Account ownership at a financial institution or with a mobile-money-service provider, secondary education or more (% 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 (secondary education or more, % of population ages 15+).
Countries reporting
105
Highest
99.8%
Finland
Lowest
26.3%
Lebanon
Median
87.8%
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, secondary education or more (% of population ages 15+) is currently reported for 105 countries. The highest value is 99.8% in Finland; the lowest is 26.3% in Lebanon.
The median across all reporting countries is 87.8%, and the mean is 80.9%.
The gap between the highest and lowest reporting country is a factor of about 4.
Over the past decade 88 countries rose and 17 fell. The largest increase was in Sierra Leone (up 332.0%), and the largest decrease in Lebanon (down 52.4%).
Account ownership at a financial institution or with a: full country ranking
| # | Country | Latest | Year | 10-year change | Trend |
|---|---|---|---|---|---|
| 1 | Finland | 99.8% | 2024 | down 0.2% | flat |
| 2 | Mongolia | 99.5% | 2024 | up 2.7% | rising |
| 3 | Netherlands | 99.5% | 2024 | up 0.2% | flat |
| 4 | Austria | 99.5% | 2024 | up 2.7% | flat |
| 5 | Estonia | 99.4% | 2024 | down 0.2% | flat |
| 6 | France | 99.4% | 2024 | up 2.2% | flat |
| 7 | United Kingdom of Great Britain and Northern Ireland | 99.2% | 2024 | up 0.4% | flat |
| 8 | Lithuania | 98.9% | 2024 | up 10.6% | rising |
| 9 | Spain | 98.9% | 2024 | up 0.8% | flat |
| 10 | Japan | 98.9% | 2024 | down 0.8% | flat |
| 11 | Slovenia | 98.8% | 2024 | down 0.3% | flat |
| 12 | New Zealand | 98.8% | 2024 | down 1.0% | flat |
| 13 | Sweden | 98.8% | 2024 | down 1.1% | flat |
| 14 | Belgium | 98.7% | 2024 | up 0.9% | flat |
| 15 | Republic of Korea | 98.7% | 2024 | up 3.4% | rising |
| 16 | Singapore | 98.7% | 2024 | up 2.0% | flat |
| 17 | Denmark | 98.6% | 2024 | down 1.4% | flat |
| 18 | Ireland | 98.6% | 2024 | up 1.3% | flat |
| 19 | Hong Kong, China | 98.5% | 2024 | up 1.6% | rising |
| 20 | Australia | 98.5% | 2024 | down 0.6% | flat |
| 21 | Canada | 98.5% | 2024 | down 1.1% | flat |
| 22 | Croatia | 98.3% | 2024 | up 5.1% | rising |
| 23 | Germany | 98.2% | 2024 | down 0.6% | flat |
| 24 | Latvia | 97.5% | 2024 | up 2.7% | flat |
| 25 | Malta | 97.2% | 2024 | up 0.0% | flat |
| 26 | United States of America | 97.1% | 2024 | up 2.9% | rising |
| 27 | Cyprus | 95.9% | 2024 | up 4.4% | flat |
| 28 | Portugal | 95.4% | 2024 | down 0.3% | rising |
| 29 | Slovakia | 95.3% | 2024 | up 6.9% | rising |
| 30 | Czechia | 94.8% | 2024 | up 6.2% | rising |
| 31 | Italy | 94.5% | 2024 | down 0.1% | rising |
| 32 | China | 94.5% | 2024 | up 4.9% | rising |
| 33 | Kenya | 94.3% | 2024 | up 10.0% | rising |
| 34 | Iran, Islamic Republic of | 94.1% | 2024 | up 1.4% | rising |
| 35 | Thailand | 93.9% | 2024 | up 10.0% | rising |
| 36 | North Macedonia | 93.8% | 2024 | up 6.2% | rising |
| 37 | Brazil | 93.5% | 2024 | up 25.1% | rising |
| 38 | Mauritius | 93.4% | 2024 | up 7.8% | rising |
| 39 | India | 93.1% | 2024 | up 45.0% | rising |
| 40 | Malaysia | 92.5% | 2024 | up 9.6% | rising |
| 41 | Poland | 92.2% | 2024 | up 10.2% | rising |
| 42 | Bulgaria | 91.7% | 2024 | up 19.3% | rising |
| 43 | Chile | 91.4% | 2024 | up 28.2% | rising |
| 44 | Kazakhstan | 91.2% | 2024 | up 56.8% | rising |
| 45 | Venezuela, Bolivarian Republic of | 90.5% | 2024 | up 41.7% | rising |
| 46 | Serbia | 90.4% | 2024 | up 4.2% | rising |
| 47 | Bosnia and Herzegovina | 90.3% | 2024 | up 43.3% | rising |
| 48 | Israel | 90.1% | 2024 | down 0.0% | flat |
| 49 | Hungary | 89.9% | 2024 | up 7.6% | rising |
| 50 | Greece | 89.6% | 2024 | up 3.2% | rising |
| 51 | Ghana | 89.4% | 2024 | up 66.9% | rising |
| 52 | Argentina | 88.3% | 2024 | up 80.6% | rising |
| 53 | Ukraine | 87.8% | 2024 | up 48.8% | rising |
| 54 | Uruguay | 86.3% | 2024 | up 62.9% | rising |
| 55 | South Africa | 85.7% | 2024 | up 16.0% | rising |
| 56 | Türkiye | 84.8% | 2024 | up 39.1% | rising |
| 57 | Sri Lanka | 84.5% | 2024 | down 7.5% | rising |
| 58 | Zambia | 84.3% | 2024 | up 65.6% | rising |
| 59 | Georgia | 82.3% | 2024 | up 100.9% | rising |
| 60 | Russian Federation | 81.4% | 2024 | up 11.2% | rising |
| 61 | Costa Rica | 81.1% | 2024 | up 10.5% | rising |
| 62 | Romania | 80.3% | 2024 | up 11.1% | rising |
| 63 | Uganda | 80.2% | 2024 | up 41.1% | rising |
| 64 | Nigeria | 79.7% | 2024 | up 42.2% | rising |
| 65 | Saudi Arabia | 79.3% | 2024 | up 11.9% | rising |
| 66 | Gabon | 78.2% | 2024 | up 73.1% | rising |
| 67 | Tanzania, United Republic of | 78.1% | 2024 | up 14.7% | rising |
| 68 | Cameroon | 77.3% | 2024 | up 255.6% | volatile |
| 69 | Viet Nam | 75.2% | 2024 | up 87.3% | rising |
| 70 | Burkina Faso | 75.0% | 2024 | up 97.9% | rising |
| 71 | Dominican Republic | 73.5% | 2024 | up 0.9% | rising |
| 72 | Armenia | 72.6% | 2024 | up 253.6% | rising |
| 73 | Togo | 72.6% | 2024 | up 121.7% | rising |
| 74 | Malawi | 72.1% | 2024 | up 93.9% | rising |
| 75 | Ecuador | 72.1% | 2024 | up 40.5% | rising |
| 76 | Panama | 70.4% | 2024 | up 39.4% | rising |
| 77 | Kosovo | 69.6% | 2024 | up 10.8% | rising |
| 77 | Kosovo (UNSCR 1244) | 69.6% | 2024 | up 10.8% | rising |
| 79 | Nepal | 68.8% | 2024 | up 32.4% | rising |
| 80 | Indonesia | 68.3% | 2024 | up 27.2% | rising |
| 81 | Bolivia, Plurinational State of | 66.7% | 2024 | up 38.5% | rising |
| 82 | Peru | 66.5% | 2024 | up 100.7% | rising |
| 83 | Congo | 66.3% | 2024 | up 184.2% | volatile |
| 84 | Benin | 66.0% | 2024 | up 106.3% | rising |
| 85 | Botswana | 65.9% | 2024 | up 6.7% | rising |
| 86 | Colombia | 64.5% | 2024 | up 39.8% | rising |
| 87 | Uzbekistan | 63.9% | 2024 | up 32.5% | rising |
| 88 | Albania | 62.3% | 2024 | up 10.7% | rising |
| 89 | Honduras | 61.5% | 2024 | up 37.8% | rising |
| 90 | Mexico | 60.9% | 2024 | up 31.7% | rising |
| 91 | Sierra Leone | 59.0% | 2024 | up 332.0% | rising |
| 92 | Azerbaijan | 58.6% | 2024 | up 85.2% | rising |
| 93 | Philippines | 57.9% | 2024 | up 57.2% | rising |
| 94 | Republic of Moldova | 57.0% | 2024 | up 161.3% | rising |
| 95 | El Salvador | 56.8% | 2024 | up 8.8% | rising |
| 96 | Bangladesh | 50.3% | 2024 | up 35.1% | rising |
| 97 | Guatemala | 50.1% | 2024 | down 5.8% | rising |
| 98 | Jordan | 48.4% | 2024 | up 80.3% | rising |
| 99 | Pakistan | 46.7% | 2024 | up 85.3% | rising |
| 100 | Mauritania | 44.4% | 2024 | up 39.9% | rising |
| 101 | Iraq | 42.3% | 2024 | up 223.1% | rising |
| 102 | Palestine, State of | 40.7% | 2024 | up 70.2% | rising |
| 103 | Algeria | 38.8% | 2024 | down 29.8% | falling |
| 104 | Nicaragua | 33.5% | 2024 | up 26.9% | rising |
| 105 | Lebanon | 26.3% | 2024 | down 52.4% | falling |
Regions and income groups
Aggregates are excluded from the country ranking above so that a region can never outrank a country.
- High income 96.3%
- Upper middle income 88.0%
- East Asia & Pacific (excluding high income) 88.0%
- World 85.6%
- Low & middle income 81.7%
- South Asia 81.4%
- Europe & Central Asia (excluding high income) 80.9%
- Latin America & Caribbean (excluding high income) 77.6%
- Lower middle income 75.6%
- Sub-Saharan Africa (excluding high income) 75.3%
- Low income 63.5%
- Middle East, North Africa, Afghanistan & Pakistan (excluding high income) 60.6%
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 (secondary education or more, % of population ages 15+).