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

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

Denmark had the highest account ownership, adults in the poorest 40% of households of 27 EU countries in 2017, at 100%. Romania had the lowest, at 37.83%. The median was 92.94%. Source: the World Bank.

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Highest100Denmark
Lowest37.83Romania
Median92.9427 EU countries

Map of EU countries, 2017

Austria: 97.91 %Belgium: 98.86 %Bulgaria: 54.55 %Cyprus: 83.81 %Czechia: 70.64 %Germany: 98.12 %Denmark: 100 %Estonia: 96.21 %Spain: 93.09 %Finland: 99.46 %France: 93.47 %Greece: 81.52 %Croatia: 81 %Hungary: 67.67 %Ireland: 92.94 %Italy: 90.63 %Lithuania: 77.93 %Luxembourg: 98.32 %Latvia: 88.52 %Malta: 94.66 %Netherlands: 99.79 %Poland: 84.22 %Portugal: 87.46 %Romania: 37.83 %Sweden: 99.67 %Slovenia: 95.46 %Slovakia: 77.94 %
  • Under 79
  • 79 to 88
  • 88 to 94
  • 94 to 98
  • 98 and over
%, 2017. 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).

All EU countries, 2017

Denmark: 100 %Denmark100Netherlands: 99.79 %Netherlands99.79Sweden: 99.67 %Sweden99.67Finland: 99.46 %Finland99.46Belgium: 98.86 %Belgium98.86Luxembourg: 98.32 %Luxembourg98.32Germany: 98.12 %Germany98.12Austria: 97.91 %Austria97.91Estonia: 96.21 %Estonia96.21Slovenia: 95.46 %Slovenia95.46Malta: 94.66 %Malta94.66France: 93.47 %France93.47Spain: 93.09 %Spain93.09Ireland: 92.94 %Ireland92.94Italy: 90.63 %Italy90.63Latvia: 88.52 %Latvia88.52Portugal: 87.46 %Portugal87.46Poland: 84.22 %Poland84.22Cyprus: 83.81 %Cyprus83.81Greece: 81.52 %Greece81.52Croatia: 81 %Croatia81Slovakia: 77.94 %Slovakia77.94Lithuania: 77.93 %Lithuania77.93Czechia: 70.64 %Czechia70.64Hungary: 67.67 %Hungary67.67Bulgaria: 54.55 %Bulgaria54.55Romania: 37.83 %Romania37.83Denmark: 100 %Denmark100Netherlands: 99.79 %Netherlands99.79Sweden: 99.67 %Sweden99.67Finland: 99.46 %Finland99.46Belgium: 98.86 %Belgium98.86Luxembourg: 98.32 %Luxembourg98.32Germany: 98.12 %Germany98.12Austria: 97.91 %Austria97.91Estonia: 96.21 %Estonia96.21Slovenia: 95.46 %Slovenia95.46Malta: 94.66 %Malta94.66France: 93.47 %France93.47Spain: 93.09 %Spain93.09Ireland: 92.94 %Ireland92.94Italy: 90.63 %Italy90.63Latvia: 88.52 %Latvia88.52Portugal: 87.46 %Portugal87.46Poland: 84.22 %Poland84.22Cyprus: 83.81 %Cyprus83.81Greece: 81.52 %Greece81.52Croatia: 81 %Croatia81Slovakia: 77.94 %Slovakia77.94Lithuania: 77.93 %Lithuania77.93Czechia: 70.64 %Czechia70.64Hungary: 67.67 %Hungary67.67Bulgaria: 54.55 %Bulgaria54.55Romania: 37.83 %Romania37.83
%. 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

RankEU countries2017 (%)
1Denmark100
2Netherlands99.79
3Sweden99.67
4Finland99.46
5Belgium98.86
6Luxembourg98.32
7Germany98.12
8Austria97.91
9Estonia96.21
10Slovenia95.46
11Malta94.66
12France93.47
13Spain93.09
14Ireland92.94
15Italy90.63
16Latvia88.52
17Portugal87.46
18Poland84.22
19Cyprus83.81
20Greece81.52
21Croatia81
22Slovakia77.94
23Lithuania77.93
24Czechia70.64
25Hungary67.67
26Bulgaria54.55
27Romania37.83

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 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, 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) (EU countries by account ownership, adults in the poorest 40% of households, 2017) [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), EU countries by account ownership, adults in the poorest 40% of households, 2017. World Bank, 8 Oct. 2026, https://data.worldbank.org/indicator/FX.OWN.TOTL.40.ZS. Invokely, https://invokely.ai/rankings/account-ownership-poorest-40/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, poorest 40% (% of population ages 15+) (FX.OWN.TOTL.40.ZS). EU countries by account ownership, adults in the poorest 40% of households, 2017. 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/eu-countries?period=2017.

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), EU countries by account ownership, adults in the poorest 40% of households, 2017 [Dataset]. Available at: https://data.worldbank.org/indicator/FX.OWN.TOTL.40.ZS, via Invokely: https://invokely.ai/rankings/account-ownership-poorest-40/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, poorest 40\% (\% of population ages 15+) (FX.OWN.TOTL.40.ZS): EU countries by account ownership, adults in the poorest 40\% of households, 2017}},
  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/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, 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): EU countries by account ownership, adults in the poorest 40% of households, 2017
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/eu-countries?period=2017
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/account-ownership-poorest-40/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, 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 EU country has the highest account ownership, adults in the poorest 40% of households?

Denmark, with 100% in 2017, according to the World Bank.

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

Romania, with 37.83% 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, poorest 40% (% of population ages 15+) (FX.OWN.TOTL.40.ZS). Retrieved 2026-10-12.

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

EU countries: more rankings