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 142 countries in 2017, at 100%. Afghanistan had the lowest, at 8.89%. The median was 42.59%. Source: the World Bank.

Keep it in a collection in your library.
Highest100Australia
Lowest8.89Afghanistan
Median42.59142 countries

Map of countries, 2017

United Arab Emirates: 70.88 %Afghanistan: 8.89 %Albania: 27.5 %Armenia: 50.05 %Argentina: 43.05 %Austria: 95.96 %Australia: 100 %Azerbaijan: 20.48 %Bosnia and Herzegovina: 39.42 %Bangladesh: 39.84 %Belgium: 100 %Burkina Faso: 37.78 %Bulgaria: 42.14 %Benin: 31.44 %Bolivia: 43.05 %Brazil: 62.9 %Botswana: 39 %Belarus: 33.99 %Canada: 94.73 %Democratic Republic of the Congo: 17.78 %Central African Republic: 9.93 %Republic of the Congo: 16.46 %Switzerland: 96.72 %Côte d’Ivoire: 34.97 %Chile: 54.18 %Cameroon: 26.9 %China: 71.39 %Colombia: 32.78 %Costa Rica: 57.26 %Cyprus: 81.09 %Czechia: 36.83 %Germany: 100 %Denmark: 100 %Dominican Republic: 43.39 %Algeria: 38.95 %Ecuador: 40.65 %Estonia: 94.38 %Egypt: 31.69 %Spain: 89.02 %Ethiopia: 29.57 %Finland: 99.21 %France: 79.82 %Gabon: 45.53 %United Kingdom: 90.22 %Georgia: 34.11 %Ghana: 49.39 %Gambia: 22.02 %Guinea: 17.05 %Greece: 86.9 %Guatemala: 32.72 %Hong Kong: 87.06 %Honduras: 36.78 %Croatia: 62.02 %Haiti: 17.03 %Hungary: 55.83 %Indonesia: 33.6 %Ireland: 84.24 %Israel: 88.29 %India: 75.37 %Iraq: 19.11 %Iran: 90.36 %Italy: 92.01 %Jordan: 37.07 %Japan: 91.43 %Kenya: 67.41 %Kyrgyzstan: 24.44 %Cambodia: 18.88 %South Korea: 83.28 %Kuwait: 27.79 %Kazakhstan: 29.64 %Laos: 22.12 %Lebanon: 31.19 %Sri Lanka: 62.43 %Liberia: 25.5 %Lesotho: 37.06 %Lithuania: 61.33 %Luxembourg: 95.73 %Latvia: 79.39 %Libya: 40.69 %Moldova: 21.66 %Montenegro: 43.18 %Madagascar: 13.51 %North Macedonia: 59.26 %Mali: 28.39 %Myanmar: 23.61 %Mongolia: 85 %Mauritania: 14.44 %Mauritius: 88.35 %Malawi: 25.35 %Mexico: 24.48 %Malaysia: 69.99 %Mozambique: 34.61 %Namibia: 73.47 %Niger: 13.78 %Nigeria: 16.05 %Nicaragua: 21.51 %Netherlands: 100 %Norway: 98.69 %Nepal: 41.84 %New Zealand: 100 %Panama: 38.03 %Peru: 31.09 %Philippines: 18 %Pakistan: 15.92 %Poland: 65.5 %Palestine: 18.13 %Portugal: 87.57 %Paraguay: 44.36 %Romania: 31.86 %Serbia: 51.48 %Russia: 56.37 %Rwanda: 47 %Saudi Arabia: 65.02 %Sweden: 96.85 %Singapore: 93.19 %Slovenia: 94.42 %Slovakia: 49.18 %Sierra Leone: 12.73 %Senegal: 37.63 %El Salvador: 20.49 %Chad: 18.39 %Togo: 38.36 %Thailand: 77 %Tajikistan: 39.18 %Turkmenistan: 9.92 %Tunisia: 23.52 %Türkiye: 57.44 %Trinidad and Tobago: 79.13 %Tanzania: 41.02 %Ukraine: 30.6 %Uganda: 46.65 %United States: 64.57 %Uruguay: 51.47 %Uzbekistan: 20.95 %Venezuela: 57.94 %Vietnam: 13.05 %South Africa: 64 %Zambia: 30.9 %Zimbabwe: 37.92 %
  • Under 22
  • 22 to 33
  • 33 to 42
  • 42 to 62
  • 62 to 88
  • 88 and over
  • No data
%, 2017. 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, 2017

Australia: 100 %Australia100Belgium: 100 %Belgium100Denmark: 100 %Denmark100Germany: 100 %Germany100Netherlands: 100 %Netherlands100New Zealand: 100 %New Zealand100Finland: 99.21 %Finland99.21Norway: 98.69 %Norway98.69Malta: 97.73 %Malta97.73Sweden: 96.85 %Sweden96.85Switzerland: 96.72 %Switzerland96.72Austria: 95.96 %Austria95.96Luxembourg: 95.73 %Luxembourg95.73Canada: 94.73 %Canada94.73Slovenia: 94.42 %Slovenia94.42Estonia: 94.38 %Estonia94.38Singapore: 93.19 %Singapore93.19Italy: 92.01 %Italy92.01Japan: 91.43 %Japan91.43Iran: 90.36 %Iran90.36United Kingdom: 90.22 %United Kingdom90.22Spain: 89.02 %Spain89.02Mauritius: 88.35 %Mauritius88.35Israel: 88.29 %Israel88.29Portugal: 87.57 %Portugal87.57Hong Kong: 87.06 %Hong Kong87.06Greece: 86.9 %Greece86.9Mongolia: 85 %Mongolia85Ireland: 84.24 %Ireland84.24South Korea: 83.28 %South Korea83.28Cyprus: 81.09 %Cyprus81.09France: 79.82 %France79.82Latvia: 79.39 %Latvia79.39Trinidad and Tobago: 79.13 %Trinidad and Tobago79.13Thailand: 77 %Thailand77India: 75.37 %India75.37Namibia: 73.47 %Namibia73.47Maldives: 72.09 %Maldives72.09Bahrain: 71.41 %Bahrain71.41China: 71.39 %China71.39Australia: 100 %Australia100Belgium: 100 %Belgium100Denmark: 100 %Denmark100Germany: 100 %Germany100Netherlands: 100 %Netherlands100New Zealand: 100 %New Zealand100Finland: 99.21 %Finland99.21Norway: 98.69 %Norway98.69Malta: 97.73 %Malta97.73Sweden: 96.85 %Sweden96.85Switzerland: 96.72 %Switzerland96.72Austria: 95.96 %Austria95.96Luxembourg: 95.73 %Luxembourg95.73Canada: 94.73 %Canada94.73Slovenia: 94.42 %Slovenia94.42Estonia: 94.38 %Estonia94.38Singapore: 93.19 %Singapore93.19Italy: 92.01 %Italy92.01Japan: 91.43 %Japan91.43Iran: 90.36 %Iran90.36United Kingdom: 90.22 %United Kingdom90.22Spain: 89.02 %Spain89.02Mauritius: 88.35 %Mauritius88.35Israel: 88.29 %Israel88.29Portugal: 87.57 %Portugal87.57Hong Kong: 87.06 %Hong Kong87.06Greece: 86.9 %Greece86.9Mongolia: 85 %Mongolia85Ireland: 84.24 %Ireland84.24South Korea: 83.28 %South Korea83.28Cyprus: 81.09 %Cyprus81.09France: 79.82 %France79.82Latvia: 79.39 %Latvia79.39Trinidad and Tobago: 79.13 %Trinidad and Tobago79.13Thailand: 77 %Thailand77India: 75.37 %India75.37Namibia: 73.47 %Namibia73.47Maldives: 72.09 %Maldives72.09Bahrain: 71.41 %Bahrain71.41China: 71.39 %China71.39
%. 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

RankCountries2017 (%)
1Australia100
1Belgium100
1Denmark100
1Germany100
1Netherlands100
1New Zealand100
7Finland99.21
8Norway98.69
9Malta97.73
10Sweden96.85
11Switzerland96.72
12Austria95.96
13Luxembourg95.73
14Canada94.73
15Slovenia94.42
16Estonia94.38
17Singapore93.19
18Italy92.01
19Japan91.43
20Iran90.36
21United Kingdom90.22
22Spain89.02
23Mauritius88.35
24Israel88.29
25Portugal87.57
26Hong Kong87.06
27Greece86.9
28Mongolia85
29Ireland84.24
30South Korea83.28
31Cyprus81.09
32France79.82
33Latvia79.39
34Trinidad and Tobago79.13
35Thailand77
36India75.37
37Namibia73.47
38Maldives72.09
39Bahrain71.41
40China71.39
41United Arab Emirates70.88
42Malaysia69.99
43Kenya67.41
44Poland65.5
45Saudi Arabia65.02
46United States64.57
47South Africa64
48Brazil62.9
49Sri Lanka62.43
50Croatia62.02
51Lithuania61.33
52North Macedonia59.26
53Venezuela57.94
54Türkiye57.44
55Costa Rica57.26
56Russia56.37
57Hungary55.83
58Chile54.18
59Serbia51.48
60Uruguay51.47
61Armenia50.05
62Ghana49.39
63Slovakia49.18
64Rwanda47
65Uganda46.65
66Gabon45.53
67Paraguay44.36
68Dominican Republic43.39
69Montenegro43.18
70Argentina43.05
71Bolivia43.05
72Bulgaria42.14
73Nepal41.84
74Tanzania41.02
75Libya40.69
76Ecuador40.65
77Bangladesh39.84
78Bosnia and Herzegovina39.42
79Tajikistan39.18
80Botswana39
81Algeria38.95
82Togo38.36
83Panama38.03
84Zimbabwe37.92
85Burkina Faso37.78
86Senegal37.63
87Jordan37.07
88Lesotho37.06
89Czechia36.83
90Honduras36.78
91Côte d’Ivoire34.97
92Mozambique34.61
93Georgia34.11
94Belarus33.99
95Indonesia33.6
96Colombia32.78
97Guatemala32.72
98Romania31.86
99Egypt31.69
100Benin31.44
101Lebanon31.19
102Peru31.09
103Zambia30.9
104Ukraine30.6
105Kazakhstan29.64
106Ethiopia29.57
107Mali28.39
108Kuwait27.79
109Albania27.5
110Cameroon26.9
111Liberia25.5
112Malawi25.35
113Mexico24.48
114Kyrgyzstan24.44
115Myanmar23.61
116Tunisia23.52
117Laos22.12
118Gambia22.02
119Moldova21.66
120Nicaragua21.51
121Uzbekistan20.95
122El Salvador20.49
123Azerbaijan20.48
124Iraq19.11
125Cambodia18.88
126Chad18.39
127Palestine18.13
128Philippines18
129Democratic Republic of the Congo17.78
130Guinea17.05
131Haiti17.03
132Republic of the Congo16.46
133Nigeria16.05
134Pakistan15.92
135Mauritania14.44
136Niger13.78
137Madagascar13.51
138Vietnam13.05
139Sierra Leone12.73
140Central African Republic9.93
141Turkmenistan9.92
142Afghanistan8.89

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. 16 countries with data in other periods have no value for 2017 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, 2017) [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, 2017. 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=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, primary education or less (% of population ages 15+) (FX.OWN.TOTL.PL.ZS). Countries by account ownership, primary education or less, 2017. 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=2017.

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, 2017 [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=2017 (Accessed: 12 October 2026).

BibTeX
@misc{world_countries_by_account_ownership_2017,
  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, 2017}},
  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=2017. 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, 2017
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=2017
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/account-ownership-primary-education/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, 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  -
Embed this chart

Paste this code into a web page or a blog post. The chart shows the latest figures as they are published, with the source and a link back to this page.

Sites that read oEmbed links, such as WordPress, can show the chart when you paste the link to this page.

Use this data in your AI agent

Invokely serves this figure to AI assistants through MCP and to code through a REST API, with the source and citation attached. Ask your assistant:

Rank Countries by account ownership, primary education or less using official data, and cite the source.
rank_places {"indicator":"account_ownership_primary_education","level":"country","limit":10}
GET https://invokely.ai/api/v1/rank?indicator=account_ownership_primary_education&level=country&limit=10

Connect Claude, ChatGPT or Cursor in one step. The trial answers 25 calls a day without an account.

Questions

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

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

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

Afghanistan, with 8.89% 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, primary education or less (% of population ages 15+) (FX.OWN.TOTL.PL.ZS). Retrieved 2026-10-12. 16 countries have no value for 2017 and are not ranked.

Account ownership, primary education or less: other rankings

Countries: more rankings