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 140 countries in 2014, at 100%. Yemen had the lowest, at 6.45%. The median was 52.32%. Source: the World Bank.

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Highest100Denmark
Lowest6.45Yemen
Median52.32140 countries

Map of countries, 2014

United Arab Emirates: 83.74 %Afghanistan: 9.96 %Albania: 37.99 %Armenia: 17.67 %Angola: 29.32 %Argentina: 50.2 %Austria: 96.73 %Australia: 98.86 %Azerbaijan: 29.15 %Bosnia and Herzegovina: 52.69 %Bangladesh: 30.99 %Belgium: 98.13 %Burkina Faso: 14.36 %Bulgaria: 62.99 %Burundi: 7.11 %Benin: 16.62 %Bolivia: 41.8 %Brazil: 68.12 %Bhutan: 33.67 %Botswana: 51.96 %Belarus: 71.98 %Belize: 48.21 %Canada: 99.1 %Democratic Republic of the Congo: 17.48 %Republic of the Congo: 17.07 %Switzerland: 97.99 %Côte d’Ivoire: 34.32 %Chile: 63.26 %Cameroon: 12.18 %China: 78.97 %Colombia: 39 %Costa Rica: 64.55 %Cyprus: 90.15 %Czechia: 82.18 %Germany: 98.76 %Denmark: 100 %Dominican Republic: 54.09 %Algeria: 50.48 %Ecuador: 46.21 %Estonia: 97.67 %Egypt: 14.13 %Spain: 97.58 %Ethiopia: 21.79 %Finland: 100 %France: 96.58 %Gabon: 33.01 %United Kingdom: 98.93 %Georgia: 39.67 %Ghana: 40.51 %Guinea: 6.96 %Greece: 87.52 %Guatemala: 41.35 %Hong Kong: 96.15 %Honduras: 31.49 %Croatia: 86.03 %Haiti: 18.86 %Hungary: 72.26 %Indonesia: 36.06 %Ireland: 94.71 %Israel: 89.95 %India: 53.14 %Iraq: 10.97 %Iran: 92.28 %Italy: 87.33 %Jamaica: 78.46 %Jordan: 24.62 %Japan: 96.65 %Kenya: 74.66 %Kyrgyzstan: 18.47 %Cambodia: 22.17 %South Korea: 94.36 %Kuwait: 72.91 %Kazakhstan: 53.91 %Lebanon: 46.93 %Sri Lanka: 82.69 %Lithuania: 77.91 %Luxembourg: 96.17 %Latvia: 90.22 %Moldova: 17.76 %Montenegro: 59.83 %Madagascar: 8.55 %North Macedonia: 71.8 %Mali: 20.08 %Myanmar: 22.78 %Mongolia: 91.82 %Mauritania: 22.87 %Mauritius: 82.21 %Malawi: 18.09 %Mexico: 39.14 %Malaysia: 80.67 %Namibia: 58.83 %Niger: 6.71 %Nigeria: 44.44 %Nicaragua: 19.44 %Netherlands: 99.3 %Norway: 100 %Nepal: 33.8 %New Zealand: 99.53 %Panama: 43.66 %Peru: 28.98 %Philippines: 31.29 %Pakistan: 13.04 %Poland: 77.86 %Puerto Rico: 69.74 %Palestine: 24.24 %Portugal: 87.39 %Romania: 60.84 %Serbia: 83.09 %Russia: 67.38 %Rwanda: 42.12 %Saudi Arabia: 69.41 %Sudan: 15.27 %Sweden: 99.72 %Singapore: 96.35 %Slovenia: 97.24 %Slovakia: 77.24 %Sierra Leone: 15.58 %Senegal: 15.42 %Somalia: 38.66 %El Salvador: 36.72 %Chad: 12.43 %Togo: 18.25 %Thailand: 78.14 %Tajikistan: 11.46 %Tunisia: 27.43 %Türkiye: 56.68 %Tanzania: 39.78 %Ukraine: 52.71 %Uganda: 44.45 %United States: 93.58 %Uruguay: 45.59 %Uzbekistan: 40.71 %Venezuela: 57.03 %Vietnam: 30.95 %Yemen: 6.45 %South Africa: 70.32 %Zambia: 35.64 %Zimbabwe: 32.39 %
  • Under 18
  • 18 to 35
  • 35 to 51
  • 51 to 73
  • 73 to 94
  • 94 and over
  • No data
%, 2014. 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, 2014

Denmark: 100 %Denmark100Finland: 100 %Finland100Norway: 100 %Norway100Sweden: 99.72 %Sweden99.72New Zealand: 99.53 %New Zealand99.53Netherlands: 99.3 %Netherlands99.3Canada: 99.1 %Canada99.1United Kingdom: 98.93 %United Kingdom98.93Australia: 98.86 %Australia98.86Germany: 98.76 %Germany98.76Belgium: 98.13 %Belgium98.13Switzerland: 97.99 %Switzerland97.99Estonia: 97.67 %Estonia97.67Spain: 97.58 %Spain97.58Slovenia: 97.24 %Slovenia97.24Austria: 96.73 %Austria96.73Japan: 96.65 %Japan96.65France: 96.58 %France96.58Singapore: 96.35 %Singapore96.35Malta: 96.33 %Malta96.33Luxembourg: 96.17 %Luxembourg96.17Hong Kong: 96.15 %Hong Kong96.15Ireland: 94.71 %Ireland94.71South Korea: 94.36 %South Korea94.36United States: 93.58 %United States93.58Iran: 92.28 %Iran92.28Mongolia: 91.82 %Mongolia91.82Latvia: 90.22 %Latvia90.22Cyprus: 90.15 %Cyprus90.15Israel: 89.95 %Israel89.95Greece: 87.52 %Greece87.52Portugal: 87.39 %Portugal87.39Italy: 87.33 %Italy87.33Croatia: 86.03 %Croatia86.03United Arab Emirates: 83.74 %United Arab Emirates83.74Serbia: 83.09 %Serbia83.09Sri Lanka: 82.69 %Sri Lanka82.69Mauritius: 82.21 %Mauritius82.21Czechia: 82.18 %Czechia82.18Bahrain: 81.94 %Bahrain81.94Denmark: 100 %Denmark100Finland: 100 %Finland100Norway: 100 %Norway100Sweden: 99.72 %Sweden99.72New Zealand: 99.53 %New Zealand99.53Netherlands: 99.3 %Netherlands99.3Canada: 99.1 %Canada99.1United Kingdom: 98.93 %United Kingdom98.93Australia: 98.86 %Australia98.86Germany: 98.76 %Germany98.76Belgium: 98.13 %Belgium98.13Switzerland: 97.99 %Switzerland97.99Estonia: 97.67 %Estonia97.67Spain: 97.58 %Spain97.58Slovenia: 97.24 %Slovenia97.24Austria: 96.73 %Austria96.73Japan: 96.65 %Japan96.65France: 96.58 %France96.58Singapore: 96.35 %Singapore96.35Malta: 96.33 %Malta96.33Luxembourg: 96.17 %Luxembourg96.17Hong Kong: 96.15 %Hong Kong96.15Ireland: 94.71 %Ireland94.71South Korea: 94.36 %South Korea94.36United States: 93.58 %United States93.58Iran: 92.28 %Iran92.28Mongolia: 91.82 %Mongolia91.82Latvia: 90.22 %Latvia90.22Cyprus: 90.15 %Cyprus90.15Israel: 89.95 %Israel89.95Greece: 87.52 %Greece87.52Portugal: 87.39 %Portugal87.39Italy: 87.33 %Italy87.33Croatia: 86.03 %Croatia86.03United Arab Emirates: 83.74 %United Arab Emirates83.74Serbia: 83.09 %Serbia83.09Sri Lanka: 82.69 %Sri Lanka82.69Mauritius: 82.21 %Mauritius82.21Czechia: 82.18 %Czechia82.18Bahrain: 81.94 %Bahrain81.94
%. 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

RankCountries2014 (%)
1Denmark100
1Finland100
1Norway100
4Sweden99.72
5New Zealand99.53
6Netherlands99.3
7Canada99.1
8United Kingdom98.93
9Australia98.86
10Germany98.76
11Belgium98.13
12Switzerland97.99
13Estonia97.67
14Spain97.58
15Slovenia97.24
16Austria96.73
17Japan96.65
18France96.58
19Singapore96.35
20Malta96.33
21Luxembourg96.17
22Hong Kong96.15
23Ireland94.71
24South Korea94.36
25United States93.58
26Iran92.28
27Mongolia91.82
28Latvia90.22
29Cyprus90.15
30Israel89.95
31Greece87.52
32Portugal87.39
33Italy87.33
34Croatia86.03
35United Arab Emirates83.74
36Serbia83.09
37Sri Lanka82.69
38Mauritius82.21
39Czechia82.18
40Bahrain81.94
41Malaysia80.67
42China78.97
43Jamaica78.46
44Thailand78.14
45Lithuania77.91
46Poland77.86
47Slovakia77.24
48Kenya74.66
49Kuwait72.91
50Hungary72.26
51Belarus71.98
52North Macedonia71.8
53South Africa70.32
54Puerto Rico69.74
55Saudi Arabia69.41
56Brazil68.12
57Russia67.38
58Costa Rica64.55
59Chile63.26
60Bulgaria62.99
61Romania60.84
62Montenegro59.83
63Namibia58.83
64Venezuela57.03
65Türkiye56.68
66Dominican Republic54.09
67Kazakhstan53.91
68India53.14
69Ukraine52.71
70Bosnia and Herzegovina52.69
71Botswana51.96
72Algeria50.48
73Argentina50.2
74Belize48.21
75Lebanon46.93
76Ecuador46.21
77Uruguay45.59
78Uganda44.45
79Nigeria44.44
80Panama43.66
81Rwanda42.12
82Bolivia41.8
83Guatemala41.35
84Uzbekistan40.71
85Ghana40.51
86Tanzania39.78
87Georgia39.67
88Mexico39.14
89Colombia39
90Somalia38.66
91Albania37.99
92El Salvador36.72
93Indonesia36.06
94Zambia35.64
95Côte d’Ivoire34.32
96Nepal33.8
97Bhutan33.67
98Gabon33.01
99Zimbabwe32.39
100Honduras31.49
101Philippines31.29
102Bangladesh30.99
103Vietnam30.95
104Angola29.32
105Azerbaijan29.15
106Peru28.98
107Tunisia27.43
108Jordan24.62
109Palestine24.24
110Mauritania22.87
111Myanmar22.78
112Cambodia22.17
113Ethiopia21.79
114Mali20.08
115Nicaragua19.44
116Haiti18.86
117Kyrgyzstan18.47
118Togo18.25
119Malawi18.09
120Moldova17.76
121Armenia17.67
122Democratic Republic of the Congo17.48
123Republic of the Congo17.07
124Benin16.62
125Sierra Leone15.58
126Senegal15.42
127Sudan15.27
128Burkina Faso14.36
129Egypt14.13
130Pakistan13.04
131Chad12.43
132Cameroon12.18
133Tajikistan11.46
134Iraq10.97
135Afghanistan9.96
136Madagascar8.55
137Burundi7.11
138Guinea6.96
139Niger6.71
140Yemen6.45

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. 20 countries with data in other periods have no value for 2014 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, 2014) [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, 2014. World Bank, 8 Oct. 2026, https://data.worldbank.org/indicator/FX.OWN.TOTL.ZS. Invokely, https://invokely.ai/rankings/account-ownership-adults/countries?period=2014. 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, 2014. 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=2014.

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, 2014 [Dataset]. Available at: https://data.worldbank.org/indicator/FX.OWN.TOTL.ZS, via Invokely: https://invokely.ai/rankings/account-ownership-adults/countries?period=2014 (Accessed: 12 October 2026).

BibTeX
@misc{world_countries_by_account_ownership_2014,
  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, 2014}},
  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=2014. 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, 2014
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=2014
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/account-ownership-adults/countries?period=2014.
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 100% in 2014, according to the World Bank.

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

Yemen, with 6.45% in 2014.

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. 20 countries have no value for 2014 and are not ranked.

Account ownership, adults aged 15 and over: other rankings

Countries: more rankings