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 143 countries in 2017, at 99.92%. South Sudan had the lowest, at 8.57%. The median was 58.7%. Source: the World Bank.

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Highest99.92Denmark
Lowest8.57South Sudan
Median58.7143 countries

Map of countries, 2017

United Arab Emirates: 88.21 %Afghanistan: 14.89 %Albania: 40.02 %Armenia: 47.76 %Argentina: 48.71 %Austria: 98.16 %Australia: 99.52 %Azerbaijan: 28.57 %Bosnia and Herzegovina: 58.84 %Bangladesh: 50.05 %Belgium: 98.64 %Burkina Faso: 43.16 %Bulgaria: 72.2 %Benin: 38.49 %Bolivia: 54.41 %Brazil: 70.04 %Botswana: 51.03 %Belarus: 81.16 %Canada: 99.73 %Democratic Republic of the Congo: 25.83 %Central African Republic: 13.75 %Republic of the Congo: 26.09 %Switzerland: 98.43 %Côte d’Ivoire: 41.33 %Chile: 74.35 %Cameroon: 34.59 %China: 79.53 %Colombia: 45.76 %Costa Rica: 67.84 %Cyprus: 88.72 %Czechia: 80.99 %Germany: 99.14 %Denmark: 99.92 %Dominican Republic: 56.24 %Algeria: 42.78 %Ecuador: 51.25 %Estonia: 97.99 %Egypt: 32.78 %Spain: 93.76 %Ethiopia: 34.83 %Finland: 99.79 %France: 94 %Gabon: 58.6 %United Kingdom: 96.37 %Georgia: 61.23 %Ghana: 57.72 %Gambia: 28.56 %Guinea: 23.49 %Greece: 85.47 %Guatemala: 44.11 %Hong Kong: 95.28 %Honduras: 45.34 %Croatia: 86.14 %Haiti: 32.62 %Hungary: 74.94 %Indonesia: 48.86 %Ireland: 95.34 %Israel: 92.81 %India: 79.88 %Iraq: 22.67 %Iran: 93.98 %Italy: 93.79 %Jordan: 42.49 %Japan: 98.24 %Kenya: 81.57 %Kyrgyzstan: 39.94 %Cambodia: 21.67 %South Korea: 94.85 %Kuwait: 79.84 %Kazakhstan: 58.7 %Laos: 29.06 %Lebanon: 44.75 %Sri Lanka: 73.65 %Liberia: 35.71 %Lesotho: 45.56 %Lithuania: 82.88 %Luxembourg: 98.77 %Latvia: 93.22 %Libya: 65.67 %Moldova: 43.79 %Montenegro: 68.36 %Madagascar: 17.87 %North Macedonia: 76.57 %Mali: 35.42 %Myanmar: 25.99 %Mongolia: 92.97 %Mauritania: 20.87 %Mauritius: 89.84 %Malawi: 33.71 %Mexico: 36.04 %Malaysia: 85.34 %Mozambique: 41.67 %Namibia: 80.63 %Niger: 15.52 %Nigeria: 39.67 %Nicaragua: 30.86 %Netherlands: 99.64 %Norway: 99.75 %Nepal: 45.39 %New Zealand: 99.18 %Panama: 46.49 %Peru: 42.6 %Philippines: 34.5 %Pakistan: 21.29 %Poland: 86.73 %Palestine: 25.02 %Portugal: 92.34 %Paraguay: 48.65 %Romania: 57.75 %Serbia: 71.44 %Russia: 75.76 %Rwanda: 50.02 %Saudi Arabia: 71.7 %Sweden: 99.74 %Singapore: 97.93 %Slovenia: 97.53 %Slovakia: 84.18 %Sierra Leone: 19.81 %Senegal: 42.34 %South Sudan: 8.57 %El Salvador: 30.35 %Chad: 21.76 %Togo: 45.29 %Thailand: 81.59 %Tajikistan: 47.02 %Turkmenistan: 40.58 %Tunisia: 36.91 %Türkiye: 68.59 %Trinidad and Tobago: 80.78 %Tanzania: 46.75 %Ukraine: 62.9 %Uganda: 59.2 %United States: 93.12 %Uruguay: 63.87 %Uzbekistan: 37.09 %Venezuela: 73.49 %Vietnam: 30.8 %South Africa: 69.22 %Zambia: 45.86 %Zimbabwe: 55.29 %
  • Under 33
  • 33 to 44
  • 44 to 58
  • 58 to 80
  • 80 to 94
  • 94 and over
  • No data
%, 2017. 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, 2017

Denmark: 99.92 %Denmark99.92Finland: 99.79 %Finland99.79Norway: 99.75 %Norway99.75Sweden: 99.74 %Sweden99.74Canada: 99.73 %Canada99.73Netherlands: 99.64 %Netherlands99.64Australia: 99.52 %Australia99.52New Zealand: 99.18 %New Zealand99.18Germany: 99.14 %Germany99.14Luxembourg: 98.77 %Luxembourg98.77Belgium: 98.64 %Belgium98.64Switzerland: 98.43 %Switzerland98.43Japan: 98.24 %Japan98.24Austria: 98.16 %Austria98.16Estonia: 97.99 %Estonia97.99Singapore: 97.93 %Singapore97.93Slovenia: 97.53 %Slovenia97.53Malta: 97.36 %Malta97.36United Kingdom: 96.37 %United Kingdom96.37Ireland: 95.34 %Ireland95.34Hong Kong: 95.28 %Hong Kong95.28South Korea: 94.85 %South Korea94.85France: 94 %France94Iran: 93.98 %Iran93.98Italy: 93.79 %Italy93.79Spain: 93.76 %Spain93.76Latvia: 93.22 %Latvia93.22United States: 93.12 %United States93.12Mongolia: 92.97 %Mongolia92.97Israel: 92.81 %Israel92.81Portugal: 92.34 %Portugal92.34Mauritius: 89.84 %Mauritius89.84Cyprus: 88.72 %Cyprus88.72United Arab Emirates: 88.21 %United Arab Emirates88.21Poland: 86.73 %Poland86.73Croatia: 86.14 %Croatia86.14Greece: 85.47 %Greece85.47Malaysia: 85.34 %Malaysia85.34Slovakia: 84.18 %Slovakia84.18Lithuania: 82.88 %Lithuania82.88Denmark: 99.92 %Denmark99.92Finland: 99.79 %Finland99.79Norway: 99.75 %Norway99.75Sweden: 99.74 %Sweden99.74Canada: 99.73 %Canada99.73Netherlands: 99.64 %Netherlands99.64Australia: 99.52 %Australia99.52New Zealand: 99.18 %New Zealand99.18Germany: 99.14 %Germany99.14Luxembourg: 98.77 %Luxembourg98.77Belgium: 98.64 %Belgium98.64Switzerland: 98.43 %Switzerland98.43Japan: 98.24 %Japan98.24Austria: 98.16 %Austria98.16Estonia: 97.99 %Estonia97.99Singapore: 97.93 %Singapore97.93Slovenia: 97.53 %Slovenia97.53Malta: 97.36 %Malta97.36United Kingdom: 96.37 %United Kingdom96.37Ireland: 95.34 %Ireland95.34Hong Kong: 95.28 %Hong Kong95.28South Korea: 94.85 %South Korea94.85France: 94 %France94Iran: 93.98 %Iran93.98Italy: 93.79 %Italy93.79Spain: 93.76 %Spain93.76Latvia: 93.22 %Latvia93.22United States: 93.12 %United States93.12Mongolia: 92.97 %Mongolia92.97Israel: 92.81 %Israel92.81Portugal: 92.34 %Portugal92.34Mauritius: 89.84 %Mauritius89.84Cyprus: 88.72 %Cyprus88.72United Arab Emirates: 88.21 %United Arab Emirates88.21Poland: 86.73 %Poland86.73Croatia: 86.14 %Croatia86.14Greece: 85.47 %Greece85.47Malaysia: 85.34 %Malaysia85.34Slovakia: 84.18 %Slovakia84.18Lithuania: 82.88 %Lithuania82.88
%. 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

RankCountries2017 (%)
1Denmark99.92
2Finland99.79
3Norway99.75
4Sweden99.74
5Canada99.73
6Netherlands99.64
7Australia99.52
8New Zealand99.18
9Germany99.14
10Luxembourg98.77
11Belgium98.64
12Switzerland98.43
13Japan98.24
14Austria98.16
15Estonia97.99
16Singapore97.93
17Slovenia97.53
18Malta97.36
19United Kingdom96.37
20Ireland95.34
21Hong Kong95.28
22South Korea94.85
23France94
24Iran93.98
25Italy93.79
26Spain93.76
27Latvia93.22
28United States93.12
29Mongolia92.97
30Israel92.81
31Portugal92.34
32Mauritius89.84
33Cyprus88.72
34United Arab Emirates88.21
35Poland86.73
36Croatia86.14
37Greece85.47
38Malaysia85.34
39Slovakia84.18
40Lithuania82.88
41Bahrain82.61
42Thailand81.59
43Kenya81.57
44Belarus81.16
45Czechia80.99
46Trinidad and Tobago80.78
47Namibia80.63
48India79.88
49Kuwait79.84
50Maldives79.55
51China79.53
52North Macedonia76.57
53Russia75.76
54Hungary74.94
55Chile74.35
56Sri Lanka73.65
57Venezuela73.49
58Bulgaria72.2
59Saudi Arabia71.7
60Serbia71.44
61Brazil70.04
62South Africa69.22
63Türkiye68.59
64Montenegro68.36
65Costa Rica67.84
66Libya65.67
67Uruguay63.87
68Ukraine62.9
69Georgia61.23
70Uganda59.2
71Bosnia and Herzegovina58.84
72Kazakhstan58.7
73Gabon58.6
74Romania57.75
75Ghana57.72
76Dominican Republic56.24
77Zimbabwe55.29
78Bolivia54.41
79Ecuador51.25
80Botswana51.03
81Bangladesh50.05
82Rwanda50.02
83Indonesia48.86
84Argentina48.71
85Paraguay48.65
86Armenia47.76
87Tajikistan47.02
88Tanzania46.75
89Panama46.49
90Zambia45.86
91Colombia45.76
92Lesotho45.56
93Nepal45.39
94Honduras45.34
95Togo45.29
96Lebanon44.75
97Guatemala44.11
98Moldova43.79
99Burkina Faso43.16
100Algeria42.78
101Peru42.6
102Jordan42.49
103Senegal42.34
104Mozambique41.67
105Côte d’Ivoire41.33
106Turkmenistan40.58
107Albania40.02
108Kyrgyzstan39.94
109Nigeria39.67
110Benin38.49
111Uzbekistan37.09
112Tunisia36.91
113Mexico36.04
114Liberia35.71
115Mali35.42
116Ethiopia34.83
117Cameroon34.59
118Philippines34.5
119Malawi33.71
120Egypt32.78
121Haiti32.62
122Nicaragua30.86
123Vietnam30.8
124El Salvador30.35
125Laos29.06
126Azerbaijan28.57
127Gambia28.56
128Republic of the Congo26.09
129Myanmar25.99
130Democratic Republic of the Congo25.83
131Palestine25.02
132Guinea23.49
133Iraq22.67
134Chad21.76
135Cambodia21.67
136Pakistan21.29
137Mauritania20.87
138Sierra Leone19.81
139Madagascar17.87
140Niger15.52
141Afghanistan14.89
142Central African Republic13.75
143South Sudan8.57

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. 17 countries with data in other periods have no value for 2017 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, 2017) [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, 2017. World Bank, 8 Oct. 2026, https://data.worldbank.org/indicator/FX.OWN.TOTL.ZS. Invokely, https://invokely.ai/rankings/account-ownership-adults/countries?period=2017. 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, 2017. 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=2017.

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, 2017 [Dataset]. Available at: https://data.worldbank.org/indicator/FX.OWN.TOTL.ZS, via Invokely: https://invokely.ai/rankings/account-ownership-adults/countries?period=2017 (Accessed: 12 October 2026).

BibTeX
@misc{world_countries_by_account_ownership_2017,
  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, 2017}},
  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=2017. 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, 2017
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=2017
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/account-ownership-adults/countries?period=2017.
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 99.92% in 2017, according to the World Bank.

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

South Sudan, with 8.57% in 2017.

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. 17 countries have no value for 2017 and are not ranked.

Account ownership, adults aged 15 and over: other rankings

Countries: more rankings