Data / Rankings / Account ownership, adults aged 15 and over / Countries

Countries by account ownership, adults aged 15 and over

Denmark had the highest account ownership, adults aged 15 and over of 142 countries in 2011, at 99.74%. Turkmenistan had the lowest, at 0.4%. The median was 36.88%. Source: the World Bank.

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Highest99.74Denmark
Lowest0.4Turkmenistan
Median36.88142 countries

Map of countries, 2011

United Arab Emirates: 59.73 %Afghanistan: 9.01 %Albania: 28.27 %Armenia: 17.49 %Angola: 39.2 %Argentina: 33.13 %Austria: 97.08 %Australia: 99.06 %Azerbaijan: 14.9 %Bosnia and Herzegovina: 56.21 %Bangladesh: 31.74 %Belgium: 96.31 %Burkina Faso: 13.35 %Bulgaria: 52.82 %Burundi: 7.24 %Benin: 10.46 %Bolivia: 28.03 %Brazil: 55.86 %Botswana: 30.26 %Belarus: 58.6 %Canada: 95.8 %Democratic Republic of the Congo: 3.7 %Central African Republic: 3.3 %Republic of the Congo: 10.05 %Chile: 42.18 %Cameroon: 14.81 %China: 63.82 %Colombia: 30.43 %Costa Rica: 50.36 %Cyprus: 85.24 %Czechia: 80.65 %Germany: 98.13 %Djibouti: 12.27 %Denmark: 99.74 %Dominican Republic: 38.2 %Algeria: 33.29 %Ecuador: 36.74 %Estonia: 96.82 %Egypt: 9.72 %Spain: 93.28 %Finland: 99.65 %France: 96.98 %Gabon: 18.95 %United Kingdom: 97.2 %Georgia: 32.98 %Ghana: 29.43 %Guinea: 3.69 %Greece: 77.94 %Guatemala: 22.32 %Hong Kong: 88.69 %Honduras: 20.51 %Croatia: 88.39 %Haiti: 22.01 %Hungary: 72.67 %Indonesia: 19.58 %Ireland: 93.89 %Israel: 90.47 %India: 35.23 %Iraq: 10.55 %Iran: 73.68 %Italy: 71.01 %Jamaica: 70.99 %Jordan: 25.47 %Japan: 96.42 %Kenya: 42.34 %Kyrgyzstan: 3.76 %Cambodia: 3.66 %South Korea: 93.05 %Kuwait: 86.77 %Kazakhstan: 42.11 %Laos: 26.77 %Lebanon: 37.03 %Sri Lanka: 68.53 %Liberia: 18.8 %Lesotho: 18.5 %Lithuania: 73.76 %Luxembourg: 94.59 %Latvia: 89.66 %Moldova: 18.07 %Montenegro: 50.44 %Madagascar: 5.52 %North Macedonia: 73.7 %Mali: 8.21 %Mongolia: 77.72 %Mauritania: 17.46 %Mauritius: 80.12 %Malawi: 16.54 %Mexico: 27.43 %Malaysia: 66.17 %Niger: 1.52 %Nigeria: 29.67 %Nicaragua: 14.22 %Netherlands: 98.66 %Nepal: 25.31 %New Zealand: 99.44 %Oman: 73.6 %Panama: 24.93 %Peru: 20.46 %Philippines: 26.56 %Pakistan: 10.31 %Poland: 70.19 %Palestine: 19.43 %Portugal: 81.23 %Paraguay: 21.72 %Qatar: 65.88 %Romania: 44.59 %Serbia: 62.22 %Russia: 48.18 %Rwanda: 32.76 %Saudi Arabia: 46.42 %Sudan: 6.9 %Sweden: 98.99 %Singapore: 98.22 %Slovenia: 97.14 %Slovakia: 79.58 %Sierra Leone: 15.34 %Senegal: 5.82 %El Salvador: 13.76 %Syria: 23.25 %Eswatini: 28.57 %Chad: 8.96 %Togo: 10.19 %Thailand: 72.67 %Tajikistan: 2.53 %Turkmenistan: 0.4 %Türkiye: 57.6 %Trinidad and Tobago: 75.92 %Tanzania: 17.26 %Ukraine: 41.27 %Uganda: 20.46 %United States: 87.96 %Uruguay: 23.54 %Uzbekistan: 22.5 %Venezuela: 44.12 %Vietnam: 21.37 %Yemen: 3.66 %South Africa: 53.65 %Zambia: 21.36 %Zimbabwe: 39.65 %
  • Under 13
  • 13 to 22
  • 22 to 37
  • 37 to 64
  • 64 to 88
  • 88 and over
  • No data
%, 2011. Hatched areas have no value for this period. Source: World Bank Global Findex, Global Findex: Account ownership at a financial institution or with a mobile-money-service provider (% of population ages 15+) (FX.OWN.TOTL.ZS). Boundaries: Natural Earth (public domain).

Top 40 countries, 2011

Denmark: 99.74 %Denmark99.74Finland: 99.65 %Finland99.65New Zealand: 99.44 %New Zealand99.44Australia: 99.06 %Australia99.06Sweden: 98.99 %Sweden98.99Netherlands: 98.66 %Netherlands98.66Singapore: 98.22 %Singapore98.22Germany: 98.13 %Germany98.13United Kingdom: 97.2 %United Kingdom97.2Slovenia: 97.14 %Slovenia97.14Austria: 97.08 %Austria97.08France: 96.98 %France96.98Estonia: 96.82 %Estonia96.82Japan: 96.42 %Japan96.42Belgium: 96.31 %Belgium96.31Canada: 95.8 %Canada95.8Malta: 95.27 %Malta95.27Luxembourg: 94.59 %Luxembourg94.59Ireland: 93.89 %Ireland93.89Spain: 93.28 %Spain93.28South Korea: 93.05 %South Korea93.05Israel: 90.47 %Israel90.47Latvia: 89.66 %Latvia89.66Hong Kong: 88.69 %Hong Kong88.69Croatia: 88.39 %Croatia88.39United States: 87.96 %United States87.96Kuwait: 86.77 %Kuwait86.77Cyprus: 85.24 %Cyprus85.24Portugal: 81.23 %Portugal81.23Czechia: 80.65 %Czechia80.65Mauritius: 80.12 %Mauritius80.12Slovakia: 79.58 %Slovakia79.58Greece: 77.94 %Greece77.94Mongolia: 77.72 %Mongolia77.72Trinidad and Tobago: 75.92 %Trinidad and Tobago75.92Lithuania: 73.76 %Lithuania73.76North Macedonia: 73.7 %North Macedonia73.7Iran: 73.68 %Iran73.68Oman: 73.6 %Oman73.6Hungary: 72.67 %Hungary72.67Denmark: 99.74 %Denmark99.74Finland: 99.65 %Finland99.65New Zealand: 99.44 %New Zealand99.44Australia: 99.06 %Australia99.06Sweden: 98.99 %Sweden98.99Netherlands: 98.66 %Netherlands98.66Singapore: 98.22 %Singapore98.22Germany: 98.13 %Germany98.13United Kingdom: 97.2 %United Kingdom97.2Slovenia: 97.14 %Slovenia97.14Austria: 97.08 %Austria97.08France: 96.98 %France96.98Estonia: 96.82 %Estonia96.82Japan: 96.42 %Japan96.42Belgium: 96.31 %Belgium96.31Canada: 95.8 %Canada95.8Malta: 95.27 %Malta95.27Luxembourg: 94.59 %Luxembourg94.59Ireland: 93.89 %Ireland93.89Spain: 93.28 %Spain93.28South Korea: 93.05 %South Korea93.05Israel: 90.47 %Israel90.47Latvia: 89.66 %Latvia89.66Hong Kong: 88.69 %Hong Kong88.69Croatia: 88.39 %Croatia88.39United States: 87.96 %United States87.96Kuwait: 86.77 %Kuwait86.77Cyprus: 85.24 %Cyprus85.24Portugal: 81.23 %Portugal81.23Czechia: 80.65 %Czechia80.65Mauritius: 80.12 %Mauritius80.12Slovakia: 79.58 %Slovakia79.58Greece: 77.94 %Greece77.94Mongolia: 77.72 %Mongolia77.72Trinidad and Tobago: 75.92 %Trinidad and Tobago75.92Lithuania: 73.76 %Lithuania73.76North Macedonia: 73.7 %North Macedonia73.7Iran: 73.68 %Iran73.68Oman: 73.6 %Oman73.6Hungary: 72.67 %Hungary72.67
%. Source: World Bank Global Findex, Global Findex: Account ownership at a financial institution or with a mobile-money-service provider (% of population ages 15+) (FX.OWN.TOTL.ZS). Retrieved 2026-10-12.

Full ranking

RankCountries2011 (%)
1Denmark99.74
2Finland99.65
3New Zealand99.44
4Australia99.06
5Sweden98.99
6Netherlands98.66
7Singapore98.22
8Germany98.13
9United Kingdom97.2
10Slovenia97.14
11Austria97.08
12France96.98
13Estonia96.82
14Japan96.42
15Belgium96.31
16Canada95.8
17Malta95.27
18Luxembourg94.59
19Ireland93.89
20Spain93.28
21South Korea93.05
22Israel90.47
23Latvia89.66
24Hong Kong88.69
25Croatia88.39
26United States87.96
27Kuwait86.77
28Cyprus85.24
29Portugal81.23
30Czechia80.65
31Mauritius80.12
32Slovakia79.58
33Greece77.94
34Mongolia77.72
35Trinidad and Tobago75.92
36Lithuania73.76
37North Macedonia73.7
38Iran73.68
39Oman73.6
40Hungary72.67
41Thailand72.67
42Italy71.01
43Jamaica70.99
44Poland70.19
45Sri Lanka68.53
46Malaysia66.17
47Qatar65.88
48Bahrain64.51
49China63.82
50Serbia62.22
51United Arab Emirates59.73
52Belarus58.6
53Türkiye57.6
54Bosnia and Herzegovina56.21
55Brazil55.86
56South Africa53.65
57Bulgaria52.82
58Montenegro50.44
59Costa Rica50.36
60Russia48.18
61Saudi Arabia46.42
62Romania44.59
63Venezuela44.12
64Kenya42.34
65Chile42.18
66Kazakhstan42.11
67Ukraine41.27
68Zimbabwe39.65
69Angola39.2
70Dominican Republic38.2
71Lebanon37.03
72Ecuador36.74
73India35.23
74Algeria33.29
75Argentina33.13
76Georgia32.98
77Rwanda32.76
78Bangladesh31.74
79Colombia30.43
80Botswana30.26
81Nigeria29.67
82Ghana29.43
83Eswatini28.57
84Albania28.27
85Bolivia28.03
86Mexico27.43
87Laos26.77
88Philippines26.56
89Jordan25.47
90Nepal25.31
91Panama24.93
92Uruguay23.54
93Syria23.25
94Uzbekistan22.5
95Guatemala22.32
96Haiti22.01
97Paraguay21.72
98Comoros21.69
99Vietnam21.37
100Zambia21.36
101Honduras20.51
102Uganda20.46
103Peru20.46
104Indonesia19.58
105Palestine19.43
106Gabon18.95
107Liberia18.8
108Lesotho18.5
109Moldova18.07
110Armenia17.49
111Mauritania17.46
112Tanzania17.26
113Malawi16.54
114Sierra Leone15.34
115Azerbaijan14.9
116Cameroon14.81
117Nicaragua14.22
118El Salvador13.76
119Burkina Faso13.35
120Djibouti12.27
121Iraq10.55
122Benin10.46
123Pakistan10.31
124Togo10.19
125Republic of the Congo10.05
126Egypt9.72
127Afghanistan9.01
128Chad8.96
129Mali8.21
130Burundi7.24
131Sudan6.9
132Senegal5.82
133Madagascar5.52
134Kyrgyzstan3.76
135Democratic Republic of the Congo3.7
136Guinea3.69
137Yemen3.66
138Cambodia3.66
139Central African Republic3.3
140Tajikistan2.53
141Niger1.52
142Turkmenistan0.4

Other periods

About this ranking

Percentage of respondents aged 15 and over who have a financial institution or mobile money account. 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.

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.

Every value in the ranking comes from the same publisher and the same period, so the countries are compared on one definition. 18 countries with data in other periods have no value for 2011 and are left out rather than filled from another source. Equal values share a rank.

How to cite

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

Citation styles

The publisher is the author. Invokely is named only as the place the figures were read, where a style asks for it.

APA 7

World Bank. (2026). Global Findex: Account ownership at a financial institution or with a mobile-money-service provider (% of population ages 15+) (FX.OWN.TOTL.ZS) (Countries by account ownership, adults aged 15 and over, 2011) [Data set]. Retrieved October 12, 2026, from https://data.worldbank.org/indicator/FX.OWN.TOTL.ZS

MLA 9

Global Findex: Account ownership at a financial institution or with a mobile-money-service provider (% of population ages 15+) (FX.OWN.TOTL.ZS), Countries by account ownership, adults aged 15 and over, 2011. World Bank, 8 Oct. 2026, https://data.worldbank.org/indicator/FX.OWN.TOTL.ZS. Invokely, https://invokely.ai/rankings/account-ownership-adults/countries?period=2011. Accessed 12 Oct. 2026.

Chicago (author-date)

World Bank. 2026. Global Findex: Account ownership at a financial institution or with a mobile-money-service provider (% of population ages 15+) (FX.OWN.TOTL.ZS). Countries by account ownership, adults aged 15 and over, 2011. Dataset. Accessed October 12, 2026. https://data.worldbank.org/indicator/FX.OWN.TOTL.ZS. Also distributed by Invokely, https://invokely.ai/rankings/account-ownership-adults/countries?period=2011.

Harvard

World Bank (2026) Global Findex: Account ownership at a financial institution or with a mobile-money-service provider (% of population ages 15+) (FX.OWN.TOTL.ZS), Countries by account ownership, adults aged 15 and over, 2011 [Dataset]. Available at: https://data.worldbank.org/indicator/FX.OWN.TOTL.ZS, via Invokely: https://invokely.ai/rankings/account-ownership-adults/countries?period=2011 (Accessed: 12 October 2026).

BibTeX
@misc{world_countries_by_account_ownership_2011,
  author = {{World Bank}},
  title = {{Global Findex: Account ownership at a financial institution or with a mobile-money-service provider (\% of population ages 15+) (FX.OWN.TOTL.ZS): Countries by account ownership, adults aged 15 and over, 2011}},
  year = {2026},
  howpublished = {Data set},
  url = {https://data.worldbank.org/indicator/FX.OWN.TOTL.ZS},
  urldate = {2026-10-12},
  note = {Accessed via Invokely, https://invokely.ai/rankings/account-ownership-adults/countries?period=2011. Publisher attribution: World Bank, Global Findex Database. Global Findex: Account ownership at a financial institution or with a mobile-money-service provider (\% of population ages 15+) (FX.OWN.TOTL.ZS). https://data.worldbank.org/indicator/FX.OWN.TOTL.ZS. Retrieved 2026-10-12. Licensed under CC BY 4.0.},
}
RIS
TY  - DATA
AU  - World Bank
TI  - Global Findex: Account ownership at a financial institution or with a mobile-money-service provider (% of population ages 15+) (FX.OWN.TOTL.ZS): Countries by account ownership, adults aged 15 and over, 2011
PY  - 2026
DA  - 2026/10/08
PB  - World Bank
DB  - Invokely
UR  - https://data.worldbank.org/indicator/FX.OWN.TOTL.ZS
L2  - https://invokely.ai/rankings/account-ownership-adults/countries?period=2011
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/account-ownership-adults/countries?period=2011.
N1  - Publisher attribution: World Bank, Global Findex Database. Global Findex: Account ownership at a financial institution or with a mobile-money-service provider (% of population ages 15+) (FX.OWN.TOTL.ZS). https://data.worldbank.org/indicator/FX.OWN.TOTL.ZS. Retrieved 2026-10-12. Licensed under CC BY 4.0.
ER  -
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Questions

Which country has the highest account ownership, adults aged 15 and over?

Denmark, with 99.74% in 2011, according to the World Bank.

Which country has the lowest account ownership, adults aged 15 and over?

Turkmenistan, with 0.4% in 2011.

Where does this ranking come from?

Every value comes from one source and one period, so the places are comparable: World Bank, Global Findex: Account ownership at a financial institution or with a mobile-money-service provider (% of population ages 15+) (FX.OWN.TOTL.ZS). Retrieved 2026-10-12. 18 countries have no value for 2011 and are not ranked.

Account ownership, adults aged 15 and over: other rankings

Countries: more rankings