Data / Rankings / Account ownership, adults aged 25 and over / EU countries

EU countries by account ownership, adults aged 25 and over, 2024

Finland had the highest account ownership, adults aged 25 and over of 26 EU countries in 2024, at 100%. Romania had the lowest, at 69.47%. The median was 97.98%. Source: the World Bank.

Keep it in a collection in your library.
Highest100Finland
Lowest69.47Romania
Median97.9826 EU countries

Map of EU countries, 2024

Austria: 99.44 %Belgium: 98.27 %Bulgaria: 85.3 %Cyprus: 96.27 %Czechia: 92.4 %Germany: 99.29 %Denmark: 98.78 %Estonia: 98.98 %Spain: 98.18 %Finland: 100 %France: 99.09 %Greece: 90.78 %Croatia: 97.77 %Hungary: 85.81 %Ireland: 98.26 %Italy: 89.65 %Lithuania: 98.88 %Latvia: 95.6 %Malta: 96.61 %Netherlands: 99.03 %Poland: 87.85 %Portugal: 91.18 %Romania: 69.47 %Sweden: 98.35 %Slovenia: 98.76 %Slovakia: 93.62 %
  • Under 91
  • 91 to 96
  • 96 to 98
  • 98 to 99
  • 99 and over
  • No data
%, 2024. 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).

All EU countries, 2024

Finland: 100 %Finland100Austria: 99.44 %Austria99.44Germany: 99.29 %Germany99.29France: 99.09 %France99.09Netherlands: 99.03 %Netherlands99.03Estonia: 98.98 %Estonia98.98Lithuania: 98.88 %Lithuania98.88Denmark: 98.78 %Denmark98.78Slovenia: 98.76 %Slovenia98.76Sweden: 98.35 %Sweden98.35Belgium: 98.27 %Belgium98.27Ireland: 98.26 %Ireland98.26Spain: 98.18 %Spain98.18Croatia: 97.77 %Croatia97.77Malta: 96.61 %Malta96.61Cyprus: 96.27 %Cyprus96.27Latvia: 95.6 %Latvia95.6Slovakia: 93.62 %Slovakia93.62Czechia: 92.4 %Czechia92.4Portugal: 91.18 %Portugal91.18Greece: 90.78 %Greece90.78Italy: 89.65 %Italy89.65Poland: 87.85 %Poland87.85Hungary: 85.81 %Hungary85.81Bulgaria: 85.3 %Bulgaria85.3Romania: 69.47 %Romania69.47Finland: 100 %Finland100Austria: 99.44 %Austria99.44Germany: 99.29 %Germany99.29France: 99.09 %France99.09Netherlands: 99.03 %Netherlands99.03Estonia: 98.98 %Estonia98.98Lithuania: 98.88 %Lithuania98.88Denmark: 98.78 %Denmark98.78Slovenia: 98.76 %Slovenia98.76Sweden: 98.35 %Sweden98.35Belgium: 98.27 %Belgium98.27Ireland: 98.26 %Ireland98.26Spain: 98.18 %Spain98.18Croatia: 97.77 %Croatia97.77Malta: 96.61 %Malta96.61Cyprus: 96.27 %Cyprus96.27Latvia: 95.6 %Latvia95.6Slovakia: 93.62 %Slovakia93.62Czechia: 92.4 %Czechia92.4Portugal: 91.18 %Portugal91.18Greece: 90.78 %Greece90.78Italy: 89.65 %Italy89.65Poland: 87.85 %Poland87.85Hungary: 85.81 %Hungary85.81Bulgaria: 85.3 %Bulgaria85.3Romania: 69.47 %Romania69.47
%. 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

RankEU countries2024 (%)
1Finland100
2Austria99.44
3Germany99.29
4France99.09
5Netherlands99.03
6Estonia98.98
7Lithuania98.88
8Denmark98.78
9Slovenia98.76
10Sweden98.35
11Belgium98.27
12Ireland98.26
13Spain98.18
14Croatia97.77
15Malta96.61
16Cyprus96.27
17Latvia95.6
18Slovakia93.62
19Czechia92.4
20Portugal91.18
21Greece90.78
22Italy89.65
23Poland87.85
24Hungary85.81
25Bulgaria85.3
26Romania69.47

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 EU countries are compared on one definition. 1 EU countries with data in other periods have no value for 2024 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) (EU countries by account ownership, adults aged 25 and over, 2024) [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), EU countries by account ownership, adults aged 25 and over, 2024. World Bank, 8 Oct. 2026, https://data.worldbank.org/indicator/FX.OWN.TOTL.OL.ZS. Invokely, https://invokely.ai/rankings/account-ownership-older-adults/eu-countries. 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). EU countries by account ownership, adults aged 25 and over, 2024. 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/eu-countries.

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), EU countries by account ownership, adults aged 25 and over, 2024 [Dataset]. Available at: https://data.worldbank.org/indicator/FX.OWN.TOTL.OL.ZS, via Invokely: https://invokely.ai/rankings/account-ownership-older-adults/eu-countries (Accessed: 12 October 2026).

BibTeX
@misc{world_eu_countries_by_account_2024,
  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): EU countries by account ownership, adults aged 25 and over, 2024}},
  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/eu-countries. 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): EU countries by account ownership, adults aged 25 and over, 2024
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/eu-countries
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/account-ownership-older-adults/eu-countries.
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  -
Embed this chart

Paste this code into a web page or a blog post. The chart shows the latest figures as they are published, with the source and a link back to this page.

Sites that read oEmbed links, such as WordPress, can show the chart when you paste the link to this page.

Use this data in your AI agent

Invokely serves this figure to AI assistants through MCP and to code through a REST API, with the source and citation attached. Ask your assistant:

Rank EU countries by account ownership, adults aged 25 and over using official data, and cite the source.
rank_places {"indicator":"account_ownership_older_adults","level":"country","within":"European Union (27)","limit":10}
GET https://invokely.ai/api/v1/rank?indicator=account_ownership_older_adults&level=country&within=European%20Union%20(27)&limit=10

Connect Claude, ChatGPT or Cursor in one step. The trial answers 25 calls a day without an account.

Questions

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

Finland, with 100% in 2024, according to the World Bank.

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

Romania, with 69.47% in 2024.

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. 1 EU countries have no value for 2024 and are not ranked.

Account ownership, adults aged 25 and over: other rankings

EU countries: more rankings