⚠️ Unconfirmedeconomic2021
Share of people who report being able to access emergency funds (financial resilience)
Percent of adults who say they could come up with emergency funds within 30 days. Global Findex 2021 provides comparable data across countries.
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Key Insights
Global Average
48.4%
Median: 47.0%
Countries Covered
171
with available data
Highest
New Zealand
87.0%
Lowest
South Sudan
7.0%
Top 5 Countries
1New Zealand87.0%
2United Arab Emirates87.0%
3Iceland86.0%
4Norway86.0%
5Singapore86.0%
By Region
Oceania83.0%(2 countries)
Europe66.8%(32 countries)
North America61.3%(4 countries)
Asia59.6%(25 countries)
South America55.9%(7 countries)
Key Findings
- •Financial resilience varies dramatically across countries, from single-digit shares in the most fragile contexts to near-universal access in high-income economies.
- •High account ownership does not always imply high emergency-funds access; credit availability and social networks also matter.
- •This metric is a practical proxy for how well households can withstand sudden expenses without long-term hardship.
Country Rankings
Top 10 Countries
Bottom 10 Countries
Data Analysis
Value Distribution
How countries are distributed across the value range
Low (7.0%)High (95.0%)
Regional Comparison
Average values by world region (Global avg: 48.4%)
Oceania (2)
Europe (32)
North America (4)
Asia (25)
South America (7)
Africa (9)
Other (92)
About This Statistic
This statistic measures financial resilience: the share of adults (age 15+) who report that they could come up with emergency funds within 30 days if they had an unexpected need. It captures households’ perceived ability to cope with shocks (job loss, medical bills, urgent repairs) using savings, borrowing, help from family/friends, or other sources.
The indicator comes from the World Bank’s Global Findex Database (survey-based, nationally representative). It is especially useful because it complements “account ownership” by focusing on whether people believe they can mobilize money quickly—an ability that varies widely with income levels, access to credit, social networks, and safety nets.
Full Data
| Rank ↑ | Country ↕ | Value ↕ |
|---|---|---|
| 1 | New Zealand | 87.0% |
| 2 | United Arab Emirates | 87.0% |
| 3 | Iceland | 86.0% |
| 4 | Norway | 86.0% |
| 5 | Singapore | 86.0% |
| 6 | Switzerland | 86.0% |
| 7 | Canada | 84.0% |
| 8 | Qatar | 84.0% |
| 9 | Sweden | 84.0% |
| 10 | Israel | 81.0% |
| 11 | Germany | 80.0% |
| 12 | Denmark | 79.0% |
| 13 | Kuwait | 79.0% |
| 14 | United Kingdom | 79.0% |
| 15 | Australia | 79.0% |
| 16 | Finland | 78.0% |
| 17 | South Korea | 78.0% |
| 18 | Netherlands | 78.0% |
| 19 | United States of America | 78.0% |
| 20 | France | 77.0% |
| 21 | Japan | 77.0% |
| 22 | Oman | 77.0% |
| 23 | Ireland | 75.0% |
| 24 | People's Republic of China | 74.0% |
| 25 | Andorra | 74.0% |
| 26 | Belgium | 74.0% |
| 27 | Italy | 72.0% |
| 28 | Luxembourg | 72.0% |
| 29 | Saudi Arabia | 72.0% |
| 30 | Angola | 72.0% |
| 31 | Bahrain | 71.0% |
| 32 | Portugal | 68.0% |
| 33 | Spain | 68.0% |
| 34 | Cyprus | 66.0% |
| 35 | Greece | 64.0% |
| 36 | Afghanistan | 64.0% |
| 37 | Brunei Darussalam | 64.0% |
| 38 | Cameroon | 63.0% |
| 39 | Costa Rica | 63.0% |
| 40 | Islamic Republic of Iran | 63.0% |
| 41 | Thailand | 63.0% |
| 42 | Argentina | 63.0% |
| 43 | Chile | 62.0% |
| 44 | Czech Republic | 62.0% |
| 45 | India | 62.0% |
| 46 | Seychelles | 62.0% |
| 47 | Bangladesh | 62.0% |
| 48 | Indonesia | 61.0% |
| 49 | Poland | 61.0% |
| 50 | Uruguay | 61.0% |
| 51 | Hungary | 60.0% |
| 52 | Slovenia | 60.0% |
| 53 | Solomon Islands | 60.0% |
| 54 | Brazil | 59.0% |
| 55 | Lithuania | 58.0% |
| 56 | Romania | 58.0% |
| 57 | Trinidad and Tobago | 58.0% |
| 58 | Antigua and Barbuda | 58.0% |
| 59 | Croatia | 57.0% |
| 60 | Fiji | 57.0% |
| 61 | Mauritius | 56.0% |
| 62 | Serbia | 56.0% |
| 63 | Slovakia | 56.0% |
| 64 | Jamaica | 55.0% |
| 65 | Malaysia | 55.0% |
| 66 | Türkiye | 55.0% |
| 67 | Albania | 55.0% |
| 68 | Montenegro | 54.0% |
| 69 | Cambodia | 53.0% |
| 70 | Latvia | 53.0% |
| 71 | Colombia | 52.0% |
| 72 | Jordan | 52.0% |
| 73 | Algeria | 52.0% |
| 74 | Barbados | 52.0% |
| 75 | Cayman Islands | 50.0% |
| 76 | Cuba | 50.0% |
| 77 | Estonia | 49.0% |
| 78 | Nepal | 49.0% |
| 79 | Tunisia | 49.0% |
| 80 | Benin | 48.0% |
| 81 | Guyana | 48.0% |
| 82 | Peru | 48.0% |
| 83 | Dominican Republic | 47.0% |
| 84 | Vietnam | 47.0% |
| 85 | Ukraine | 47.0% |
| 86 | Armenia | 47.0% |
| 87 | Ecuador | 46.0% |
| 88 | Kazakhstan | 46.0% |
| 89 | Kenya | 46.0% |
| 90 | Bosnia and Herzegovina | 46.0% |
| 91 | El Salvador | 45.0% |
| 92 | Mexico | 45.0% |
| 93 | Morocco | 45.0% |
| 94 | Timor-Leste | 45.0% |
| 95 | The Republic of North Macedonia | 45.0% |
| 96 | Maldives | 44.0% |
| 97 | Austria | 44.0% |
| 98 | Bulgaria | 43.0% |
| 99 | Russian Federation | 43.0% |
| 100 | Honduras | 42.0% |
| 101 | Moldova, Republic of | 42.0% |
| 102 | Panama | 42.0% |
| 103 | Lebanon | 41.0% |
| 104 | New Caledonia | 41.0% |
| 105 | Paraguay | 41.0% |
| 106 | Bolivia | 41.0% |
| 107 | Philippines | 40.0% |
| 108 | Georgia | 39.0% |
| 109 | Ghana | 39.0% |
| 110 | Guatemala | 38.0% |
| 111 | South Africa | 38.0% |
| 112 | Botswana | 38.0% |
| 113 | Falkland Islands (Malvinas) | 36.0% |
| 114 | Kyrgyzstan | 36.0% |
| 115 | Egypt | 36.0% |
| 116 | Belarus | 35.0% |
| 117 | State of Palestine | 35.0% |
| 118 | Namibia | 35.0% |
| 119 | Iraq | 34.0% |
| 120 | Lao People's Democratic Republic | 34.0% |
| 121 | Burundi | 33.0% |
| 122 | Sri Lanka | 33.0% |
| 123 | Gabon | 33.0% |
| 124 | Nigeria | 33.0% |
| 125 | Cape Verde | 32.0% |
| 126 | Uzbekistan | 32.0% |
| 127 | Chad | 31.0% |
| 128 | Malta | 31.0% |
| 129 | Mongolia | 31.0% |
| 130 | Pakistan | 31.0% |
| 131 | Uganda | 31.0% |
| 132 | Zambia | 31.0% |
| 133 | Cote d'Ivoire | 30.0% |
| 134 | Madagascar | 30.0% |
| 135 | Republic of The Gambia | 29.0% |
| 136 | Mali | 29.0% |
| 137 | Vanuatu | 29.0% |
| 138 | Nicaragua | 29.0% |
| 139 | Zimbabwe | 29.0% |
| 140 | United Republic of Tanzania | 29.0% |
| 141 | Equatorial Guinea | 28.0% |
| 142 | Guinea-Bissau | 28.0% |
| 143 | Togo | 28.0% |
| 144 | Central African Republic | 27.0% |
| 145 | Lesotho | 27.0% |
| 146 | Tajikistan | 27.0% |
| 147 | Myanmar | 26.0% |
| 148 | Sierra Leone | 26.0% |
| 149 | Sudan | 26.0% |
| 150 | Turkmenistan | 26.0% |
| 151 | Mozambique | 25.0% |
| 152 | Burkina Faso | 25.0% |
| 153 | Belize | 25.0% |
| 154 | Faroe Islands | 24.0% |
| 155 | Guinea | 24.0% |
| 156 | Papua New Guinea | 24.0% |
| 157 | Rwanda | 24.0% |
| 158 | Venezuela | 24.0% |
| 159 | Republic of the Congo | 23.0% |
| 160 | Malawi | 23.0% |
| 161 | Mauritania | 23.0% |
| 162 | Senegal | 22.0% |
| 163 | Democratic Republic of the Congo | 21.0% |
| 164 | Djibouti | 20.0% |
| 165 | Niger | 20.0% |
| 166 | Ethiopia | 19.0% |
| 167 | Haiti | 19.0% |
| 168 | Yemen | 19.0% |
| 169 | Somalia | 17.0% |
| 170 | Eritrea | 14.0% |
| 171 | South Sudan | 7.0% |
Showing 171 of 171 countries
Topics
Data Source
This data comes from World Bank — Global Findex Database (2021).
View Original Source