Account ownership, adults in the richest 60% of households

Percentage of respondents aged 15 and over in the richest 60% of households within the economy who have a financial institution or mobile money account.

More on how it is measured
  • 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.
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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, adults in the richest 60% of households, 2024

Top 15. Source: World Bank.

Sweden: 99.86 %Sweden99.86Lithuania: 99.8 %Lithuania99.8Netherlands: 99.78 %Netherlands99.78Iceland: 99.76 %Iceland99.76Finland: 99.74 %Finland99.74Austria: 99.72 %Austria99.72Hong Kong: 99.66 %Hong Kong99.66France: 99.51 %France99.51Estonia: 99.47 %Estonia99.47Singapore: 99.45 %Singapore99.45Denmark: 99.25 %Denmark99.25Slovenia: 99.19 %Slovenia99.19Norway: 99.11 %Norway99.11Japan: 99.09 %Japan99.09Mongolia: 98.87 %Mongolia98.87Sweden: 99.86 %Sweden99.86Lithuania: 99.8 %Lithuania99.8Netherlands: 99.78 %Netherlands99.78Iceland: 99.76 %Iceland99.76Finland: 99.74 %Finland99.74Austria: 99.72 %Austria99.72Hong Kong: 99.66 %Hong Kong99.66France: 99.51 %France99.51Estonia: 99.47 %Estonia99.47Singapore: 99.45 %Singapore99.45Denmark: 99.25 %Denmark99.25Slovenia: 99.19 %Slovenia99.19Norway: 99.11 %Norway99.11Japan: 99.09 %Japan99.09Mongolia: 98.87 %Mongolia98.87
%. Source: World Bank Global Findex, Global Findex: Account ownership at a financial institution or with a mobile-money-service provider, richest 60% (% of population ages 15+) (FX.OWN.TOTL.60.ZS). Retrieved 2026-10-12.

Full ranking of countries

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Countries

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Which places have the highest account ownership, adults in the richest 60% of households? Use official data and cite it.
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