income 37.6%
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 (primary education or less, % of population ages 15+).