List of countries by share of population with access to financial services

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The following list ranks countries by the share of population with access to financial services. Access to financial services is defined as the share of the adult population (population ages 15+) with an account ownership at a financial institution or with a mobile-money-service provider. The data for the ranking taken from the Global Financial Inclusion Database, which was compiled by the World Bank. Available indicators are reported for 2021, 2017, 2014, and 2011.[1]

Account ownership at a financial institution or with a mobile-money-service provider
(% of population ages 15+)[2]
Country/Territory/Region/Group 2011 2014 2017 2021 2022
United Nations WORLD 50.63% 61.92% 68.50% 76.20%
 Afghanistan 9.01% 9.96% 14.89% 9.65%
 Angola 39.20% 29.32% — —
 Albania 28.27% 37.99% 40.02% 44.17%
 United Arab Emirates 59.73% 83.74% 88.21% 85.74%
 Argentina 33.13% 50.20% 48.71% 71.63%
 Armenia 17.49% 17.67% 47.76% 55.35%
 Australia 99.06% 98.86% 99.52% 99.32%
 Austria 97.08% 96.73% 98.16% 99.95%
 Azerbaijan 14.90% 29.15% 28.57% — 46.26%
 Burundi 7.24% 7.11% — —
 Belgium 96.31% 98.13% 98.64% 99.01%
 Benin 10.46% 16.62% 38.49% 48.61%
 Burkina Faso 13.35% 14.36% 43.16% 36.11%
 Bangladesh 31.74% 30.99% 50.05% 52.81%
 Bulgaria 52.82% 62.99% 72.20% 83.97%
 Bahrain 64.51% 81.94% 82.61% —
 Bosnia and Herzegovina 56.21% 52.69% 58.84% 79.34%
 Belarus 58.60% 71.98% 81.16% —
 Belize — 48.21% — —
 Bolivia 28.03% 41.80% 54.41% 68.89%
 Brazil 55.86% 68.12% 70.04% 84.04%
 Bhutan — 33.67% — —
 Botswana 30.26% 51.96% 51.03% — 58.76%
 Central African Republic 3.30% — 13.75% —
 Canada 95.80% 99.10% 99.73% 99.63%
 Switzerland — 97.99% 98.43% 99.49%
 Chile 42.18% 63.26% 74.35% 87.06%
 China 63.82% 78.93% 79.53% 88.71%
 Ivory Coast — 34.32% 41.33% 50.76%
 Cameroon 14.81% 12.18% 34.59% 51.65%
 Democratic Republic of the Congo 3.70% 17.48% 25.83% — 27.44%
 Republic of the Congo 10.05% 17.07% 26.09% 47.14%
 Colombia 30.43% 39.00% 45.76% 59.72%
 Comoros 21.69% — — — 34.25%
 Costa Rica 50.36% 64.55% 67.84% 68.49%
 Cyprus 85.24% 90.15% 88.72% 93.13%
 Czech Republic 80.65% 82.18% 80.99% 94.94%
 Germany 98.13% 98.76% 99.14% 99.98%
 Djibouti 12.27% — — —
 Denmark 99.74% 100% 99.92% 100%
 Dominican Republic 38.20% 54.09% 56.24% 51.30%
 Algeria 33.29% 50.48% 42.78% 44.10%
 Ecuador 36.74% 46.21% 51.25% 64.18%
 Egypt 9.72% 14.13% 32.78% 27.44%
 Spain 93.28% 97.58% 93.76% 98.30%
 Estonia 96.82% 97.67% 97.99% 99.38%
 Ethiopia — 21.79% 34.83% — 46.48%
 Finland 99.65% 100% 99.79% 99.53%
 France 96.98% 96.58% 94.00% 99.24%
 Gabon 18.95% 33.01% 58.60% 66.09%
 United Kingdom 97.20% 98.93% 96.37% 99.76%
 Georgia 32.98% 39.67% 61.23% 70.50%
 Ghana 29.43% 40.51% 57.72% 68.23%
 Guinea 3.69% 6.96% 23.49% 30.44%
 Gambia — — 28.56% — 33.01%
 Greece 77.94% 87.52% 85.47% 94.88%
 Guatemala 22.32% 41.35% 44.11% — 36.98%
 Hong Kong 88.69% 96.15% 95.28% 97.80%
 Honduras 20.51% 31.49% 45.34% 37.85%
 Croatia 88.39% 86.03% 86.14% 91.80%
 Haiti 22.01% 18.86% 32.62% —
 Hungary 72.67% 72.26% 74.94% 88.22%
 Indonesia 19.58% 36.06% 48.86% 51.76%
 India 35.23% 53.14% 79.88% 77.53%
 Ireland 93.89% 94.71% 95.34% 99.66%
 Iran 73.68% 92.28% 93.98% 89.98%
 Iraq 10.55% 10.97% 22.67% 18.57%
 Iceland — — — 100%
 Israel 90.47% 89.95% 92.81% 92.93%
 Italy 71.01% 87.33% 93.79% 97.29%
 Jamaica 70.99% 78.46% — 73.30%
 Jordan 25.47% 24.62% 42.49% 47.12%
 Japan 96.42% 96.65% 98.24% 98.49%
 Kazakhstan 42.11% 53.91% 58.70% 81.11%
 Kenya 42.34% 74.66% 81.57% 79.20%
 Kyrgyzstan 3.76% 18.47% 39.94% 45.09%
 Cambodia 3.66% 22.17% 21.67% 33.39%
 South Korea 93.05% 94.36% 94.85% 98.67%
 Kuwait 86.77% 72.91% 79.84% —
 Laos 26.77% — 29.06% 37.32%
 Lebanon 37.03% 46.93% 44.75% 20.70%
 Liberia 18.80% — 35.71% 51.63%
 Libya — — 65.67% —
 Sri Lanka 68.53% 82.69% 73.65% 89.27%
 Lesotho 18.50% — 45.56% — 63.63%
 Lithuania 73.76% 77.91% 82.88% 93.53%
 Luxembourg 94.59% 96.17% 98.77% —
 Latvia 89.66% 90.22% 93.22% 96.62%
 Morocco — — 28.64% 44.37%
 Moldova 18.07% 17.76% 43.79% 64.25%
 Madagascar 5.52% 8.55% 17.87% — 26.30%
 Maldives — — 79.55% —
 Mexico 27.43% 39.14% 36.93% — 48.97%
 North Macedonia 73.70% 71.80% 76.57% 85.29%
 Mali 8.21% 20.08% 35.42% 43.50%
 Malta 95.27% 96.33% 97.36% 96.45%
 Myanmar — 22.78% 25.99% 47.79%
 Montenegro 50.44% 59.83% 68.36% —
 Mongolia 77.72% 91.82% 92.97% 98.46%
 Mozambique — — 41.67% 49.49%
 Mauritania 17.46% 22.87% 20.87% — 23.46%
 Mauritius 80.12% 82.21% 89.84% 90.53%
 Malawi 16.54% 18.09% 33.71% 42.71%
 Malaysia 66.17% 80.67% 85.34% 88.37%
 Namibia — 58.83% 80.63% 71.35%
 Niger 1.52% 6.71% 15.52% — 11.69%
 Nigeria 29.67% 44.44% 39.67% 45.32%
 Nicaragua 14.22% 19.44% 30.86% 26.03%
 Netherlands 98.66% 99.30% 99.64% 99.73%
 Norway — 100% 99.75% 99.48%
 Nepal 25.31% 33.80% 45.39% 54.00%
 New Zealand 99.44% 99.53% 99.18% 98.75%
 Oman 73.60% — — —
 Pakistan 10.31% 13.04% 21.29% 20.98%
 Panama 24.93% 43.66% 46.49% 44.97%
 Peru 20.46% 28.98% 42.60% 57.50%
 Philippines 26.56% 31.29% 34.50% 51.37%
 Poland 70.19% 77.86% 86.73% 95.72%
 Puerto Rico — 69.74% — —
 Portugal 81.23% 87.39% 92.34% 92.65%
 Paraguay 21.72% — 48.65% 54.42%
 Palestine 19.43% 24.24% 25.02% 33.64%
 Qatar 65.88% — — —
 Romania 44.59% 60.84% 57.75% 69.12%
 Russia 48.18% 67.38% 75.76% 89.72%
 Rwanda 32.76% 42.12% 50.02% —
 Saudi Arabia 46.42% 69.41% 71.70% 74.32%
 Sudan 6.90% 15.27% — —
 Senegal 5.82% 15.42% 42.34% 55.96%
 Singapore 98.22% 96.35% 97.93% 97.55%
 Sierra Leone 15.34% 15.58% 19.81% 28.85%
 El Salvador 13.76% 36.72% 30.35% 35.85%
 Somalia — 38.66% — —
 Serbia 62.22% 83.09% 71.44% 89.42%
 South Sudan — — 8.57% 5.83%
 Slovakia 79.58% 77.24% 84.18% 95.62%
 Slovenia 97.14% 97.24% 97.53% 99.05%
 Sweden 98.99% 99.72% 99.74% 99.69%
 Eswatini 28.57% — — — 66.18%
 Syria 23.25% — — —
 Chad 8.96% 12.43% 21.76% — 23.65%
 Togo 10.19% 18.25% 45.29% 49.61%
 Thailand 72.67% 78.14% 81.59% 95.58%
 Tajikistan 2.53% 11.46% 47.02% 39.49%
 Turkmenistan 0.40% — 40.58% —
 Trinidad and Tobago 75.92% — 80.78% —
 Tunisia — 27.43% 36.91% 36.85%
 Turkey 57.60% 56.68% 68.59% 74.09%
 Tanzania 17.26% 39.78% 46.75% 52.43%
 Uganda 20.46% 44.45% 59.20% 65.91%
 Ukraine 41.27% 52.71% 62.90% 83.56%
 Uruguay 23.54% 45.59% 63.87% 74.13%
 United States 87.96% 93.58% 93.12% 94.95%
 Uzbekistan 22.50% 40.71% 37.09% 44.13%
 Venezuela 44.12% 57.03% 73.49% 84.39%
 Vietnam 21.37% 30.95% 30.80% — 56.27%
 Kosovo 44.31% 47.80% 52.27% 58.01%
 Yemen 3.66% 6.45% — — 11.90%
 South Africa 53.65% 70.32% 69.22% 85.38%
 Zambia 21.36% 35.64% 45.86% 48.52%
 Zimbabwe 39.65% 32.39% 55.29% 59.75%
Low & middle income (WB) 41.66% 54.99% 62.98% 71.38%
Low-income (WB) 10.05% 18.74% 31.53% 38.99%
Middle-income (WB) 43.33% 57.26% 64.86% 72.37%
Lower middle income (WB) 30.45% 43.70% 58.27% 62.38%
Upper middle income (WB) 56.56% 70.93% 72.35% 84.33%
High-income (WB) 88.24% 92.79% 93.67% 96.36%
OECD (Organisation for Economic Cooperation and Development) 89.76% 93.76% 94.46% 97.19%

References

  1. ^ World Bank. "The Global Findex Database 2021". Retrieved 2024-01-04.
  2. ^ World Bank. "Account ownership at a financial institution or with a mobile-money-service provider (% of population ages 15+)". Retrieved 2024-01-04.