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

Countries by account ownership, primary education or less

Australia had the highest account ownership, primary education or less of 134 countries in 2014, at 100%. Moldova had the lowest, at 2.18%. The median was 35.85%. Source: the World Bank.

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Highest100Australia
Lowest2.18Moldova
Median35.85134 countries

Map of countries, 2014

United Arab Emirates: 64.42 %Albania: 24.01 %Armenia: 6.13 %Angola: 14.35 %Argentina: 52.27 %Austria: 96.36 %Australia: 100 %Azerbaijan: 17.3 %Bosnia and Herzegovina: 38.18 %Bangladesh: 24.9 %Belgium: 100 %Burkina Faso: 10.56 %Bulgaria: 32.14 %Benin: 12.37 %Bolivia: 19.96 %Brazil: 59.95 %Bhutan: 29.21 %Botswana: 31.5 %Belarus: 32.58 %Belize: 41.33 %Canada: 100 %Democratic Republic of the Congo: 7.67 %Republic of the Congo: 10.73 %Switzerland: 95.65 %Côte d’Ivoire: 30.05 %Chile: 36.68 %Cameroon: 5.65 %China: 72.9 %Colombia: 19.62 %Costa Rica: 49.4 %Cyprus: 86.42 %Czechia: 50 %Germany: 97.64 %Denmark: 100 %Dominican Republic: 41.27 %Algeria: 48.35 %Ecuador: 29.88 %Estonia: 91.6 %Egypt: 8.4 %Spain: 93.17 %Ethiopia: 19.37 %Finland: 100 %France: 83.36 %Gabon: 22.39 %United Kingdom: 100 %Georgia: 35.01 %Ghana: 24.87 %Greece: 89.64 %Guatemala: 26.19 %Hong Kong: 92.71 %Honduras: 21.41 %Croatia: 65.19 %Haiti: 11.11 %Hungary: 44.97 %Indonesia: 15.78 %Ireland: 70.97 %Israel: 83.69 %India: 43.35 %Iraq: 9.36 %Iran: 90.88 %Italy: 79.48 %Jamaica: 70.49 %Jordan: 18.23 %Japan: 83.66 %Kenya: 64.17 %Kyrgyzstan: 5.4 %Cambodia: 20.02 %South Korea: 90.73 %Kuwait: 47.7 %Kazakhstan: 28.01 %Lebanon: 32.69 %Sri Lanka: 74 %Lithuania: 40.07 %Luxembourg: 98.87 %Latvia: 74.26 %Moldova: 2.18 %Montenegro: 34.73 %North Macedonia: 48.03 %Mali: 16.61 %Myanmar: 20.74 %Mongolia: 77.73 %Mauritania: 18 %Mauritius: 76.26 %Malawi: 12.47 %Mexico: 30.03 %Malaysia: 58.6 %Namibia: 42.97 %Nigeria: 28.08 %Nicaragua: 7.99 %Netherlands: 100 %Norway: 100 %Nepal: 29.62 %New Zealand: 97.18 %Panama: 23.22 %Peru: 12.04 %Philippines: 18.07 %Pakistan: 10.03 %Poland: 50.67 %Puerto Rico: 48.95 %Palestine: 25.09 %Portugal: 80.32 %Romania: 34.55 %Serbia: 75.53 %Russia: 35 %Rwanda: 39.62 %Saudi Arabia: 64.16 %Sudan: 7.05 %Sweden: 100 %Singapore: 94.58 %Slovenia: 90.55 %Slovakia: 24.04 %Sierra Leone: 16.25 %Senegal: 11.22 %Somalia: 33.11 %El Salvador: 24.91 %Chad: 10.43 %Togo: 12.85 %Thailand: 73.2 %Tajikistan: 7.97 %Tunisia: 22.52 %Türkiye: 47.51 %Tanzania: 32.63 %Ukraine: 20.98 %Uganda: 36.79 %United States: 59.86 %Uruguay: 32.86 %Uzbekistan: 24.31 %Venezuela: 37.93 %Vietnam: 15.34 %South Africa: 60.66 %Zambia: 22.44 %Zimbabwe: 20.87 %
  • Under 16
  • 16 to 25
  • 25 to 35
  • 35 to 59
  • 59 to 87
  • 87 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, primary education or less (% of population ages 15+) (FX.OWN.TOTL.PL.ZS). Boundaries: Natural Earth (public domain).

Top 40 countries, 2014

Australia: 100 %Australia100Belgium: 100 %Belgium100Canada: 100 %Canada100Denmark: 100 %Denmark100Finland: 100 %Finland100Netherlands: 100 %Netherlands100Norway: 100 %Norway100Sweden: 100 %Sweden100United Kingdom: 100 %United Kingdom100Luxembourg: 98.87 %Luxembourg98.87Germany: 97.64 %Germany97.64New Zealand: 97.18 %New Zealand97.18Austria: 96.36 %Austria96.36Switzerland: 95.65 %Switzerland95.65Singapore: 94.58 %Singapore94.58Spain: 93.17 %Spain93.17Hong Kong: 92.71 %Hong Kong92.71Estonia: 91.6 %Estonia91.6Malta: 90.93 %Malta90.93Iran: 90.88 %Iran90.88South Korea: 90.73 %South Korea90.73Slovenia: 90.55 %Slovenia90.55Greece: 89.64 %Greece89.64Cyprus: 86.42 %Cyprus86.42Israel: 83.69 %Israel83.69Japan: 83.66 %Japan83.66France: 83.36 %France83.36Portugal: 80.32 %Portugal80.32Bahrain: 79.78 %Bahrain79.78Italy: 79.48 %Italy79.48Mongolia: 77.73 %Mongolia77.73Mauritius: 76.26 %Mauritius76.26Serbia: 75.53 %Serbia75.53Latvia: 74.26 %Latvia74.26Sri Lanka: 74 %Sri Lanka74Thailand: 73.2 %Thailand73.2China: 72.9 %China72.9Ireland: 70.97 %Ireland70.97Jamaica: 70.49 %Jamaica70.49Croatia: 65.19 %Croatia65.19Australia: 100 %Australia100Belgium: 100 %Belgium100Canada: 100 %Canada100Denmark: 100 %Denmark100Finland: 100 %Finland100Netherlands: 100 %Netherlands100Norway: 100 %Norway100Sweden: 100 %Sweden100United Kingdom: 100 %United Kingdom100Luxembourg: 98.87 %Luxembourg98.87Germany: 97.64 %Germany97.64New Zealand: 97.18 %New Zealand97.18Austria: 96.36 %Austria96.36Switzerland: 95.65 %Switzerland95.65Singapore: 94.58 %Singapore94.58Spain: 93.17 %Spain93.17Hong Kong: 92.71 %Hong Kong92.71Estonia: 91.6 %Estonia91.6Malta: 90.93 %Malta90.93Iran: 90.88 %Iran90.88South Korea: 90.73 %South Korea90.73Slovenia: 90.55 %Slovenia90.55Greece: 89.64 %Greece89.64Cyprus: 86.42 %Cyprus86.42Israel: 83.69 %Israel83.69Japan: 83.66 %Japan83.66France: 83.36 %France83.36Portugal: 80.32 %Portugal80.32Bahrain: 79.78 %Bahrain79.78Italy: 79.48 %Italy79.48Mongolia: 77.73 %Mongolia77.73Mauritius: 76.26 %Mauritius76.26Serbia: 75.53 %Serbia75.53Latvia: 74.26 %Latvia74.26Sri Lanka: 74 %Sri Lanka74Thailand: 73.2 %Thailand73.2China: 72.9 %China72.9Ireland: 70.97 %Ireland70.97Jamaica: 70.49 %Jamaica70.49Croatia: 65.19 %Croatia65.19
%. 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

RankCountries2014 (%)
1Australia100
1Belgium100
1Canada100
1Denmark100
1Finland100
1Netherlands100
1Norway100
1Sweden100
1United Kingdom100
10Luxembourg98.87
11Germany97.64
12New Zealand97.18
13Austria96.36
14Switzerland95.65
15Singapore94.58
16Spain93.17
17Hong Kong92.71
18Estonia91.6
19Malta90.93
20Iran90.88
21South Korea90.73
22Slovenia90.55
23Greece89.64
24Cyprus86.42
25Israel83.69
26Japan83.66
27France83.36
28Portugal80.32
29Bahrain79.78
30Italy79.48
31Mongolia77.73
32Mauritius76.26
33Serbia75.53
34Latvia74.26
35Sri Lanka74
36Thailand73.2
37China72.9
38Ireland70.97
39Jamaica70.49
40Croatia65.19
41United Arab Emirates64.42
42Kenya64.17
43Saudi Arabia64.16
44South Africa60.66
45Brazil59.95
46United States59.86
47Malaysia58.6
48Argentina52.27
49Poland50.67
50Czechia50
51Costa Rica49.4
52Puerto Rico48.95
53Algeria48.35
54North Macedonia48.03
55Kuwait47.7
56Türkiye47.51
57Hungary44.97
58India43.35
59Namibia42.97
60Belize41.33
61Dominican Republic41.27
62Lithuania40.07
63Rwanda39.62
64Bosnia and Herzegovina38.18
65Venezuela37.93
66Uganda36.79
67Chile36.68
68Georgia35.01
69Russia35
70Montenegro34.73
71Romania34.55
72Somalia33.11
73Uruguay32.86
74Lebanon32.69
75Tanzania32.63
76Belarus32.58
77Bulgaria32.14
78Botswana31.5
79Côte d’Ivoire30.05
80Mexico30.03
81Ecuador29.88
82Nepal29.62
83Bhutan29.21
84Nigeria28.08
85Kazakhstan28.01
86Guatemala26.19
87Palestine25.09
88El Salvador24.91
89Bangladesh24.9
90Ghana24.87
91Uzbekistan24.31
92Slovakia24.04
93Albania24.01
94Panama23.22
95Tunisia22.52
96Zambia22.44
97Gabon22.39
98Honduras21.41
99Ukraine20.98
100Zimbabwe20.87
101Myanmar20.74
102Cambodia20.02
103Bolivia19.96
104Colombia19.62
105Ethiopia19.37
106Jordan18.23
107Philippines18.07
108Mauritania18
109Azerbaijan17.3
110Mali16.61
111Sierra Leone16.25
112Indonesia15.78
113Vietnam15.34
114Angola14.35
115Togo12.85
116Malawi12.47
117Benin12.37
118Peru12.04
119Senegal11.22
120Haiti11.11
121Republic of the Congo10.73
122Burkina Faso10.56
123Chad10.43
124Pakistan10.03
125Iraq9.36
126Egypt8.4
127Nicaragua7.99
128Tajikistan7.97
129Democratic Republic of the Congo7.67
130Sudan7.05
131Armenia6.13
132Cameroon5.65
133Kyrgyzstan5.4
134Moldova2.18

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. 24 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, 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, 2014) [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, 2014. 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?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, primary education or less (% of population ages 15+) (FX.OWN.TOTL.PL.ZS). Countries by account ownership, primary education or less, 2014. 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?period=2014.

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, 2014 [Dataset]. Available at: https://data.worldbank.org/indicator/FX.OWN.TOTL.PL.ZS, via Invokely: https://invokely.ai/rankings/account-ownership-primary-education/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, primary education or less (\% of population ages 15+) (FX.OWN.TOTL.PL.ZS): Countries by account ownership, primary education or less, 2014}},
  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?period=2014. 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, 2014
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?period=2014
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/account-ownership-primary-education/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, 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?

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

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

Moldova, with 2.18% 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, primary education or less (% of population ages 15+) (FX.OWN.TOTL.PL.ZS). Retrieved 2026-10-12. 24 countries have no value for 2014 and are not ranked.

Account ownership, primary education or less: other rankings

Countries: more rankings