Data / Rankings / Account ownership, adults in the poorest 40% of households / Countries

Countries by account ownership, adults in the poorest 40% of households

Australia had the highest account ownership, adults in the poorest 40% of households of 132 countries in 2014, at 100%. Cameroon had the lowest, at 2.3%. The median was 44.18%. Source: the World Bank.

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Highest100Australia
Lowest2.3Cameroon
Median44.18132 countries

Map of countries, 2014

United Arab Emirates: 77.69 %Albania: 23.89 %Armenia: 11.09 %Angola: 12.54 %Argentina: 44.63 %Austria: 96.27 %Australia: 100 %Azerbaijan: 24.79 %Bosnia and Herzegovina: 40.77 %Bangladesh: 23.03 %Belgium: 98.61 %Burkina Faso: 6.43 %Bulgaria: 49.36 %Benin: 10.01 %Bolivia: 25.92 %Brazil: 57.23 %Bhutan: 24.9 %Botswana: 31.97 %Belarus: 66.56 %Belize: 37.38 %Canada: 98.41 %Democratic Republic of the Congo: 10.78 %Republic of the Congo: 7.02 %Switzerland: 98.87 %Côte d’Ivoire: 24.18 %Chile: 53.8 %Cameroon: 2.3 %China: 72.68 %Colombia: 24.39 %Costa Rica: 56.74 %Cyprus: 88 %Czechia: 77.14 %Germany: 96.99 %Denmark: 100 %Dominican Republic: 41.29 %Algeria: 36.97 %Ecuador: 31.04 %Estonia: 97.21 %Egypt: 5.46 %Spain: 96.64 %Ethiopia: 15.01 %Finland: 100 %France: 94.48 %Gabon: 17.55 %United Kingdom: 98.08 %Georgia: 28.38 %Ghana: 33.52 %Greece: 82.35 %Guatemala: 29.08 %Hong Kong: 94.04 %Honduras: 20.86 %Croatia: 78.91 %Haiti: 13.31 %Hungary: 66.57 %Indonesia: 22.13 %Ireland: 92.25 %Israel: 85.07 %India: 43.61 %Iraq: 8.43 %Iran: 89.9 %Italy: 82.63 %Jamaica: 69.23 %Jordan: 16.34 %Japan: 96.97 %Kenya: 63.17 %Kyrgyzstan: 12.16 %Cambodia: 16.31 %South Korea: 94.35 %Kuwait: 63.67 %Kazakhstan: 44.73 %Lebanon: 28.35 %Sri Lanka: 78.7 %Lithuania: 69.12 %Luxembourg: 95.24 %Latvia: 86.51 %Moldova: 11.08 %Montenegro: 46.4 %North Macedonia: 59.84 %Mali: 15.36 %Myanmar: 19.35 %Mongolia: 89.11 %Mauritius: 71.95 %Malawi: 9.36 %Mexico: 29.36 %Malaysia: 75.28 %Namibia: 40.7 %Nigeria: 30.51 %Nicaragua: 8.84 %Netherlands: 98.96 %Norway: 100 %Nepal: 24.13 %New Zealand: 99.36 %Panama: 31.86 %Peru: 15.72 %Philippines: 18.04 %Pakistan: 9.75 %Poland: 71.32 %Puerto Rico: 56.04 %Palestine: 15.64 %Portugal: 80.18 %Romania: 44.85 %Serbia: 82.52 %Russia: 63.19 %Rwanda: 17.09 %Saudi Arabia: 64.82 %Sudan: 7.53 %Sweden: 99.34 %Singapore: 96.27 %Slovenia: 95.74 %Slovakia: 69.87 %Senegal: 4.39 %Somalia: 27.36 %El Salvador: 21.94 %Chad: 7.13 %Togo: 8.14 %Thailand: 71.36 %Tajikistan: 5.79 %Tunisia: 14.81 %Türkiye: 51.13 %Tanzania: 24.77 %Ukraine: 43.74 %Uganda: 28.81 %United States: 87.69 %Uruguay: 33.21 %Uzbekistan: 34.86 %Venezuela: 48.03 %Vietnam: 18.71 %South Africa: 56.35 %Zambia: 20.57 %Zimbabwe: 16.3 %
  • Under 15
  • 15 to 25
  • 25 to 44
  • 44 to 69
  • 69 to 93
  • 93 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, poorest 40% (% of population ages 15+) (FX.OWN.TOTL.40.ZS). Boundaries: Natural Earth (public domain).

Top 40 countries, 2014

Australia: 100 %Australia100Denmark: 100 %Denmark100Finland: 100 %Finland100Norway: 100 %Norway100New Zealand: 99.36 %New Zealand99.36Sweden: 99.34 %Sweden99.34Netherlands: 98.96 %Netherlands98.96Switzerland: 98.87 %Switzerland98.87Belgium: 98.61 %Belgium98.61Canada: 98.41 %Canada98.41United Kingdom: 98.08 %United Kingdom98.08Estonia: 97.21 %Estonia97.21Germany: 96.99 %Germany96.99Japan: 96.97 %Japan96.97Spain: 96.64 %Spain96.64Singapore: 96.27 %Singapore96.27Austria: 96.27 %Austria96.27Slovenia: 95.74 %Slovenia95.74Luxembourg: 95.24 %Luxembourg95.24Malta: 94.62 %Malta94.62France: 94.48 %France94.48South Korea: 94.35 %South Korea94.35Hong Kong: 94.04 %Hong Kong94.04Ireland: 92.25 %Ireland92.25Iran: 89.9 %Iran89.9Mongolia: 89.11 %Mongolia89.11Cyprus: 88 %Cyprus88United States: 87.69 %United States87.69Latvia: 86.51 %Latvia86.51Israel: 85.07 %Israel85.07Italy: 82.63 %Italy82.63Serbia: 82.52 %Serbia82.52Greece: 82.35 %Greece82.35Bahrain: 81.03 %Bahrain81.03Portugal: 80.18 %Portugal80.18Croatia: 78.91 %Croatia78.91Sri Lanka: 78.7 %Sri Lanka78.7United Arab Emirates: 77.69 %United Arab Emirates77.69Czechia: 77.14 %Czechia77.14Malaysia: 75.28 %Malaysia75.28Australia: 100 %Australia100Denmark: 100 %Denmark100Finland: 100 %Finland100Norway: 100 %Norway100New Zealand: 99.36 %New Zealand99.36Sweden: 99.34 %Sweden99.34Netherlands: 98.96 %Netherlands98.96Switzerland: 98.87 %Switzerland98.87Belgium: 98.61 %Belgium98.61Canada: 98.41 %Canada98.41United Kingdom: 98.08 %United Kingdom98.08Estonia: 97.21 %Estonia97.21Germany: 96.99 %Germany96.99Japan: 96.97 %Japan96.97Spain: 96.64 %Spain96.64Singapore: 96.27 %Singapore96.27Austria: 96.27 %Austria96.27Slovenia: 95.74 %Slovenia95.74Luxembourg: 95.24 %Luxembourg95.24Malta: 94.62 %Malta94.62France: 94.48 %France94.48South Korea: 94.35 %South Korea94.35Hong Kong: 94.04 %Hong Kong94.04Ireland: 92.25 %Ireland92.25Iran: 89.9 %Iran89.9Mongolia: 89.11 %Mongolia89.11Cyprus: 88 %Cyprus88United States: 87.69 %United States87.69Latvia: 86.51 %Latvia86.51Israel: 85.07 %Israel85.07Italy: 82.63 %Italy82.63Serbia: 82.52 %Serbia82.52Greece: 82.35 %Greece82.35Bahrain: 81.03 %Bahrain81.03Portugal: 80.18 %Portugal80.18Croatia: 78.91 %Croatia78.91Sri Lanka: 78.7 %Sri Lanka78.7United Arab Emirates: 77.69 %United Arab Emirates77.69Czechia: 77.14 %Czechia77.14Malaysia: 75.28 %Malaysia75.28
%. Source: World Bank Global Findex, Global Findex: Account ownership at a financial institution or with a mobile-money-service provider, poorest 40% (% of population ages 15+) (FX.OWN.TOTL.40.ZS). Retrieved 2026-10-12.

Full ranking

RankCountries2014 (%)
1Australia100
1Denmark100
1Finland100
1Norway100
5New Zealand99.36
6Sweden99.34
7Netherlands98.96
8Switzerland98.87
9Belgium98.61
10Canada98.41
11United Kingdom98.08
12Estonia97.21
13Germany96.99
14Japan96.97
15Spain96.64
16Singapore96.27
17Austria96.27
18Slovenia95.74
19Luxembourg95.24
20Malta94.62
21France94.48
22South Korea94.35
23Hong Kong94.04
24Ireland92.25
25Iran89.9
26Mongolia89.11
27Cyprus88
28United States87.69
29Latvia86.51
30Israel85.07
31Italy82.63
32Serbia82.52
33Greece82.35
34Bahrain81.03
35Portugal80.18
36Croatia78.91
37Sri Lanka78.7
38United Arab Emirates77.69
39Czechia77.14
40Malaysia75.28
41China72.68
42Mauritius71.95
43Thailand71.36
44Poland71.32
45Slovakia69.87
46Jamaica69.23
47Lithuania69.12
48Hungary66.57
49Belarus66.56
50Saudi Arabia64.82
51Kuwait63.67
52Russia63.19
53Kenya63.17
54North Macedonia59.84
55Brazil57.23
56Costa Rica56.74
57South Africa56.35
58Puerto Rico56.04
59Chile53.8
60Türkiye51.13
61Bulgaria49.36
62Venezuela48.03
63Montenegro46.4
64Romania44.85
65Kazakhstan44.73
66Argentina44.63
67Ukraine43.74
68India43.61
69Dominican Republic41.29
70Bosnia and Herzegovina40.77
71Namibia40.7
72Belize37.38
73Algeria36.97
74Uzbekistan34.86
75Ghana33.52
76Uruguay33.21
77Botswana31.97
78Panama31.86
79Ecuador31.04
80Nigeria30.51
81Mexico29.36
82Guatemala29.08
83Uganda28.81
84Georgia28.38
85Lebanon28.35
86Somalia27.36
87Bolivia25.92
88Bhutan24.9
89Azerbaijan24.79
90Tanzania24.77
91Colombia24.39
92Côte d’Ivoire24.18
93Nepal24.13
94Albania23.89
95Bangladesh23.03
96Indonesia22.13
97El Salvador21.94
98Honduras20.86
99Zambia20.57
100Myanmar19.35
101Vietnam18.71
102Philippines18.04
103Gabon17.55
104Rwanda17.09
105Jordan16.34
106Cambodia16.31
107Zimbabwe16.3
108Peru15.72
109Palestine15.64
110Mali15.36
111Ethiopia15.01
112Tunisia14.81
113Haiti13.31
114Angola12.54
115Kyrgyzstan12.16
116Armenia11.09
117Moldova11.08
118Democratic Republic of the Congo10.78
119Benin10.01
120Pakistan9.75
121Malawi9.36
122Nicaragua8.84
123Iraq8.43
124Togo8.14
125Sudan7.53
126Chad7.13
127Republic of the Congo7.02
128Burkina Faso6.43
129Tajikistan5.79
130Egypt5.46
131Senegal4.39
132Cameroon2.3

Other periods

About this ranking

Percentage of respondents aged 15 and over in the poorest 40% of households within the economy who have a financial institution or mobile money account.

More on how it is measured
  • The denominator is this income group, not all adults.
  • 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. 25 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, poorest 40% (% of population ages 15+) (FX.OWN.TOTL.40.ZS). https://data.worldbank.org/indicator/FX.OWN.TOTL.40.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, poorest 40% (% of population ages 15+) (FX.OWN.TOTL.40.ZS) (Countries by account ownership, adults in the poorest 40% of households, 2014) [Data set]. Retrieved October 12, 2026, from https://data.worldbank.org/indicator/FX.OWN.TOTL.40.ZS

MLA 9

Global Findex: Account ownership at a financial institution or with a mobile-money-service provider, poorest 40% (% of population ages 15+) (FX.OWN.TOTL.40.ZS), Countries by account ownership, adults in the poorest 40% of households, 2014. World Bank, 8 Oct. 2026, https://data.worldbank.org/indicator/FX.OWN.TOTL.40.ZS. Invokely, https://invokely.ai/rankings/account-ownership-poorest-40/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, poorest 40% (% of population ages 15+) (FX.OWN.TOTL.40.ZS). Countries by account ownership, adults in the poorest 40% of households, 2014. Dataset. Accessed October 12, 2026. https://data.worldbank.org/indicator/FX.OWN.TOTL.40.ZS. Also distributed by Invokely, https://invokely.ai/rankings/account-ownership-poorest-40/countries?period=2014.

Harvard

World Bank (2026) Global Findex: Account ownership at a financial institution or with a mobile-money-service provider, poorest 40% (% of population ages 15+) (FX.OWN.TOTL.40.ZS), Countries by account ownership, adults in the poorest 40% of households, 2014 [Dataset]. Available at: https://data.worldbank.org/indicator/FX.OWN.TOTL.40.ZS, via Invokely: https://invokely.ai/rankings/account-ownership-poorest-40/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, poorest 40\% (\% of population ages 15+) (FX.OWN.TOTL.40.ZS): Countries by account ownership, adults in the poorest 40\% of households, 2014}},
  year = {2026},
  howpublished = {Data set},
  url = {https://data.worldbank.org/indicator/FX.OWN.TOTL.40.ZS},
  urldate = {2026-10-12},
  note = {Accessed via Invokely, https://invokely.ai/rankings/account-ownership-poorest-40/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, poorest 40\% (\% of population ages 15+) (FX.OWN.TOTL.40.ZS). https://data.worldbank.org/indicator/FX.OWN.TOTL.40.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, poorest 40% (% of population ages 15+) (FX.OWN.TOTL.40.ZS): Countries by account ownership, adults in the poorest 40% of households, 2014
PY  - 2026
DA  - 2026/10/08
PB  - World Bank
DB  - Invokely
UR  - https://data.worldbank.org/indicator/FX.OWN.TOTL.40.ZS
L2  - https://invokely.ai/rankings/account-ownership-poorest-40/countries?period=2014
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/account-ownership-poorest-40/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, poorest 40% (% of population ages 15+) (FX.OWN.TOTL.40.ZS). https://data.worldbank.org/indicator/FX.OWN.TOTL.40.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 in the poorest 40% of households?

Australia, with 100% in 2014, according to the World Bank.

Which country has the lowest account ownership, adults in the poorest 40% of households?

Cameroon, with 2.3% 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, poorest 40% (% of population ages 15+) (FX.OWN.TOTL.40.ZS). Retrieved 2026-10-12. 25 countries have no value for 2014 and are not ranked.

Account ownership, adults in the poorest 40% of households: other rankings

Countries: more rankings