Account ownership, primary education or less

Percentage of respondents aged 15 and over with primary education or less who have a financial institution or mobile money account. The denominator is this education group. 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.

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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.

Key facts

Figures last updated on 2026-10-12.

Rankings

Countries by account ownership, primary education or less, 2024

Top 15. Source: World Bank.

Austria: 100 %Austria100Canada: 100 %Canada100Denmark: 100 %Denmark100Finland: 100 %Finland100Germany: 100 %Germany100Iceland: 100 %Iceland100Lithuania: 100 %Lithuania100Switzerland: 100 %Switzerland100United Kingdom: 100 %United Kingdom100Cyprus: 99.29 %Cyprus99.29Slovenia: 98.63 %Slovenia98.63France: 98.08 %France98.08Spain: 97.63 %Spain97.63Japan: 97.59 %Japan97.59Norway: 97.39 %Norway97.39Austria: 100 %Austria100Canada: 100 %Canada100Denmark: 100 %Denmark100Finland: 100 %Finland100Germany: 100 %Germany100Iceland: 100 %Iceland100Lithuania: 100 %Lithuania100Switzerland: 100 %Switzerland100United Kingdom: 100 %United Kingdom100Cyprus: 99.29 %Cyprus99.29Slovenia: 98.63 %Slovenia98.63France: 98.08 %France98.08Spain: 97.63 %Spain97.63Japan: 97.59 %Japan97.59Norway: 97.39 %Norway97.39
%. Source: World Bank Global Findex, Global Findex: Account ownership at a financial institution or with a mobile-money-service provider, primary education or less (% of population ages 15+) (FX.OWN.TOTL.PL.ZS). Retrieved 2026-10-12.

Full ranking of countries

Places with data

Published for countries.

Countries

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Which places have the highest account ownership, primary education or less? Use official data and cite it.
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