Data / Rankings / Account ownership, adults in the richest 60% of households / Countries

Countries by account ownership, adults in the richest 60% of households

Denmark had the highest account ownership, adults in the richest 60% of households of 132 countries in 2014, at 100%. Iraq had the lowest, at 12.33%. The median was 61.6%. Source: the World Bank.

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Highest100Denmark
Lowest12.33Iraq
Median61.6132 countries

Map of countries, 2014

United Arab Emirates: 88.02 %Albania: 47.38 %Armenia: 22.04 %Angola: 40.46 %Argentina: 53.9 %Austria: 97.1 %Australia: 98.13 %Azerbaijan: 32.05 %Bosnia and Herzegovina: 60.61 %Bangladesh: 36.29 %Belgium: 97.79 %Burkina Faso: 19.63 %Bulgaria: 72.07 %Benin: 20.98 %Bolivia: 52.37 %Brazil: 75.37 %Bhutan: 39.49 %Botswana: 65.17 %Belarus: 75.6 %Belize: 55.42 %Canada: 99.54 %Democratic Republic of the Congo: 21.94 %Republic of the Congo: 23.71 %Switzerland: 97.37 %Côte d’Ivoire: 41.08 %Chile: 69.54 %Cameroon: 18.74 %China: 83.22 %Colombia: 48.73 %Costa Rica: 69.76 %Cyprus: 91.61 %Czechia: 85.52 %Germany: 99.88 %Denmark: 100 %Dominican Republic: 62.59 %Algeria: 59.46 %Ecuador: 56.32 %Estonia: 97.98 %Egypt: 19.89 %Spain: 98.2 %Ethiopia: 26.26 %Finland: 100 %France: 97.96 %Gabon: 43.32 %United Kingdom: 99.49 %Georgia: 47.17 %Ghana: 45.15 %Greece: 90.92 %Guatemala: 49.52 %Hong Kong: 97.69 %Honduras: 38.57 %Croatia: 90.76 %Haiti: 22.55 %Hungary: 76.04 %Indonesia: 45.27 %Ireland: 96.37 %Israel: 93.2 %India: 59.48 %Iraq: 12.33 %Iran: 93.88 %Italy: 90.64 %Jamaica: 84.6 %Jordan: 30.12 %Japan: 96.39 %Kenya: 82.28 %Kyrgyzstan: 22.68 %Cambodia: 26.05 %South Korea: 94.37 %Kuwait: 79.12 %Kazakhstan: 60.02 %Lebanon: 59.3 %Sri Lanka: 85.35 %Lithuania: 83.75 %Luxembourg: 96.87 %Latvia: 92.68 %Moldova: 22.21 %Montenegro: 68.75 %North Macedonia: 79.73 %Mali: 23.21 %Myanmar: 25.07 %Mongolia: 93.63 %Mauritius: 88.99 %Malawi: 23.9 %Mexico: 45.65 %Malaysia: 84.43 %Namibia: 70.87 %Nigeria: 53.71 %Nicaragua: 26.49 %Netherlands: 99.52 %Norway: 100 %Nepal: 40.21 %New Zealand: 99.64 %Panama: 51.51 %Peru: 37.78 %Philippines: 40.1 %Pakistan: 15.21 %Poland: 82.22 %Puerto Rico: 78.83 %Palestine: 29.97 %Portugal: 92.74 %Romania: 71.46 %Serbia: 83.48 %Russia: 70.17 %Rwanda: 58.78 %Saudi Arabia: 72.87 %Sudan: 20.42 %Sweden: 100 %Singapore: 96.4 %Slovenia: 98.38 %Slovakia: 82.14 %Senegal: 22.72 %Somalia: 46.18 %El Salvador: 46.57 %Chad: 15.96 %Togo: 24.97 %Thailand: 82.64 %Tajikistan: 15.23 %Tunisia: 35.81 %Türkiye: 59.42 %Tanzania: 49.78 %Ukraine: 58.68 %Uganda: 54.85 %United States: 97.37 %Uruguay: 53.82 %Uzbekistan: 44.59 %Venezuela: 63 %Vietnam: 39.06 %South Africa: 79.61 %Zambia: 45.69 %Zimbabwe: 43.08 %
  • Under 26
  • 26 to 46
  • 46 to 60
  • 60 to 82
  • 82 to 96
  • 96 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, richest 60% (% of population ages 15+) (FX.OWN.TOTL.60.ZS). Boundaries: Natural Earth (public domain).

Top 40 countries, 2014

Denmark: 100 %Denmark100Finland: 100 %Finland100Norway: 100 %Norway100Sweden: 100 %Sweden100Germany: 99.88 %Germany99.88New Zealand: 99.64 %New Zealand99.64Canada: 99.54 %Canada99.54Netherlands: 99.52 %Netherlands99.52United Kingdom: 99.49 %United Kingdom99.49Slovenia: 98.38 %Slovenia98.38Spain: 98.2 %Spain98.2Australia: 98.13 %Australia98.13Estonia: 97.98 %Estonia97.98France: 97.96 %France97.96Belgium: 97.79 %Belgium97.79Hong Kong: 97.69 %Hong Kong97.69Malta: 97.54 %Malta97.54Switzerland: 97.37 %Switzerland97.37United States: 97.37 %United States97.37Austria: 97.1 %Austria97.1Luxembourg: 96.87 %Luxembourg96.87Singapore: 96.4 %Singapore96.4Japan: 96.39 %Japan96.39Ireland: 96.37 %Ireland96.37South Korea: 94.37 %South Korea94.37Iran: 93.88 %Iran93.88Mongolia: 93.63 %Mongolia93.63Israel: 93.2 %Israel93.2Portugal: 92.74 %Portugal92.74Latvia: 92.68 %Latvia92.68Cyprus: 91.61 %Cyprus91.61Greece: 90.92 %Greece90.92Croatia: 90.76 %Croatia90.76Italy: 90.64 %Italy90.64Mauritius: 88.99 %Mauritius88.99United Arab Emirates: 88.02 %United Arab Emirates88.02Czechia: 85.52 %Czechia85.52Sri Lanka: 85.35 %Sri Lanka85.35Jamaica: 84.6 %Jamaica84.6Malaysia: 84.43 %Malaysia84.43Denmark: 100 %Denmark100Finland: 100 %Finland100Norway: 100 %Norway100Sweden: 100 %Sweden100Germany: 99.88 %Germany99.88New Zealand: 99.64 %New Zealand99.64Canada: 99.54 %Canada99.54Netherlands: 99.52 %Netherlands99.52United Kingdom: 99.49 %United Kingdom99.49Slovenia: 98.38 %Slovenia98.38Spain: 98.2 %Spain98.2Australia: 98.13 %Australia98.13Estonia: 97.98 %Estonia97.98France: 97.96 %France97.96Belgium: 97.79 %Belgium97.79Hong Kong: 97.69 %Hong Kong97.69Malta: 97.54 %Malta97.54Switzerland: 97.37 %Switzerland97.37United States: 97.37 %United States97.37Austria: 97.1 %Austria97.1Luxembourg: 96.87 %Luxembourg96.87Singapore: 96.4 %Singapore96.4Japan: 96.39 %Japan96.39Ireland: 96.37 %Ireland96.37South Korea: 94.37 %South Korea94.37Iran: 93.88 %Iran93.88Mongolia: 93.63 %Mongolia93.63Israel: 93.2 %Israel93.2Portugal: 92.74 %Portugal92.74Latvia: 92.68 %Latvia92.68Cyprus: 91.61 %Cyprus91.61Greece: 90.92 %Greece90.92Croatia: 90.76 %Croatia90.76Italy: 90.64 %Italy90.64Mauritius: 88.99 %Mauritius88.99United Arab Emirates: 88.02 %United Arab Emirates88.02Czechia: 85.52 %Czechia85.52Sri Lanka: 85.35 %Sri Lanka85.35Jamaica: 84.6 %Jamaica84.6Malaysia: 84.43 %Malaysia84.43
%. Source: World Bank Global Findex, Global Findex: Account ownership at a financial institution or with a mobile-money-service provider, richest 60% (% of population ages 15+) (FX.OWN.TOTL.60.ZS). Retrieved 2026-10-12.

Full ranking

RankCountries2014 (%)
1Denmark100
1Finland100
1Norway100
1Sweden100
5Germany99.88
6New Zealand99.64
7Canada99.54
8Netherlands99.52
9United Kingdom99.49
10Slovenia98.38
11Spain98.2
12Australia98.13
13Estonia97.98
14France97.96
15Belgium97.79
16Hong Kong97.69
17Malta97.54
18Switzerland97.37
19United States97.37
20Austria97.1
21Luxembourg96.87
22Singapore96.4
23Japan96.39
24Ireland96.37
25South Korea94.37
26Iran93.88
27Mongolia93.63
28Israel93.2
29Portugal92.74
30Latvia92.68
31Cyprus91.61
32Greece90.92
33Croatia90.76
34Italy90.64
35Mauritius88.99
36United Arab Emirates88.02
37Czechia85.52
38Sri Lanka85.35
39Jamaica84.6
40Malaysia84.43
41Lithuania83.75
42Serbia83.48
43China83.22
44Thailand82.64
45Bahrain82.56
46Kenya82.28
47Poland82.22
48Slovakia82.14
49North Macedonia79.73
50South Africa79.61
51Kuwait79.12
52Puerto Rico78.83
53Hungary76.04
54Belarus75.6
55Brazil75.37
56Saudi Arabia72.87
57Bulgaria72.07
58Romania71.46
59Namibia70.87
60Russia70.17
61Costa Rica69.76
62Chile69.54
63Montenegro68.75
64Botswana65.17
65Venezuela63
66Dominican Republic62.59
67Bosnia and Herzegovina60.61
68Kazakhstan60.02
69India59.48
70Algeria59.46
71Türkiye59.42
72Lebanon59.3
73Rwanda58.78
74Ukraine58.68
75Ecuador56.32
76Belize55.42
77Uganda54.85
78Argentina53.9
79Uruguay53.82
80Nigeria53.71
81Bolivia52.37
82Panama51.51
83Tanzania49.78
84Guatemala49.52
85Colombia48.73
86Albania47.38
87Georgia47.17
88El Salvador46.57
89Somalia46.18
90Zambia45.69
91Mexico45.65
92Indonesia45.27
93Ghana45.15
94Uzbekistan44.59
95Gabon43.32
96Zimbabwe43.08
97Côte d’Ivoire41.08
98Angola40.46
99Nepal40.21
100Philippines40.1
101Bhutan39.49
102Vietnam39.06
103Honduras38.57
104Peru37.78
105Bangladesh36.29
106Tunisia35.81
107Azerbaijan32.05
108Jordan30.12
109Palestine29.97
110Nicaragua26.49
111Ethiopia26.26
112Cambodia26.05
113Myanmar25.07
114Togo24.97
115Malawi23.9
116Republic of the Congo23.71
117Mali23.21
118Senegal22.72
119Kyrgyzstan22.68
120Haiti22.55
121Moldova22.21
122Armenia22.04
123Democratic Republic of the Congo21.94
124Benin20.98
125Sudan20.42
126Egypt19.89
127Burkina Faso19.63
128Cameroon18.74
129Chad15.96
130Tajikistan15.23
131Pakistan15.21
132Iraq12.33

Other periods

About this ranking

Percentage of respondents aged 15 and over in the richest 60% 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 countries are compared on one definition. 25 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, richest 60% (% of population ages 15+) (FX.OWN.TOTL.60.ZS). https://data.worldbank.org/indicator/FX.OWN.TOTL.60.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, richest 60% (% of population ages 15+) (FX.OWN.TOTL.60.ZS) (Countries by account ownership, adults in the richest 60% of households, 2014) [Data set]. Retrieved October 12, 2026, from https://data.worldbank.org/indicator/FX.OWN.TOTL.60.ZS

MLA 9

Global Findex: Account ownership at a financial institution or with a mobile-money-service provider, richest 60% (% of population ages 15+) (FX.OWN.TOTL.60.ZS), Countries by account ownership, adults in the richest 60% of households, 2014. World Bank, 8 Oct. 2026, https://data.worldbank.org/indicator/FX.OWN.TOTL.60.ZS. Invokely, https://invokely.ai/rankings/account-ownership-richest-60/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, richest 60% (% of population ages 15+) (FX.OWN.TOTL.60.ZS). Countries by account ownership, adults in the richest 60% of households, 2014. Dataset. Accessed October 12, 2026. https://data.worldbank.org/indicator/FX.OWN.TOTL.60.ZS. Also distributed by Invokely, https://invokely.ai/rankings/account-ownership-richest-60/countries?period=2014.

Harvard

World Bank (2026) Global Findex: Account ownership at a financial institution or with a mobile-money-service provider, richest 60% (% of population ages 15+) (FX.OWN.TOTL.60.ZS), Countries by account ownership, adults in the richest 60% of households, 2014 [Dataset]. Available at: https://data.worldbank.org/indicator/FX.OWN.TOTL.60.ZS, via Invokely: https://invokely.ai/rankings/account-ownership-richest-60/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, richest 60\% (\% of population ages 15+) (FX.OWN.TOTL.60.ZS): Countries by account ownership, adults in the richest 60\% of households, 2014}},
  year = {2026},
  howpublished = {Data set},
  url = {https://data.worldbank.org/indicator/FX.OWN.TOTL.60.ZS},
  urldate = {2026-10-12},
  note = {Accessed via Invokely, https://invokely.ai/rankings/account-ownership-richest-60/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, richest 60\% (\% of population ages 15+) (FX.OWN.TOTL.60.ZS). https://data.worldbank.org/indicator/FX.OWN.TOTL.60.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, richest 60% (% of population ages 15+) (FX.OWN.TOTL.60.ZS): Countries by account ownership, adults in the richest 60% of households, 2014
PY  - 2026
DA  - 2026/10/08
PB  - World Bank
DB  - Invokely
UR  - https://data.worldbank.org/indicator/FX.OWN.TOTL.60.ZS
L2  - https://invokely.ai/rankings/account-ownership-richest-60/countries?period=2014
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/account-ownership-richest-60/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, richest 60% (% of population ages 15+) (FX.OWN.TOTL.60.ZS). https://data.worldbank.org/indicator/FX.OWN.TOTL.60.ZS. Retrieved 2026-10-12. Licensed under CC BY 4.0.
ER  -
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Questions

Which country has the highest account ownership, adults in the richest 60% of households?

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

Which country has the lowest account ownership, adults in the richest 60% of households?

Iraq, with 12.33% 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, richest 60% (% of population ages 15+) (FX.OWN.TOTL.60.ZS). Retrieved 2026-10-12. 25 countries have no value for 2014 and are not ranked.

Account ownership, adults in the richest 60% of households: other rankings

Countries: more rankings