Data / Rankings / Account ownership, primary education or less / Countries

Countries by account ownership, primary education or less, 2024

Austria had the highest account ownership, primary education or less of 138 countries in 2024, at 100%. Nicaragua had the lowest, at 13.27%. The median was 57.21%. Source: the World Bank.

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Highest100Austria
Lowest13.27Nicaragua
Median57.21138 countries

Map of countries, 2024

Albania: 26.2 %Armenia: 57.45 %Argentina: 62.93 %Austria: 100 %Australia: 83.78 %Azerbaijan: 39.99 %Bosnia and Herzegovina: 53.8 %Bangladesh: 31.17 %Belgium: 87.76 %Burkina Faso: 45.07 %Bulgaria: 58.09 %Benin: 47.43 %Bolivia: 35.78 %Brazil: 71.69 %Botswana: 52.01 %Belize: 55.35 %Canada: 100 %Democratic Republic of the Congo: 20.3 %Republic of the Congo: 41.55 %Switzerland: 100 %Côte d’Ivoire: 49.49 %Chile: 66.29 %Cameroon: 44.57 %China: 84.41 %Colombia: 36.22 %Costa Rica: 53.54 %Cyprus: 99.29 %Czechia: 74.75 %Germany: 100 %Denmark: 100 %Dominican Republic: 49.64 %Algeria: 25.02 %Ecuador: 50.09 %Estonia: 96.69 %Egypt: 38.47 %Spain: 97.63 %Ethiopia: 41.73 %Finland: 100 %France: 98.08 %Gabon: 58.11 %United Kingdom: 100 %Georgia: 52.03 %Ghana: 67.88 %Gambia: 26.43 %Guinea: 29.18 %Greece: 80.67 %Guatemala: 28.42 %Hong Kong: 93.43 %Honduras: 32.59 %Croatia: 71.46 %Hungary: 72.45 %Indonesia: 37.64 %Ireland: 92.92 %Israel: 70.55 %India: 87.08 %Iraq: 19.87 %Iran: 83.55 %Iceland: 100 %Italy: 74.59 %Jordan: 37.89 %Japan: 97.59 %Kenya: 81.66 %Kyrgyzstan: 50.48 %Cambodia: 33.58 %South Korea: 87.41 %Kuwait: 57.35 %Kazakhstan: 58.09 %Laos: 27.34 %Lebanon: 16.17 %Sri Lanka: 75.65 %Liberia: 42.07 %Lesotho: 56.35 %Lithuania: 100 %Latvia: 85.67 %Libya: 20.88 %Morocco: 38.92 %Moldova: 38.4 %Montenegro: 42 %Madagascar: 16.68 %North Macedonia: 65.61 %Mali: 48.73 %Mongolia: 95.19 %Mauritania: 21.32 %Mauritius: 84.1 %Malawi: 43.31 %Mexico: 35.24 %Malaysia: 74.44 %Mozambique: 45.67 %Namibia: 64.65 %Niger: 13.54 %Nigeria: 42.19 %Nicaragua: 13.27 %Netherlands: 95.89 %Norway: 97.39 %Nepal: 57.06 %New Zealand: 96.49 %Oman: 54.75 %Panama: 41.89 %Peru: 29.64 %Philippines: 33.62 %Pakistan: 18.91 %Poland: 51.07 %Palestine: 34.6 %Portugal: 80.93 %Paraguay: 48.15 %Romania: 41.03 %Serbia: 60.34 %Russia: 62.76 %Saudi Arabia: 66.64 %Sweden: 89.91 %Singapore: 87.63 %Slovenia: 98.63 %Slovakia: 50.41 %Sierra Leone: 26.66 %Senegal: 73.61 %El Salvador: 36.51 %Eswatini: 59.7 %Chad: 18.35 %Togo: 48.3 %Thailand: 91 %Tajikistan: 43.58 %Tunisia: 28.61 %Türkiye: 70.3 %Trinidad and Tobago: 62.14 %Tanzania: 54.15 %Ukraine: 84.01 %Uganda: 64.81 %United States: 92.73 %Uruguay: 60.46 %Uzbekistan: 39.26 %Venezuela: 79.15 %Vietnam: 33.48 %South Africa: 63.72 %Zambia: 61.99 %Zimbabwe: 33.82 %
  • Under 34
  • 34 to 43
  • 43 to 57
  • 57 to 72
  • 72 to 91
  • 91 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, primary education or less (% of population ages 15+) (FX.OWN.TOTL.PL.ZS). Boundaries: Natural Earth (public domain).

Top 40 countries, 2024

Austria: 100 %Austria100Canada: 100 %Canada100Denmark: 100 %Denmark100Finland: 100 %Finland100Germany: 100 %Germany100Iceland: 100 %Iceland100Lithuania: 100 %Lithuania100Switzerland: 100 %Switzerland100United Kingdom: 100 %United Kingdom100Cyprus: 99.29 %Cyprus99.29Slovenia: 98.63 %Slovenia98.63France: 98.08 %France98.08Spain: 97.63 %Spain97.63Japan: 97.59 %Japan97.59Norway: 97.39 %Norway97.39Estonia: 96.69 %Estonia96.69New Zealand: 96.49 %New Zealand96.49Netherlands: 95.89 %Netherlands95.89Mongolia: 95.19 %Mongolia95.19Hong Kong: 93.43 %Hong Kong93.43Ireland: 92.92 %Ireland92.92United States: 92.73 %United States92.73Thailand: 91 %Thailand91Sweden: 89.91 %Sweden89.91Malta: 88.24 %Malta88.24Belgium: 87.76 %Belgium87.76Singapore: 87.63 %Singapore87.63South Korea: 87.41 %South Korea87.41India: 87.08 %India87.08Latvia: 85.67 %Latvia85.67China: 84.41 %China84.41Mauritius: 84.1 %Mauritius84.1Ukraine: 84.01 %Ukraine84.01Australia: 83.78 %Australia83.78Iran: 83.55 %Iran83.55Kenya: 81.66 %Kenya81.66Portugal: 80.93 %Portugal80.93Greece: 80.67 %Greece80.67Venezuela: 79.15 %Venezuela79.15Sri Lanka: 75.65 %Sri Lanka75.65Austria: 100 %Austria100Canada: 100 %Canada100Denmark: 100 %Denmark100Finland: 100 %Finland100Germany: 100 %Germany100Iceland: 100 %Iceland100Lithuania: 100 %Lithuania100Switzerland: 100 %Switzerland100United Kingdom: 100 %United Kingdom100Cyprus: 99.29 %Cyprus99.29Slovenia: 98.63 %Slovenia98.63France: 98.08 %France98.08Spain: 97.63 %Spain97.63Japan: 97.59 %Japan97.59Norway: 97.39 %Norway97.39Estonia: 96.69 %Estonia96.69New Zealand: 96.49 %New Zealand96.49Netherlands: 95.89 %Netherlands95.89Mongolia: 95.19 %Mongolia95.19Hong Kong: 93.43 %Hong Kong93.43Ireland: 92.92 %Ireland92.92United States: 92.73 %United States92.73Thailand: 91 %Thailand91Sweden: 89.91 %Sweden89.91Malta: 88.24 %Malta88.24Belgium: 87.76 %Belgium87.76Singapore: 87.63 %Singapore87.63South Korea: 87.41 %South Korea87.41India: 87.08 %India87.08Latvia: 85.67 %Latvia85.67China: 84.41 %China84.41Mauritius: 84.1 %Mauritius84.1Ukraine: 84.01 %Ukraine84.01Australia: 83.78 %Australia83.78Iran: 83.55 %Iran83.55Kenya: 81.66 %Kenya81.66Portugal: 80.93 %Portugal80.93Greece: 80.67 %Greece80.67Venezuela: 79.15 %Venezuela79.15Sri Lanka: 75.65 %Sri Lanka75.65
%. Source: World Bank Global Findex, Global Findex: Account ownership at a financial institution or with a mobile-money-service provider, primary education or less (% of population ages 15+) (FX.OWN.TOTL.PL.ZS). Retrieved 2026-10-12.

Full ranking

RankCountries2024 (%)
1Austria100
1Canada100
1Denmark100
1Finland100
1Germany100
1Iceland100
1Lithuania100
1Switzerland100
1United Kingdom100
10Cyprus99.29
11Slovenia98.63
12France98.08
13Spain97.63
14Japan97.59
15Norway97.39
16Estonia96.69
17New Zealand96.49
18Netherlands95.89
19Mongolia95.19
20Hong Kong93.43
21Ireland92.92
22United States92.73
23Thailand91
24Sweden89.91
25Malta88.24
26Belgium87.76
27Singapore87.63
28South Korea87.41
29India87.08
30Latvia85.67
31China84.41
32Mauritius84.1
33Ukraine84.01
34Australia83.78
35Iran83.55
36Kenya81.66
37Portugal80.93
38Greece80.67
39Venezuela79.15
40Sri Lanka75.65
41Czechia74.75
42Italy74.59
43Malaysia74.44
44Senegal73.61
45Hungary72.45
46Brazil71.69
47Croatia71.46
48Israel70.55
49Türkiye70.3
50Bahrain68.09
51Ghana67.88
52Saudi Arabia66.64
53Chile66.29
54North Macedonia65.61
55Uganda64.81
56Namibia64.65
57South Africa63.72
58Argentina62.93
59Russia62.76
60Trinidad and Tobago62.14
61Zambia61.99
62Uruguay60.46
63Serbia60.34
64Eswatini59.7
65Gabon58.11
66Kazakhstan58.09
67Bulgaria58.09
68Armenia57.45
69Kuwait57.35
70Nepal57.06
71Lesotho56.35
72Belize55.35
73Oman54.75
74Tanzania54.15
75Bosnia and Herzegovina53.8
76Costa Rica53.54
77Georgia52.03
78Botswana52.01
79Poland51.07
80Kyrgyzstan50.48
81Slovakia50.41
82Ecuador50.09
83Dominican Republic49.64
84Côte d’Ivoire49.49
85Mali48.73
86Togo48.3
87Paraguay48.15
88Benin47.43
89Mozambique45.67
90Burkina Faso45.07
91Cameroon44.57
92Tajikistan43.58
93Malawi43.31
94Comoros42.82
95Nigeria42.19
96Liberia42.07
97Montenegro42
98Panama41.89
99Ethiopia41.73
100Republic of the Congo41.55
101Romania41.03
102Azerbaijan39.99
103Uzbekistan39.26
104Morocco38.92
105Egypt38.47
106Moldova38.4
107Jordan37.89
108Indonesia37.64
109El Salvador36.51
110Colombia36.22
111Bolivia35.78
112Mexico35.24
113Palestine34.6
114Zimbabwe33.82
115Philippines33.62
116Cambodia33.58
117Vietnam33.48
118Honduras32.59
119Bangladesh31.17
120Peru29.64
121Guinea29.18
122Tunisia28.61
123Guatemala28.42
124Laos27.34
125Sierra Leone26.66
126Gambia26.43
127Albania26.2
128Algeria25.02
129Mauritania21.32
130Libya20.88
131Democratic Republic of the Congo20.3
132Iraq19.87
133Pakistan18.91
134Chad18.35
135Madagascar16.68
136Lebanon16.17
137Niger13.54
138Nicaragua13.27

Other periods

About this ranking

Percentage of respondents aged 15 and over with primary education or less who have a financial institution or mobile money account. The denominator is this education group. 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. 20 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, primary education or less (% of population ages 15+) (FX.OWN.TOTL.PL.ZS). https://data.worldbank.org/indicator/FX.OWN.TOTL.PL.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, primary education or less (% of population ages 15+) (FX.OWN.TOTL.PL.ZS) (Countries by account ownership, primary education or less, 2024) [Data set]. Retrieved October 12, 2026, from https://data.worldbank.org/indicator/FX.OWN.TOTL.PL.ZS

MLA 9

Global Findex: Account ownership at a financial institution or with a mobile-money-service provider, primary education or less (% of population ages 15+) (FX.OWN.TOTL.PL.ZS), Countries by account ownership, primary education or less, 2024. World Bank, 8 Oct. 2026, https://data.worldbank.org/indicator/FX.OWN.TOTL.PL.ZS. Invokely, https://invokely.ai/rankings/account-ownership-primary-education/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, primary education or less (% of population ages 15+) (FX.OWN.TOTL.PL.ZS). Countries by account ownership, primary education or less, 2024. Dataset. Accessed October 12, 2026. https://data.worldbank.org/indicator/FX.OWN.TOTL.PL.ZS. Also distributed by Invokely, https://invokely.ai/rankings/account-ownership-primary-education/countries.

Harvard

World Bank (2026) Global Findex: Account ownership at a financial institution or with a mobile-money-service provider, primary education or less (% of population ages 15+) (FX.OWN.TOTL.PL.ZS), Countries by account ownership, primary education or less, 2024 [Dataset]. Available at: https://data.worldbank.org/indicator/FX.OWN.TOTL.PL.ZS, via Invokely: https://invokely.ai/rankings/account-ownership-primary-education/countries (Accessed: 12 October 2026).

BibTeX
@misc{world_countries_by_account_ownership_2024,
  author = {{World Bank}},
  title = {{Global Findex: Account ownership at a financial institution or with a mobile-money-service provider, primary education or less (\% of population ages 15+) (FX.OWN.TOTL.PL.ZS): Countries by account ownership, primary education or less, 2024}},
  year = {2026},
  howpublished = {Data set},
  url = {https://data.worldbank.org/indicator/FX.OWN.TOTL.PL.ZS},
  urldate = {2026-10-12},
  note = {Accessed via Invokely, https://invokely.ai/rankings/account-ownership-primary-education/countries. Publisher attribution: World Bank, Global Findex Database. Global Findex: Account ownership at a financial institution or with a mobile-money-service provider, primary education or less (\% of population ages 15+) (FX.OWN.TOTL.PL.ZS). https://data.worldbank.org/indicator/FX.OWN.TOTL.PL.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, primary education or less (% of population ages 15+) (FX.OWN.TOTL.PL.ZS): Countries by account ownership, primary education or less, 2024
PY  - 2026
DA  - 2026/10/08
PB  - World Bank
DB  - Invokely
UR  - https://data.worldbank.org/indicator/FX.OWN.TOTL.PL.ZS
L2  - https://invokely.ai/rankings/account-ownership-primary-education/countries
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/account-ownership-primary-education/countries.
N1  - Publisher attribution: World Bank, Global Findex Database. Global Findex: Account ownership at a financial institution or with a mobile-money-service provider, primary education or less (% of population ages 15+) (FX.OWN.TOTL.PL.ZS). https://data.worldbank.org/indicator/FX.OWN.TOTL.PL.ZS. Retrieved 2026-10-12. Licensed under CC BY 4.0.
ER  -
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Questions

Which country has the highest account ownership, primary education or less?

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

Which country has the lowest account ownership, primary education or less?

Nicaragua, with 13.27% 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, primary education or less (% of population ages 15+) (FX.OWN.TOTL.PL.ZS). Retrieved 2026-10-12. 20 countries have no value for 2024 and are not ranked.

Account ownership, primary education or less: other rankings

Countries: more rankings