# EU countries by account ownership, adults in the poorest 40% of households, 2024

All 26 values come from World Bank for 2024, so the places are comparable. 1 EU countries have no value for that period and are not ranked.

- Indicator id: `account_ownership_poorest_40`
- Unit: %
- Definition: 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. 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.
- Source: 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) (https://data.worldbank.org/indicator/FX.OWN.TOTL.40.ZS)
- Publisher page: https://invokely.ai/en/publishers/world-bank
- Retrieved: 2026-10-12
- Citation: 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.
- Web page: https://invokely.ai/rankings/account-ownership-poorest-40/eu-countries

| Rank | Place | % |
|---:|---|---:|
| 1 | Finland | 100 |
| 2 | Austria | 99.19 |
| 3 | Ireland | 99.02 |
| 4 | Spain | 98.76 |
| 5 | Belgium | 98.72 |
| 6 | France | 98.71 |
| 7 | Germany | 98.55 |
| 8 | Netherlands | 98.26 |
| 9 | Slovenia | 98.08 |
| 10 | Estonia | 98.05 |
| 11 | Lithuania | 97.78 |
| 12 | Denmark | 97.75 |
| 13 | Sweden | 96.62 |
| 14 | Cyprus | 94.18 |
| 15 | Malta | 93.43 |
| 16 | Latvia | 91.64 |
| 17 | Portugal | 87.7 |
| 18 | Croatia | 87.63 |
| 19 | Slovakia | 87.01 |
| 20 | Czechia | 85.6 |
| 21 | Italy | 82.12 |
| 22 | Poland | 80.08 |
| 23 | Greece | 79.6 |
| 24 | Hungary | 78.86 |
| 25 | Bulgaria | 77.66 |
| 26 | Romania | 55.42 |