# Account ownership, adults in the poorest 40% of households

Percentage of respondents aged 15 and over in the poorest 40% of households within the economy who have a financial institution or mobile money account. The denominator is this income group, not all adults. Account definition: Having an individual or joint account at a bank or another financial institution, or personally using a mobile money service in the past 12 months.

## Key facts

- Account ownership, adults in the poorest 40% of households in the United States was 95.58% in 2024, according to the World Bank.
- Finland had the highest account ownership, adults in the poorest 40% of households of 137 countries in 2024, at 100%, and Pakistan the lowest, at 13.61%. Source: the World Bank.
- Published for 157 places, with figures from 2011 to 2024.
- Figures last updated on 2026-10-12.

- Indicator id: `account_ownership_poorest_40`
- Unit: %
- Note: Global Findex survey estimates for people aged 15 and over, or the named subgroup. Percentages use all respondents in that population, not only savers, borrowers or account owners. Only published survey years are stored; no values are interpolated or carried forward. The 2025 edition reports 2024 fieldwork. Some earlier-wave surveys were conducted in 2022; the publisher year labels are retained. In 2024, account and debit-card ownership were asked more widely than other financial-use questions, so available years vary by measure and economy. Survey coverage and questions can change between waves.
- Web page: https://invokely.ai/en/account-ownership-poorest-40
- API: https://invokely.ai/api/v1/indicators/account_ownership_poorest_40

## Latest figures

| Place | Period | % | Source |
|---|---|---:|---|
| United States | 2024 | 95.58 | World Bank, Global Findex Database. Global Findex: Account ownership at a financial institution or with a mobile-money-service provider, poorest 40% (% of population ages 15+) (FX.OWN.TOTL.40.ZS). https://data.worldbank.org/indicator/FX.OWN.TOTL.40.ZS. Retrieved 2026-10-12. Licensed under CC BY 4.0. |

## Rankings

- [Countries](https://invokely.ai/rankings/account-ownership-poorest-40/countries.md) (157 places)
- [EU countries](https://invokely.ai/rankings/account-ownership-poorest-40/eu-countries.md) (27 places)