Proportion of adults (15 years and older) with an account at a financial institution or mobile-money-service provider, by sex (% of adults aged 15 years and older) by country
Countries reporting
122
Highest
99.8%
Finland
Lowest
14.8%
Niger
Median
78.8%
Years covered
14
2011–2024
Data points
800
What the numbers show
Proportion of adults (15 years and older) with an account at a financial institution or mobile-money-service provider, by sex (% of adults aged 15 years and older) is currently reported for 122 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 72.2%.
The gap between the highest and lowest reporting country is a factor of about 7.
Over the past decade 106 countries rose and 16 fell. The largest increase was in Guinea (up 417.9%), and the largest decrease in Lebanon (down 50.9%).
Proportion of adults (15 years and older) with an account at a: 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 of Great Britain and Northern Ireland | 99.3% | 2024 | up 0.4% | flat |
| 3 | United Kingdom of Great Britain and Northern Ireland | 99.3% | 2024 | up 0.4% | flat |
| 5 | France | 99.2% | 2024 | up 2.7% | flat |
| 6 | Netherlands (Kingdom of the) | 99.2% | 2024 | down 0.1% | flat |
| 7 | Lithuania | 99.0% | 2024 | up 27.1% | rising |
| 8 | Estonia | 98.9% | 2024 | up 1.3% | flat |
| 9 | Slovenia | 98.7% | 2024 | up 1.5% | flat |
| 10 | Denmark | 98.7% | 2024 | down 1.3% | flat |
| 11 | Sweden | 98.6% | 2024 | down 1.2% | flat |
| 12 | Japan | 98.5% | 2024 | up 1.9% | flat |
| 13 | Canada | 98.4% | 2024 | down 0.7% | flat |
| 14 | Spain | 98.4% | 2024 | up 0.8% | flat |
| 15 | Germany | 98.3% | 2024 | down 0.5% | flat |
| 16 | Ireland | 98.3% | 2024 | up 3.8% | rising |
| 17 | Mongolia | 98.3% | 2024 | up 7.0% | rising |
| 18 | Belgium | 98.2% | 2024 | up 0.1% | flat |
| 19 | Australia | 98.0% | 2024 | down 0.9% | flat |
| 20 | Australia and New Zealand | 98.0% | 2024 | down 1.0% | flat |
| 21 | Singapore | 98.0% | 2024 | up 1.7% | flat |
| 22 | New Zealand | 97.9% | 2024 | down 1.7% | flat |
| 23 | United States of America | 97.0% | 2024 | up 3.7% | rising |
| 24 | Republic of Korea | 96.9% | 2024 | up 2.7% | rising |
| 24 | Republic of Korea | 96.9% | 2024 | up 2.7% | rising |
| 26 | Malta | 96.6% | 2024 | up 0.2% | flat |
| 27 | Cyprus | 96.1% | 2024 | up 6.6% | rising |
| 28 | Latvia | 95.0% | 2024 | up 5.3% | rising |
| 29 | Croatia | 92.6% | 2024 | up 7.7% | rising |
| 30 | Czechia | 92.3% | 2024 | up 12.3% | rising |
| 31 | Slovakia | 92.2% | 2024 | up 19.4% | rising |
| 32 | Thailand | 91.8% | 2024 | up 17.5% | rising |
| 33 | Portugal | 91.4% | 2024 | up 4.6% | rising |
| 34 | Iran (Islamic Republic of) | 91.1% | 2024 | down 1.3% | rising |
| 35 | Kenya | 90.1% | 2024 | up 20.7% | rising |
| 36 | Mauritius | 89.6% | 2024 | up 9.0% | rising |
| 37 | China | 89.4% | 2024 | up 13.2% | rising |
| 38 | Israel | 89.3% | 2024 | down 0.8% | flat |
| 39 | India | 89.0% | 2024 | up 67.5% | rising |
| 40 | Malaysia | 88.7% | 2024 | up 9.9% | rising |
| 41 | Greece | 88.6% | 2024 | up 1.2% | rising |
| 42 | Ukraine | 87.6% | 2024 | up 66.1% | rising |
| 43 | Venezuela (Bolivarian Republic of) | 87.3% | 2024 | up 53.1% | rising |
| 44 | Kazakhstan | 87.0% | 2024 | up 61.5% | rising |
| 45 | Hungary | 87.0% | 2024 | up 20.3% | rising |
| 46 | Brazil | 86.4% | 2024 | up 26.8% | rising |
| 47 | Poland | 86.1% | 2024 | up 10.6% | rising |
| 48 | Italy | 86.0% | 2024 | down 1.5% | rising |
| 49 | Chile | 85.1% | 2024 | up 34.5% | rising |
| 50 | Bulgaria | 84.7% | 2024 | up 34.5% | rising |
| 51 | North Macedonia | 84.3% | 2024 | up 17.3% | rising |
| 52 | Serbia | 83.3% | 2024 | up 0.2% | rising |
| 53 | Argentina | 81.7% | 2024 | up 62.8% | rising |
| 54 | Sri Lanka | 81.7% | 2024 | down 1.2% | rising |
| 55 | Türkiye | 81.6% | 2024 | up 43.9% | rising |
| 55 | Türkiye | 81.6% | 2024 | up 43.9% | rising |
| 57 | Ghana | 81.2% | 2024 | up 100.6% | rising |
| 58 | South Africa | 81.1% | 2024 | up 15.4% | rising |
| 59 | Russian Federation | 79.3% | 2024 | up 17.7% | rising |
| 59 | Russian Federation | 79.3% | 2024 | up 17.7% | rising |
| 61 | Saudi Arabia | 78.8% | 2024 | up 13.6% | rising |
| 62 | Georgia | 78.8% | 2024 | up 98.7% | rising |
| 63 | Bosnia and Herzegovina | 77.5% | 2024 | up 47.0% | rising |
| 64 | Senegal | 76.5% | 2024 | up 395.7% | volatile |
| 65 | Uruguay | 73.7% | 2024 | up 61.8% | rising |
| 66 | Uganda | 72.8% | 2024 | up 63.9% | rising |
| 67 | Zambia | 72.7% | 2024 | up 104.0% | rising |
| 68 | Kyrgyzstan | 72.3% | 2024 | up 291.2% | volatile |
| 69 | Armenia | 71.4% | 2024 | up 303.9% | volatile |
| 70 | Costa Rica | 71.4% | 2024 | up 10.5% | rising |
| 71 | Romania | 71.3% | 2024 | up 17.3% | rising |
| 72 | Viet Nam | 70.6% | 2024 | up 127.9% | rising |
| 72 | Viet Nam | 70.6% | 2024 | up 127.9% | rising |
| 74 | Gabon | 68.2% | 2024 | up 106.5% | rising |
| 75 | Dominican Republic | 64.8% | 2024 | up 19.8% | rising |
| 76 | Ecuador | 64.5% | 2024 | up 39.6% | rising |
| 77 | Kosovo | 64.2% | 2024 | up 34.2% | rising |
| 78 | Panama | 64.1% | 2024 | up 46.8% | rising |
| 79 | Nigeria | 63.3% | 2024 | up 42.3% | rising |
| 80 | Botswana | 61.4% | 2024 | up 18.2% | rising |
| 81 | Cameroon | 60.9% | 2024 | up 399.9% | volatile |
| 82 | Nepal | 60.0% | 2024 | up 77.5% | rising |
| 83 | United Republic of Tanzania | 59.8% | 2024 | up 50.4% | rising |
| 84 | Uzbekistan | 59.7% | 2024 | up 46.5% | rising |
| 85 | Peru | 59.3% | 2024 | up 104.7% | rising |
| 86 | Togo | 57.4% | 2024 | up 214.7% | volatile |
| 87 | Colombia | 57.1% | 2024 | up 46.3% | rising |
| 88 | Bolivia (Plurinational State of) | 56.8% | 2024 | up 36.0% | rising |
| 89 | Indonesia | 56.3% | 2024 | up 56.2% | rising |
| 90 | Azerbaijan | 56.3% | 2024 | up 93.1% | rising |
| 91 | Congo | 55.6% | 2024 | up 225.6% | volatile |
| 92 | Republic of Moldova | 55.5% | 2024 | up 212.8% | rising |
| 92 | Republic of Moldova | 55.5% | 2024 | up 212.8% | rising |
| 94 | Mali | 54.7% | 2024 | up 172.7% | volatile |
| 95 | Tajikistan | 54.5% | 2024 | up 375.8% | volatile |
| 96 | Mexico | 53.0% | 2024 | up 35.5% | rising |
| 97 | Benin | 51.8% | 2024 | up 211.9% | volatile |
| 98 | Burkina Faso | 51.4% | 2024 | up 258.2% | rising |
| 99 | Malawi | 50.4% | 2024 | up 178.4% | rising |
| 100 | Philippines | 50.2% | 2024 | up 60.4% | rising |
| 101 | Zimbabwe | 49.5% | 2024 | up 52.9% | rising |
| 102 | Jordan | 46.5% | 2024 | up 88.7% | rising |
| 103 | Albania | 46.1% | 2024 | up 21.3% | rising |
| 104 | El Salvador | 43.4% | 2024 | up 18.2% | rising |
| 105 | Bangladesh | 43.3% | 2024 | up 39.7% | rising |
| 106 | Egypt | 43.1% | 2024 | up 205.2% | rising |
| 107 | Honduras | 42.4% | 2024 | up 34.8% | rising |
| 108 | State of Palestine | 39.6% | 2024 | up 63.4% | rising |
| 109 | Democratic Republic of the Congo | 39.2% | 2024 | up 124.4% | volatile |
| 110 | Cambodia | 39.0% | 2024 | up 76.1% | volatile |
| 111 | Sierra Leone | 38.6% | 2024 | up 147.9% | rising |
| 112 | Guatemala | 38.3% | 2024 | down 7.4% | rising |
| 113 | Guinea | 36.0% | 2024 | up 417.9% | volatile |
| 114 | Algeria | 35.3% | 2024 | down 30.1% | flat |
| 115 | Iraq | 30.2% | 2024 | up 174.9% | rising |
| 116 | Mauritania | 27.3% | 2024 | up 19.5% | rising |
| 117 | Pakistan | 27.3% | 2024 | up 109.4% | rising |
| 118 | Madagascar | 24.5% | 2024 | up 185.9% | volatile |
| 119 | Nicaragua | 23.5% | 2024 | up 20.7% | rising |
| 120 | Lebanon | 23.0% | 2024 | down 50.9% | falling |
| 121 | Chad | 20.9% | 2024 | up 68.1% | rising |
| 122 | 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.
- Northern Europe 99.0%
- Western Europe 98.7%
- Oceania 98.0%
- China, Hong Kong Special Administrative Region 97.3%
- Northern America 97.2%
- United States of America 97.0%
- Other non-specified areas in Eastern Asia 95.6%
- Developed regions (Europe, Cyprus, Israel, Northern America, Japan, Australia & New Zealand) 93.5%
- Europe and Northern America 92.8%
- Europe 90.7%
- Eastern Asia 90.2%
- Southern Europe 89.9%
- Eastern and South-Eastern Asia 84.5%
- Eastern Europe 81.9%
- Asia 81.2%
- Americas 80.8%
- Southern Africa 79.4%
- World 78.7%
- Southern Asia 78.2%
- South America 78.2%
- Central and Southern Asia 77.9%
- Small island developing States (SIDS) 77.0%
- Developing regions 75.6%
- Latin America and the Caribbean 70.2%
- Central Asia 68.0%
- Western Asia 67.0%
- Caribbean 65.9%
- South-Eastern Asia 63.7%
- Eastern Africa 58.8%
- Western Africa 58.7%
- Sub-Saharan Africa 58.2%
- Landlocked developing countries (LLDCs) 55.3%
- Africa 54.9%
- Northern Africa and Western Asia 54.6%
- Central America 50.6%
- Least Developed Countries (LDCs) 47.6%
- Middle Africa 42.3%
- Northern Africa 41.0%