⚠️ Unconfirmedeconomic2021
Share of adults who have an account at a financial institution or with a mobile-money-service provider (% age 15+)
Percent of adults (15+) with an account at a bank/financial institution or mobile-money provider, from the World Bank Global Findex (latest 2021).
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Key Insights
Global Average
60.7%
Median: 57.0%
Countries Covered
181
with available data
Highest
Denmark
100.0%
Lowest
Country 408
0.0%
Top 5 Countries
1Denmark100.0%
2Finland100.0%
3Country 304100.0%
4Iceland100.0%
5New Zealand100.0%
By Region
Oceania99.5%(2 countries)
Europe90.4%(32 countries)
North America73.0%(4 countries)
South America70.1%(7 countries)
Asia69.3%(26 countries)
Key Findings
- •Account ownership is near-universal in many high-income economies (often ~95–100%).
- •Mobile money significantly boosts inclusion in parts of Sub-Saharan Africa (e.g., very high reported ownership in Kenya and Rwanda).
- •Several fragile/low-income contexts remain very low, highlighting persistent inclusion gaps.
Country Rankings
Top 10 Countries
Bottom 10 Countries
Data Analysis
Value Distribution
How countries are distributed across the value range
Low (0.0%)High (100.0%)
Regional Comparison
Average values by world region (Global avg: 60.7%)
Oceania (2)
Europe (32)
North America (4)
South America (7)
Asia (26)
Africa (9)
Other (101)
About This Statistic
This statistic measures the share of adults (age 15+) who report having an account at a bank or other financial institution, or using a mobile-money-service provider. It is a core indicator of financial inclusion—capturing how widely people can store money, make payments, and access formal financial services.
The data come from the World Bank’s Global Findex Database, which is based on nationally representative surveys. Account ownership is often linked to broader outcomes like the ability to receive wages and government transfers, save securely, and participate in the digital economy—though it varies widely across countries depending on income levels, infrastructure, and policy choices.
Full Data
| Rank ↑ | Country ↕ | Value ↕ |
|---|---|---|
| 1 | Denmark | 100.0% |
| 2 | Finland | 100.0% |
| 3 | Greenland | 100.0% |
| 4 | Iceland | 100.0% |
| 5 | New Zealand | 100.0% |
| 6 | Norway | 100.0% |
| 7 | Sweden | 100.0% |
| 8 | Canada | 99.0% |
| 9 | Ireland | 99.0% |
| 10 | Netherlands | 99.0% |
| 11 | Australia | 99.0% |
| 12 | Belgium | 99.0% |
| 13 | Japan | 98.0% |
| 14 | Luxembourg | 98.0% |
| 15 | Qatar | 98.0% |
| 16 | Singapore | 98.0% |
| 17 | Slovenia | 98.0% |
| 18 | Switzerland | 98.0% |
| 19 | United Kingdom | 98.0% |
| 20 | Cyprus | 96.0% |
| 21 | Israel | 96.0% |
| 22 | South Korea | 96.0% |
| 23 | Portugal | 96.0% |
| 24 | Rwanda | 96.0% |
| 25 | Thailand | 96.0% |
| 26 | Italy | 95.0% |
| 27 | United States of America | 95.0% |
| 28 | France | 94.0% |
| 29 | Islamic Republic of Iran | 94.0% |
| 30 | Spain | 94.0% |
| 31 | Croatia | 93.0% |
| 32 | Latvia | 93.0% |
| 33 | Estonia | 92.0% |
| 34 | Hong Kong | 90.0% |
| 35 | Mauritius | 90.0% |
| 36 | Germany | 88.0% |
| 37 | Kuwait | 88.0% |
| 38 | Malaysia | 88.0% |
| 39 | United Arab Emirates | 88.0% |
| 40 | Bahamas | 88.0% |
| 41 | Poland | 87.0% |
| 42 | Greece | 86.0% |
| 43 | South Africa | 85.0% |
| 44 | Argentina | 85.0% |
| 45 | Barbados | 85.0% |
| 46 | Brazil | 84.0% |
| 47 | Lithuania | 83.0% |
| 48 | Bahrain | 83.0% |
| 49 | Montenegro | 82.0% |
| 50 | Russian Federation | 82.0% |
| 51 | Slovakia | 82.0% |
| 52 | Czech Republic | 81.0% |
| 53 | People's Republic of China | 80.0% |
| 54 | Oman | 80.0% |
| 55 | Cape Verde | 79.0% |
| 56 | Kenya | 79.0% |
| 57 | Serbia | 79.0% |
| 58 | Seychelles | 79.0% |
| 59 | Samoa | 79.0% |
| 60 | India | 78.0% |
| 61 | Mongolia | 78.0% |
| 62 | Ukraine | 78.0% |
| 63 | Austria | 77.0% |
| 64 | The Republic of North Macedonia | 76.0% |
| 65 | Hungary | 75.0% |
| 66 | Sri Lanka | 74.0% |
| 67 | Chile | 74.0% |
| 68 | Saudi Arabia | 74.0% |
| 69 | Belarus | 72.0% |
| 70 | Uruguay | 72.0% |
| 71 | Venezuela | 72.0% |
| 72 | Uganda | 71.0% |
| 73 | Romania | 69.0% |
| 74 | Central African Republic | 68.0% |
| 75 | Costa Rica | 68.0% |
| 76 | Ghana | 68.0% |
| 77 | Maldives | 68.0% |
| 78 | Türkiye | 68.0% |
| 79 | Bulgaria | 67.0% |
| 80 | Faroe Islands | 67.0% |
| 81 | Benin | 66.0% |
| 82 | Namibia | 66.0% |
| 83 | Bermuda | 66.0% |
| 84 | Botswana | 65.0% |
| 85 | Ecuador | 64.0% |
| 86 | Georgia | 61.0% |
| 87 | Fiji | 60.0% |
| 88 | Algeria | 60.0% |
| 89 | Kazakhstan | 59.0% |
| 90 | Malawi | 57.0% |
| 91 | Zambia | 57.0% |
| 92 | Colombia | 56.0% |
| 93 | Dominican Republic | 56.0% |
| 94 | Panama | 56.0% |
| 95 | Peru | 56.0% |
| 96 | Senegal | 56.0% |
| 97 | Vietnam | 56.0% |
| 98 | Zimbabwe | 56.0% |
| 99 | Armenia | 56.0% |
| 100 | Guyana | 55.0% |
| 101 | Vanuatu | 55.0% |
| 102 | Trinidad and Tobago | 55.0% |
| 103 | Paraguay | 54.0% |
| 104 | Afghanistan | 54.0% |
| 105 | Bolivia | 54.0% |
| 106 | Moldova, Republic of | 53.0% |
| 107 | United Republic of Tanzania | 53.0% |
| 108 | Bangladesh | 53.0% |
| 109 | Indonesia | 51.0% |
| 110 | Cote d'Ivoire | 51.0% |
| 111 | Philippines | 51.0% |
| 112 | Angola | 51.0% |
| 113 | Bosnia and Herzegovina | 51.0% |
| 114 | Mozambique | 50.0% |
| 115 | Cameroon | 49.0% |
| 116 | Guatemala | 49.0% |
| 117 | Mexico | 49.0% |
| 118 | Brunei Darussalam | 49.0% |
| 119 | Lesotho | 48.0% |
| 120 | Montserrat | 48.0% |
| 121 | Albania | 48.0% |
| 122 | Cuba | 47.0% |
| 123 | Jamaica | 47.0% |
| 124 | Lebanon | 47.0% |
| 125 | Malta | 47.0% |
| 126 | Cayman Islands | 46.0% |
| 127 | Ethiopia | 46.0% |
| 128 | Jordan | 46.0% |
| 129 | Suriname | 46.0% |
| 130 | Belize | 46.0% |
| 131 | Honduras | 45.0% |
| 132 | Kyrgyzstan | 45.0% |
| 133 | Nepal | 45.0% |
| 134 | Nigeria | 45.0% |
| 135 | Eswatini | 45.0% |
| 136 | Morocco | 44.0% |
| 137 | Uzbekistan | 44.0% |
| 138 | Tunisia | 42.0% |
| 139 | Antigua and Barbuda | 42.0% |
| 140 | Libya | 40.0% |
| 141 | Tajikistan | 39.0% |
| 142 | Bhutan | 38.0% |
| 143 | Sudan | 37.0% |
| 144 | El Salvador | 36.0% |
| 145 | Republic of The Gambia | 36.0% |
| 146 | Solomon Islands | 36.0% |
| 147 | Mali | 35.0% |
| 148 | Timor-Leste | 35.0% |
| 149 | Andorra | 34.0% |
| 150 | Equatorial Guinea | 33.0% |
| 151 | Djibouti | 32.0% |
| 152 | Lao People's Democratic Republic | 31.0% |
| 153 | Nicaragua | 31.0% |
| 154 | Gabon | 28.0% |
| 155 | Togo | 27.0% |
| 156 | Egypt | 27.0% |
| 157 | Myanmar | 26.0% |
| 158 | Sierra Leone | 26.0% |
| 159 | Haiti | 25.0% |
| 160 | New Caledonia | 25.0% |
| 161 | Papua New Guinea | 24.0% |
| 162 | Iraq | 23.0% |
| 163 | Cambodia | 22.0% |
| 164 | Chad | 22.0% |
| 165 | Comoros | 22.0% |
| 166 | Madagascar | 22.0% |
| 167 | Country 886 | 22.0% |
| 168 | Guinea | 21.0% |
| 169 | Mauritania | 21.0% |
| 170 | Pakistan | 21.0% |
| 171 | Burkina Faso | 18.0% |
| 172 | Niger | 16.0% |
| 173 | Somalia | 15.0% |
| 174 | Republic of the Congo | 13.0% |
| 175 | South Sudan | 12.0% |
| 176 | Burundi | 11.0% |
| 177 | Eritrea | 9.0% |
| 178 | Liberia | 7.0% |
| 179 | Democratic Republic of the Congo | 6.0% |
| 180 | Yemen | 6.0% |
| 181 | North Korea | 0.0% |
Showing 181 of 181 countries
Topics
Data Source
This data comes from World Bank (Global Findex Database) (2021).
View Original Source