Data / Rankings / Account ownership, adults aged 25 and over / Countries

Countries by account ownership, adults aged 25 and over

Denmark had the highest account ownership, adults aged 25 and over of 142 countries in 2017, at 99.9%. The Central African Republic had the lowest, at 15.34%. The median was 62.58%. Source: the World Bank.

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Highest99.9Denmark
Lowest15.34Central African Republic
Median62.58142 countries

Map of countries, 2017

United Arab Emirates: 90.74 %Afghanistan: 18.02 %Albania: 42.51 %Armenia: 48.02 %Argentina: 53.34 %Austria: 99.09 %Australia: 99.45 %Azerbaijan: 34.54 %Bosnia and Herzegovina: 62.8 %Bangladesh: 53.53 %Belgium: 99.3 %Burkina Faso: 45.56 %Bulgaria: 75.1 %Benin: 40.8 %Bolivia: 59.91 %Brazil: 77.23 %Botswana: 52.73 %Belarus: 85.01 %Canada: 99.69 %Democratic Republic of the Congo: 26.64 %Central African Republic: 15.34 %Republic of the Congo: 26.33 %Switzerland: 99.81 %Côte d’Ivoire: 45.13 %Chile: 74.28 %Cameroon: 39.66 %China: 78.49 %Colombia: 49.42 %Costa Rica: 67.9 %Cyprus: 91.86 %Czechia: 87.55 %Germany: 99.51 %Denmark: 99.9 %Dominican Republic: 62.35 %Algeria: 48.75 %Ecuador: 57.28 %Estonia: 98.83 %Egypt: 39.66 %Spain: 97.99 %Ethiopia: 38.36 %Finland: 99.76 %France: 97.91 %Gabon: 59.21 %United Kingdom: 98.71 %Georgia: 66.88 %Ghana: 61.89 %Gambia: 32.96 %Guinea: 23.32 %Greece: 90.79 %Guatemala: 45.42 %Hong Kong: 96.4 %Honduras: 50.82 %Croatia: 92.66 %Haiti: 35.52 %Hungary: 77.13 %Indonesia: 49.5 %Ireland: 97.56 %Israel: 98.87 %India: 83.08 %Iraq: 25.8 %Iran: 94.59 %Italy: 97.66 %Jordan: 51.31 %Japan: 99.24 %Kenya: 84.11 %Kyrgyzstan: 45.58 %Cambodia: 22.59 %South Korea: 96.39 %Kuwait: 81.31 %Kazakhstan: 66.05 %Laos: 31.73 %Lebanon: 50.16 %Sri Lanka: 72.9 %Liberia: 35.48 %Lesotho: 48.03 %Lithuania: 86.25 %Luxembourg: 99.46 %Latvia: 95.36 %Libya: 70.46 %Moldova: 44.79 %Montenegro: 74.37 %Madagascar: 17.96 %North Macedonia: 82.49 %Mali: 36.73 %Myanmar: 30.84 %Mongolia: 95.97 %Mauritania: 24.79 %Mauritius: 92.42 %Malawi: 35.23 %Mexico: 37.67 %Malaysia: 85.82 %Mozambique: 39.81 %Namibia: 82.86 %Niger: 18.57 %Nigeria: 43.36 %Nicaragua: 33.07 %Netherlands: 99.58 %Norway: 99.71 %Nepal: 47.72 %New Zealand: 99.8 %Panama: 49.53 %Peru: 47.05 %Philippines: 38.83 %Pakistan: 24.53 %Poland: 90.47 %Palestine: 33.08 %Portugal: 94.22 %Paraguay: 54.6 %Romania: 58.88 %Serbia: 76.93 %Russia: 77.53 %Rwanda: 54.37 %Saudi Arabia: 76.01 %Sweden: 99.85 %Singapore: 97.95 %Slovenia: 97.24 %Slovakia: 89.59 %Sierra Leone: 20.16 %Senegal: 46.53 %El Salvador: 33.21 %Chad: 23.9 %Togo: 45.96 %Thailand: 83.17 %Tajikistan: 45.94 %Turkmenistan: 48.83 %Tunisia: 40.02 %Türkiye: 71.94 %Trinidad and Tobago: 83.98 %Tanzania: 47.31 %Ukraine: 64.2 %Uganda: 60.61 %United States: 94.21 %Uruguay: 68.72 %Uzbekistan: 43.63 %Venezuela: 78.28 %Vietnam: 29.88 %South Africa: 71.68 %Zambia: 48.44 %Zimbabwe: 58.77 %
  • Under 36
  • 36 to 48
  • 48 to 62
  • 62 to 82
  • 82 to 96
  • 96 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, older adults (% of population ages 25+) (FX.OWN.TOTL.OL.ZS). Boundaries: Natural Earth (public domain).

Top 40 countries, 2017

Denmark: 99.9 %Denmark99.9Sweden: 99.85 %Sweden99.85Switzerland: 99.81 %Switzerland99.81New Zealand: 99.8 %New Zealand99.8Finland: 99.76 %Finland99.76Norway: 99.71 %Norway99.71Canada: 99.69 %Canada99.69Netherlands: 99.58 %Netherlands99.58Germany: 99.51 %Germany99.51Luxembourg: 99.46 %Luxembourg99.46Australia: 99.45 %Australia99.45Belgium: 99.3 %Belgium99.3Japan: 99.24 %Japan99.24Austria: 99.09 %Austria99.09Israel: 98.87 %Israel98.87Estonia: 98.83 %Estonia98.83United Kingdom: 98.71 %United Kingdom98.71Spain: 97.99 %Spain97.99Singapore: 97.95 %Singapore97.95France: 97.91 %France97.91Italy: 97.66 %Italy97.66Ireland: 97.56 %Ireland97.56Malta: 97.35 %Malta97.35Slovenia: 97.24 %Slovenia97.24Hong Kong: 96.4 %Hong Kong96.4South Korea: 96.39 %South Korea96.39Mongolia: 95.97 %Mongolia95.97Latvia: 95.36 %Latvia95.36Iran: 94.59 %Iran94.59Portugal: 94.22 %Portugal94.22United States: 94.21 %United States94.21Croatia: 92.66 %Croatia92.66Mauritius: 92.42 %Mauritius92.42Cyprus: 91.86 %Cyprus91.86Greece: 90.79 %Greece90.79United Arab Emirates: 90.74 %United Arab Emirates90.74Poland: 90.47 %Poland90.47Slovakia: 89.59 %Slovakia89.59Czechia: 87.55 %Czechia87.55Lithuania: 86.25 %Lithuania86.25Denmark: 99.9 %Denmark99.9Sweden: 99.85 %Sweden99.85Switzerland: 99.81 %Switzerland99.81New Zealand: 99.8 %New Zealand99.8Finland: 99.76 %Finland99.76Norway: 99.71 %Norway99.71Canada: 99.69 %Canada99.69Netherlands: 99.58 %Netherlands99.58Germany: 99.51 %Germany99.51Luxembourg: 99.46 %Luxembourg99.46Australia: 99.45 %Australia99.45Belgium: 99.3 %Belgium99.3Japan: 99.24 %Japan99.24Austria: 99.09 %Austria99.09Israel: 98.87 %Israel98.87Estonia: 98.83 %Estonia98.83United Kingdom: 98.71 %United Kingdom98.71Spain: 97.99 %Spain97.99Singapore: 97.95 %Singapore97.95France: 97.91 %France97.91Italy: 97.66 %Italy97.66Ireland: 97.56 %Ireland97.56Malta: 97.35 %Malta97.35Slovenia: 97.24 %Slovenia97.24Hong Kong: 96.4 %Hong Kong96.4South Korea: 96.39 %South Korea96.39Mongolia: 95.97 %Mongolia95.97Latvia: 95.36 %Latvia95.36Iran: 94.59 %Iran94.59Portugal: 94.22 %Portugal94.22United States: 94.21 %United States94.21Croatia: 92.66 %Croatia92.66Mauritius: 92.42 %Mauritius92.42Cyprus: 91.86 %Cyprus91.86Greece: 90.79 %Greece90.79United Arab Emirates: 90.74 %United Arab Emirates90.74Poland: 90.47 %Poland90.47Slovakia: 89.59 %Slovakia89.59Czechia: 87.55 %Czechia87.55Lithuania: 86.25 %Lithuania86.25
%. Source: World Bank Global Findex, Global Findex: Account ownership at a financial institution or with a mobile-money-service provider, older adults (% of population ages 25+) (FX.OWN.TOTL.OL.ZS). Retrieved 2026-10-12.

Full ranking

RankCountries2017 (%)
1Denmark99.9
2Sweden99.85
3Switzerland99.81
4New Zealand99.8
5Finland99.76
6Norway99.71
7Canada99.69
8Netherlands99.58
9Germany99.51
10Luxembourg99.46
11Australia99.45
12Belgium99.3
13Japan99.24
14Austria99.09
15Israel98.87
16Estonia98.83
17United Kingdom98.71
18Spain97.99
19Singapore97.95
20France97.91
21Italy97.66
22Ireland97.56
23Malta97.35
24Slovenia97.24
25Hong Kong96.4
26South Korea96.39
27Mongolia95.97
28Latvia95.36
29Iran94.59
30Portugal94.22
31United States94.21
32Croatia92.66
33Mauritius92.42
34Cyprus91.86
35Greece90.79
36United Arab Emirates90.74
37Poland90.47
38Slovakia89.59
39Czechia87.55
40Lithuania86.25
41Malaysia85.82
42Bahrain85.48
43Belarus85.01
44Maldives84.14
45Kenya84.11
46Trinidad and Tobago83.98
47Thailand83.17
48India83.08
49Namibia82.86
50North Macedonia82.49
51Kuwait81.31
52China78.49
53Venezuela78.28
54Russia77.53
55Brazil77.23
56Hungary77.13
57Serbia76.93
58Saudi Arabia76.01
59Bulgaria75.1
60Montenegro74.37
61Chile74.28
62Sri Lanka72.9
63Türkiye71.94
64South Africa71.68
65Libya70.46
66Uruguay68.72
67Costa Rica67.9
68Georgia66.88
69Kazakhstan66.05
70Ukraine64.2
71Bosnia and Herzegovina62.8
72Dominican Republic62.35
73Ghana61.89
74Uganda60.61
75Bolivia59.91
76Gabon59.21
77Romania58.88
78Zimbabwe58.77
79Ecuador57.28
80Paraguay54.6
81Rwanda54.37
82Bangladesh53.53
83Argentina53.34
84Botswana52.73
85Jordan51.31
86Honduras50.82
87Lebanon50.16
88Panama49.53
89Indonesia49.5
90Colombia49.42
91Turkmenistan48.83
92Algeria48.75
93Zambia48.44
94Lesotho48.03
95Armenia48.02
96Nepal47.72
97Tanzania47.31
98Peru47.05
99Senegal46.53
100Togo45.96
101Tajikistan45.94
102Kyrgyzstan45.58
103Burkina Faso45.56
104Guatemala45.42
105Côte d’Ivoire45.13
106Moldova44.79
107Uzbekistan43.63
108Nigeria43.36
109Albania42.51
110Benin40.8
111Tunisia40.02
112Mozambique39.81
113Cameroon39.66
114Egypt39.66
115Philippines38.83
116Ethiopia38.36
117Mexico37.67
118Mali36.73
119Haiti35.52
120Liberia35.48
121Malawi35.23
122Azerbaijan34.54
123El Salvador33.21
124Palestine33.08
125Nicaragua33.07
126Gambia32.96
127Laos31.73
128Myanmar30.84
129Vietnam29.88
130Democratic Republic of the Congo26.64
131Republic of the Congo26.33
132Iraq25.8
133Mauritania24.79
134Pakistan24.53
135Chad23.9
136Guinea23.32
137Cambodia22.59
138Sierra Leone20.16
139Niger18.57
140Afghanistan18.02
141Madagascar17.96
142Central African Republic15.34

Other periods

About this ranking

Percentage of respondents aged 25 and over who have a financial institution or mobile money account.

More on how it is measured
  • This age band is not a measure of pensioners or people aged 65 and over.
  • 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. 16 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, older adults (% of population ages 25+) (FX.OWN.TOTL.OL.ZS). https://data.worldbank.org/indicator/FX.OWN.TOTL.OL.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, older adults (% of population ages 25+) (FX.OWN.TOTL.OL.ZS) (Countries by account ownership, adults aged 25 and over, 2017) [Data set]. Retrieved October 12, 2026, from https://data.worldbank.org/indicator/FX.OWN.TOTL.OL.ZS

MLA 9

Global Findex: Account ownership at a financial institution or with a mobile-money-service provider, older adults (% of population ages 25+) (FX.OWN.TOTL.OL.ZS), Countries by account ownership, adults aged 25 and over, 2017. World Bank, 8 Oct. 2026, https://data.worldbank.org/indicator/FX.OWN.TOTL.OL.ZS. Invokely, https://invokely.ai/rankings/account-ownership-older-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, older adults (% of population ages 25+) (FX.OWN.TOTL.OL.ZS). Countries by account ownership, adults aged 25 and over, 2017. Dataset. Accessed October 12, 2026. https://data.worldbank.org/indicator/FX.OWN.TOTL.OL.ZS. Also distributed by Invokely, https://invokely.ai/rankings/account-ownership-older-adults/countries?period=2017.

Harvard

World Bank (2026) Global Findex: Account ownership at a financial institution or with a mobile-money-service provider, older adults (% of population ages 25+) (FX.OWN.TOTL.OL.ZS), Countries by account ownership, adults aged 25 and over, 2017 [Dataset]. Available at: https://data.worldbank.org/indicator/FX.OWN.TOTL.OL.ZS, via Invokely: https://invokely.ai/rankings/account-ownership-older-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, older adults (\% of population ages 25+) (FX.OWN.TOTL.OL.ZS): Countries by account ownership, adults aged 25 and over, 2017}},
  year = {2026},
  howpublished = {Data set},
  url = {https://data.worldbank.org/indicator/FX.OWN.TOTL.OL.ZS},
  urldate = {2026-10-12},
  note = {Accessed via Invokely, https://invokely.ai/rankings/account-ownership-older-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, older adults (\% of population ages 25+) (FX.OWN.TOTL.OL.ZS). https://data.worldbank.org/indicator/FX.OWN.TOTL.OL.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, older adults (% of population ages 25+) (FX.OWN.TOTL.OL.ZS): Countries by account ownership, adults aged 25 and over, 2017
PY  - 2026
DA  - 2026/10/08
PB  - World Bank
DB  - Invokely
UR  - https://data.worldbank.org/indicator/FX.OWN.TOTL.OL.ZS
L2  - https://invokely.ai/rankings/account-ownership-older-adults/countries?period=2017
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/account-ownership-older-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, older adults (% of population ages 25+) (FX.OWN.TOTL.OL.ZS). https://data.worldbank.org/indicator/FX.OWN.TOTL.OL.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 25 and over?

Denmark, with 99.9% in 2017, according to the World Bank.

Which country has the lowest account ownership, adults aged 25 and over?

The Central African Republic, with 15.34% 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, older adults (% of population ages 25+) (FX.OWN.TOTL.OL.ZS). Retrieved 2026-10-12. 16 countries have no value for 2017 and are not ranked.

Account ownership, adults aged 25 and over: other rankings

Countries: more rankings