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

EU countries by account ownership, adults aged 25 and over

Denmark had the highest account ownership, adults aged 25 and over of 27 EU countries in 2017, at 99.9%. Romania had the lowest, at 58.88%. The median was 97.35%. Source: the World Bank.

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Highest99.9Denmark
Lowest58.88Romania
Median97.3527 EU countries

Map of EU countries, 2017

Austria: 99.09 %Belgium: 99.3 %Bulgaria: 75.1 %Cyprus: 91.86 %Czechia: 87.55 %Germany: 99.51 %Denmark: 99.9 %Estonia: 98.83 %Spain: 97.99 %Finland: 99.76 %France: 97.91 %Greece: 90.79 %Croatia: 92.66 %Hungary: 77.13 %Ireland: 97.56 %Italy: 97.66 %Lithuania: 86.25 %Luxembourg: 99.46 %Latvia: 95.36 %Malta: 97.35 %Netherlands: 99.58 %Poland: 90.47 %Portugal: 94.22 %Romania: 58.88 %Sweden: 99.85 %Slovenia: 97.24 %Slovakia: 89.59 %
  • Under 90
  • 90 to 95
  • 95 to 98
  • 98 to 99
  • 99 and over
%, 2017. 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, 2017

Denmark: 99.9 %Denmark99.9Sweden: 99.85 %Sweden99.85Finland: 99.76 %Finland99.76Netherlands: 99.58 %Netherlands99.58Germany: 99.51 %Germany99.51Luxembourg: 99.46 %Luxembourg99.46Belgium: 99.3 %Belgium99.3Austria: 99.09 %Austria99.09Estonia: 98.83 %Estonia98.83Spain: 97.99 %Spain97.99France: 97.91 %France97.91Italy: 97.66 %Italy97.66Ireland: 97.56 %Ireland97.56Malta: 97.35 %Malta97.35Slovenia: 97.24 %Slovenia97.24Latvia: 95.36 %Latvia95.36Portugal: 94.22 %Portugal94.22Croatia: 92.66 %Croatia92.66Cyprus: 91.86 %Cyprus91.86Greece: 90.79 %Greece90.79Poland: 90.47 %Poland90.47Slovakia: 89.59 %Slovakia89.59Czechia: 87.55 %Czechia87.55Lithuania: 86.25 %Lithuania86.25Hungary: 77.13 %Hungary77.13Bulgaria: 75.1 %Bulgaria75.1Romania: 58.88 %Romania58.88Denmark: 99.9 %Denmark99.9Sweden: 99.85 %Sweden99.85Finland: 99.76 %Finland99.76Netherlands: 99.58 %Netherlands99.58Germany: 99.51 %Germany99.51Luxembourg: 99.46 %Luxembourg99.46Belgium: 99.3 %Belgium99.3Austria: 99.09 %Austria99.09Estonia: 98.83 %Estonia98.83Spain: 97.99 %Spain97.99France: 97.91 %France97.91Italy: 97.66 %Italy97.66Ireland: 97.56 %Ireland97.56Malta: 97.35 %Malta97.35Slovenia: 97.24 %Slovenia97.24Latvia: 95.36 %Latvia95.36Portugal: 94.22 %Portugal94.22Croatia: 92.66 %Croatia92.66Cyprus: 91.86 %Cyprus91.86Greece: 90.79 %Greece90.79Poland: 90.47 %Poland90.47Slovakia: 89.59 %Slovakia89.59Czechia: 87.55 %Czechia87.55Lithuania: 86.25 %Lithuania86.25Hungary: 77.13 %Hungary77.13Bulgaria: 75.1 %Bulgaria75.1Romania: 58.88 %Romania58.88
%. 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 countries2017 (%)
1Denmark99.9
2Sweden99.85
3Finland99.76
4Netherlands99.58
5Germany99.51
6Luxembourg99.46
7Belgium99.3
8Austria99.09
9Estonia98.83
10Spain97.99
11France97.91
12Italy97.66
13Ireland97.56
14Malta97.35
15Slovenia97.24
16Latvia95.36
17Portugal94.22
18Croatia92.66
19Cyprus91.86
20Greece90.79
21Poland90.47
22Slovakia89.59
23Czechia87.55
24Lithuania86.25
25Hungary77.13
26Bulgaria75.1
27Romania58.88

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. 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, 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), EU 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/eu-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). EU 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/eu-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), EU 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/eu-countries?period=2017 (Accessed: 12 October 2026).

BibTeX
@misc{world_eu_countries_by_account_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): EU 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/eu-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): EU 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/eu-countries?period=2017
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/account-ownership-older-adults/eu-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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Rank EU countries by account ownership, adults aged 25 and over using official data, and cite the source.
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Questions

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

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

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

Romania, with 58.88% 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.

Account ownership, adults aged 25 and over: other rankings

EU countries: more rankings