List of countries by share of population with access to financial services
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]
| Country/Territory/Region/Group | 2011 | 2014 | 2017 | 2021 | 2022 |
|---|---|---|---|---|---|
 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
[edit]- ^ World Bank. "The Global Findex Database 2021". Retrieved 2024-01-04.
- ^ World Bank. "Account ownership at a financial institution or with a mobile-money-service provider (% of population ages 15+)". Retrieved 2024-01-04.