Account ownership at a financial institution or with a mobile-money-service provider, poorest 40% (% 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 (poorest 40%, share of population ages 15+).
Countries reporting
102
Highest
100.0%
Finland
Lowest
13.6%
Pakistan
Median
74.6%
Years covered
14
2011–2024
Data points
570
What the numbers show
Account ownership at a financial institution or with a mobile-money-service provider, poorest 40% (% of population ages 15+) is currently reported for 102 countries. The highest value is 100.0% in Finland; the lowest is 13.6% in Pakistan.
The median across all reporting countries is 74.6%, and the mean is 68.2%.
The gap between the highest and lowest reporting country is a factor of about 7.
Over the past decade 86 countries rose and 15 fell. The largest increase was in Cameroon (up 1,848.8%), and the largest decrease in Lebanon (down 38.1%).
Account ownership at a financial institution or with a: full country ranking
| # | Country | Latest | Year | 10-year change | Trend |
|---|---|---|---|---|---|
| 1 | Finland | 100.0% | 2024 | unchanged | flat |
| 1 | United Kingdom of Great Britain and Northern Ireland | 100.0% | 2024 | up 2.0% | flat |
| 3 | Austria | 99.2% | 2024 | up 3.0% | rising |
| 4 | Ireland | 99.0% | 2024 | up 7.3% | rising |
| 5 | Spain | 98.8% | 2024 | up 2.2% | rising |
| 6 | Belgium | 98.7% | 2024 | up 0.1% | flat |
| 7 | France | 98.7% | 2024 | up 4.5% | flat |
| 8 | Canada | 98.6% | 2024 | up 0.2% | flat |
| 9 | Germany | 98.6% | 2024 | up 1.6% | flat |
| 10 | Netherlands | 98.3% | 2024 | down 0.7% | flat |
| 11 | Slovenia | 98.1% | 2024 | up 2.4% | flat |
| 12 | Estonia | 98.0% | 2024 | up 0.9% | flat |
| 13 | Lithuania | 97.8% | 2024 | up 41.5% | rising |
| 14 | Denmark | 97.8% | 2024 | down 2.2% | flat |
| 15 | Japan | 97.7% | 2024 | up 0.7% | flat |
| 16 | Mongolia | 97.4% | 2024 | up 9.3% | rising |
| 17 | Australia | 96.8% | 2024 | down 3.2% | flat |
| 18 | New Zealand | 96.8% | 2024 | down 2.6% | flat |
| 19 | Sweden | 96.6% | 2024 | down 2.7% | flat |
| 20 | United States of America | 95.6% | 2024 | up 9.0% | rising |
| 21 | Republic of Korea | 94.2% | 2024 | down 0.2% | flat |
| 22 | Cyprus | 94.2% | 2024 | up 7.0% | rising |
| 23 | Malta | 93.4% | 2024 | down 1.3% | flat |
| 24 | Latvia | 91.6% | 2024 | up 5.9% | rising |
| 25 | Thailand | 91.2% | 2024 | up 27.8% | rising |
| 26 | Portugal | 87.7% | 2024 | up 9.4% | rising |
| 27 | Croatia | 87.6% | 2024 | up 11.1% | rising |
| 28 | Slovakia | 87.0% | 2024 | up 24.5% | rising |
| 29 | Iran, Islamic Republic of | 86.9% | 2024 | down 3.4% | rising |
| 30 | Mauritius | 86.3% | 2024 | up 20.0% | rising |
| 31 | India | 86.3% | 2024 | up 97.9% | rising |
| 32 | Czechia | 85.6% | 2024 | up 11.0% | rising |
| 33 | Venezuela, Bolivarian Republic of | 84.4% | 2024 | up 75.8% | rising |
| 34 | Kenya | 83.9% | 2024 | up 32.8% | rising |
| 35 | Kazakhstan | 83.3% | 2024 | up 86.3% | rising |
| 36 | China | 82.7% | 2024 | up 13.8% | rising |
| 37 | Italy | 82.1% | 2024 | down 0.6% | rising |
| 38 | Malaysia | 82.0% | 2024 | up 9.0% | rising |
| 39 | Ukraine | 81.5% | 2024 | up 86.4% | rising |
| 40 | Israel | 80.4% | 2024 | down 5.5% | flat |
| 41 | Sri Lanka | 80.2% | 2024 | up 1.9% | rising |
| 42 | Poland | 80.1% | 2024 | up 12.3% | rising |
| 43 | Greece | 79.6% | 2024 | down 3.3% | rising |
| 44 | Hungary | 78.9% | 2024 | up 18.5% | rising |
| 45 | North Macedonia | 78.4% | 2024 | up 31.0% | rising |
| 46 | Brazil | 78.1% | 2024 | up 36.5% | rising |
| 47 | Bulgaria | 77.7% | 2024 | up 57.3% | rising |
| 48 | Türkiye | 75.5% | 2024 | up 47.7% | rising |
| 49 | Chile | 75.4% | 2024 | up 40.1% | rising |
| 50 | Serbia | 75.1% | 2024 | down 8.9% | rising |
| 51 | Argentina | 74.7% | 2024 | up 67.3% | rising |
| 52 | Saudi Arabia | 74.6% | 2024 | up 15.1% | rising |
| 53 | South Africa | 74.2% | 2024 | up 31.7% | rising |
| 54 | Russian Federation | 70.6% | 2024 | up 11.8% | rising |
| 55 | Bosnia and Herzegovina | 70.4% | 2024 | up 72.6% | rising |
| 56 | Ghana | 69.6% | 2024 | up 107.6% | rising |
| 57 | Georgia | 69.1% | 2024 | up 143.6% | rising |
| 58 | Uganda | 66.9% | 2024 | up 132.2% | rising |
| 59 | Kosovo | 66.7% | 2024 | up 65.8% | rising |
| 59 | Kosovo (UNSCR 1244) | 66.7% | 2024 | up 65.8% | rising |
| 61 | Armenia | 64.0% | 2024 | up 477.3% | volatile |
| 62 | Uruguay | 62.9% | 2024 | up 89.2% | rising |
| 63 | Costa Rica | 62.8% | 2024 | up 10.7% | rising |
| 64 | Uzbekistan | 61.7% | 2024 | up 77.0% | rising |
| 65 | Gabon | 60.0% | 2024 | up 241.6% | volatile |
| 66 | Zambia | 58.8% | 2024 | up 185.8% | volatile |
| 67 | Ecuador | 56.4% | 2024 | up 81.8% | rising |
| 68 | Romania | 55.4% | 2024 | up 23.6% | rising |
| 69 | Nepal | 53.0% | 2024 | up 119.6% | rising |
| 70 | Dominican Republic | 53.0% | 2024 | up 28.2% | rising |
| 71 | Tanzania, United Republic of | 50.9% | 2024 | up 105.3% | rising |
| 72 | Botswana | 49.4% | 2024 | up 54.6% | rising |
| 73 | Indonesia | 48.4% | 2024 | up 118.8% | rising |
| 74 | Viet Nam | 48.1% | 2024 | up 157.1% | volatile |
| 75 | Nigeria | 46.7% | 2024 | up 53.2% | rising |
| 76 | Bolivia, Plurinational State of | 45.6% | 2024 | up 75.8% | rising |
| 77 | Panama | 45.5% | 2024 | up 42.8% | rising |
| 78 | Cameroon | 44.9% | 2024 | up 1,848.8% | volatile |
| 79 | Peru | 44.6% | 2024 | up 183.8% | volatile |
| 80 | Togo | 43.7% | 2024 | up 436.2% | volatile |
| 81 | Republic of Moldova | 43.5% | 2024 | up 293.1% | volatile |
| 82 | Colombia | 42.9% | 2024 | up 76.0% | rising |
| 83 | Congo | 41.7% | 2024 | up 494.3% | volatile |
| 84 | Benin | 41.5% | 2024 | up 314.5% | volatile |
| 85 | Azerbaijan | 41.2% | 2024 | up 66.0% | rising |
| 86 | Mexico | 39.6% | 2024 | up 34.9% | rising |
| 87 | Burkina Faso | 38.5% | 2024 | up 499.4% | volatile |
| 88 | Zimbabwe | 38.2% | 2024 | up 134.4% | rising |
| 89 | Malawi | 38.1% | 2024 | up 307.0% | volatile |
| 90 | Jordan | 35.7% | 2024 | up 118.6% | rising |
| 91 | Bangladesh | 35.5% | 2024 | up 54.3% | rising |
| 92 | Philippines | 34.4% | 2024 | up 90.9% | rising |
| 93 | Honduras | 33.7% | 2024 | up 61.6% | rising |
| 94 | Palestine, State of | 33.1% | 2024 | up 111.7% | rising |
| 95 | Algeria | 31.2% | 2024 | down 15.5% | rising |
| 96 | Albania | 30.2% | 2024 | up 26.3% | rising |
| 97 | Guatemala | 28.3% | 2024 | down 2.6% | rising |
| 98 | El Salvador | 24.7% | 2024 | up 12.7% | rising |
| 99 | Iraq | 20.2% | 2024 | up 139.9% | rising |
| 100 | Nicaragua | 19.6% | 2024 | up 121.7% | rising |
| 101 | Lebanon | 17.6% | 2024 | down 38.1% | falling |
| 102 | Pakistan | 13.6% | 2024 | up 39.5% | rising |
Regions and income groups
Aggregates are excluded from the country ranking above so that a region can never outrank a country.
- High income 92.8%
- Upper middle income 76.8%
- East Asia & Pacific (excluding high income) 75.7%
- South Asia 73.3%
- World 72.4%
- Europe & Central Asia (excluding high income) 71.1%
- Low & middle income 68.2%
- Lower middle income 63.4%
- Latin America & Caribbean (excluding high income) 59.5%
- Sub-Saharan Africa (excluding high income) 47.2%
- Middle East, North Africa, Afghanistan & Pakistan (excluding high income) 45.9%
- Low income 37.3%
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 (poorest 40%, share of population ages 15+).