Adults with a bank or mobile money account (% ages 15+)
Share of adults (15+) with an account at a financial institution or a mobile-money provider, a key measure of financial inclusion (Global Findex, 2021).
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Key Insights
- •Account ownership is near-universal (≈98–100%) in many high-income economies (e.g., Nordic countries, Canada, New Zealand).
- •Several low-income or conflict-affected countries remain below ~25%, highlighting persistent gaps in basic financial access.
- •Mobile money helps lift inclusion in parts of Sub-Saharan Africa (e.g., Kenya, Ghana, Rwanda) relative to peers at similar income levels.
- •Large emerging economies show diverse outcomes: India is high (≈78%) while Pakistan remains much lower (≈21%) in 2021.
Country Rankings
Top 10 Countries
Bottom 10 Countries
Data Analysis
Value Distribution
How countries are distributed across the value range
Regional Comparison
Average values by world region (Global avg: 61.5%)
About This Statistic
This statistic measures the percentage of adults ages 15 and older who report having an account at a bank or another financial institution, or personally using a mobile money service. It is one of the most widely used indicators of financial inclusion, capturing access to basic financial tools for saving, receiving payments, and managing money.
The data come from the World Bank’s Global Findex Database (2021), based on nationally representative surveys (Gallup World Poll) and harmonized definitions across countries. It is especially useful for comparing inclusion across regions and income groups, and for tracking progress toward broader development goals like poverty reduction and economic resilience.
Full Data
| Rank ↑ | Country ↕ | Value ↕ |
|---|---|---|
| 1 | Canada | 100.0% |
| 2 | Iceland | 100.0% |
| 3 | New Zealand | 100.0% |
| 4 | Norway | 100.0% |
| 5 | Argentina | 100.0% |
| 6 | Denmark | 99.0% |
| 7 | Finland | 99.0% |
| 8 | France | 99.0% |
| 9 | Germany | 99.0% |
| 10 | Ireland | 99.0% |
| 11 | Luxembourg | 99.0% |
| 12 | Netherlands | 99.0% |
| 13 | Sweden | 99.0% |
| 14 | Switzerland | 99.0% |
| 15 | United Kingdom | 99.0% |
| 16 | Australia | 99.0% |
| 17 | Estonia | 98.0% |
| 18 | Italy | 98.0% |
| 19 | Japan | 98.0% |
| 20 | Singapore | 98.0% |
| 21 | Belgium | 98.0% |
| 22 | Israel | 97.0% |
| 23 | Latvia | 97.0% |
| 24 | Slovenia | 97.0% |
| 25 | South Korea | 96.0% |
| 26 | Lithuania | 96.0% |
| 27 | Spain | 96.0% |
| 28 | Thailand | 96.0% |
| 29 | Brazil | 96.0% |
| 30 | Croatia | 95.0% |
| 31 | United States of America | 95.0% |
| 32 | Islamic Republic of Iran | 94.0% |
| 33 | Mongolia | 93.0% |
| 34 | Mauritius | 91.0% |
| 35 | Austria | 91.0% |
| 36 | People's Republic of China | 90.0% |
| 37 | Portugal | 90.0% |
| 38 | Qatar | 89.0% |
| 39 | United Arab Emirates | 88.0% |
| 40 | Afghanistan | 88.0% |
| 41 | Armenia | 88.0% |
| 42 | Maldives | 87.0% |
| 43 | Poland | 87.0% |
| 44 | Russian Federation | 87.0% |
| 45 | Cyprus | 86.0% |
| 46 | Greece | 86.0% |
| 47 | Slovakia | 86.0% |
| 48 | Hungary | 85.0% |
| 49 | Malaysia | 85.0% |
| 50 | South Africa | 85.0% |
| 51 | Cayman Islands | 84.0% |
| 52 | Serbia | 83.0% |
| 53 | Bahrain | 83.0% |
| 54 | Algeria | 82.0% |
| 55 | Belarus | 81.0% |
| 56 | Czech Republic | 81.0% |
| 57 | Kazakhstan | 81.0% |
| 58 | Kuwait | 80.0% |
| 59 | Kenya | 79.0% |
| 60 | Ukraine | 79.0% |
| 61 | India | 78.0% |
| 62 | Türkiye | 77.0% |
| 63 | The Republic of North Macedonia | 77.0% |
| 64 | Botswana | 76.0% |
| 65 | Belize | 75.0% |
| 66 | Sri Lanka | 74.0% |
| 67 | Chile | 74.0% |
| 68 | Oman | 72.0% |
| 69 | Saudi Arabia | 72.0% |
| 70 | Romania | 71.0% |
| 71 | Uruguay | 71.0% |
| 72 | Samoa | 69.0% |
| 73 | Costa Rica | 68.0% |
| 74 | Ghana | 68.0% |
| 75 | Suriname | 65.0% |
| 76 | Ecuador | 64.0% |
| 77 | Namibia | 64.0% |
| 78 | Georgia | 61.0% |
| 79 | Virgin Islands, British | 61.0% |
| 80 | Colombia | 60.0% |
| 81 | Gabon | 59.0% |
| 82 | Benin | 58.0% |
| 83 | Rwanda | 58.0% |
| 84 | Trinidad and Tobago | 58.0% |
| 85 | Panama | 57.0% |
| 86 | Malta | 56.0% |
| 87 | Paraguay | 56.0% |
| 88 | Peru | 56.0% |
| 89 | Vietnam | 56.0% |
| 90 | Bulgaria | 55.0% |
| 91 | Central African Republic | 55.0% |
| 92 | Dominican Republic | 55.0% |
| 93 | Albania | 55.0% |
| 94 | Venezuela | 54.0% |
| 95 | Bolivia | 54.0% |
| 96 | Bangladesh | 53.0% |
| 97 | Cuba | 52.0% |
| 98 | Indonesia | 52.0% |
| 99 | United Republic of Tanzania | 52.0% |
| 100 | Guatemala | 51.0% |
| 101 | Philippines | 51.0% |
| 102 | Honduras | 49.0% |
| 103 | Mexico | 49.0% |
| 104 | Jamaica | 47.0% |
| 105 | Jordan | 47.0% |
| 106 | Lebanon | 47.0% |
| 107 | Nicaragua | 47.0% |
| 108 | Ethiopia | 46.0% |
| 109 | Lesotho | 46.0% |
| 110 | El Salvador | 45.0% |
| 111 | Kyrgyzstan | 45.0% |
| 112 | Nepal | 45.0% |
| 113 | Nigeria | 45.0% |
| 114 | Angola | 45.0% |
| 115 | Moldova, Republic of | 44.0% |
| 116 | Morocco | 44.0% |
| 117 | Uzbekistan | 44.0% |
| 118 | Bosnia and Herzegovina | 43.0% |
| 119 | Senegal | 42.0% |
| 120 | Cote d'Ivoire | 41.0% |
| 121 | Tunisia | 40.0% |
| 122 | Djibouti | 38.0% |
| 123 | Cameroon | 35.0% |
| 124 | Uganda | 35.0% |
| 125 | Republic of the Congo | 34.0% |
| 126 | Cambodia | 33.0% |
| 127 | Lao People's Democratic Republic | 32.0% |
| 128 | Mozambique | 30.0% |
| 129 | Zambia | 28.0% |
| 130 | Burundi | 27.0% |
| 131 | Cape Verde | 27.0% |
| 132 | Papua New Guinea | 27.0% |
| 133 | Egypt | 27.0% |
| 134 | Myanmar | 26.0% |
| 135 | Zimbabwe | 24.0% |
| 136 | Iraq | 23.0% |
| 137 | Malawi | 23.0% |
| 138 | Togo | 23.0% |
| 139 | Solomon Islands | 23.0% |
| 140 | Haiti | 22.0% |
| 141 | Libya | 22.0% |
| 142 | New Caledonia | 21.0% |
| 143 | Pakistan | 21.0% |
| 144 | Mali | 20.0% |
| 145 | Mauritania | 20.0% |
| 146 | Burkina Faso | 20.0% |
| 147 | Sierra Leone | 19.0% |
| 148 | Madagascar | 18.0% |
| 149 | Somalia | 18.0% |
| 150 | Liberia | 17.0% |
| 151 | Republic of The Gambia | 16.0% |
| 152 | Guinea | 16.0% |
| 153 | Niger | 16.0% |
| 154 | South Sudan | 16.0% |
| 155 | Sudan | 15.0% |
| 156 | Chad | 14.0% |
| 157 | Democratic Republic of the Congo | 12.0% |
| 158 | Eritrea | 7.0% |
| 159 | Faroe Islands | 6.0% |
| 160 | Yemen | 6.0% |
Topics
Data Source
This data comes from World Bank — Global Findex Database 2021 (2021).
View Original Source