Data / Rankings / Account ownership, secondary education or more / Countries

Countries by account ownership, secondary education or more

Finland had the highest account ownership, secondary education or more of 142 countries in 2017, at 100%. Palestine had the lowest, at 27.93%. The median was 69.49%. Source: the World Bank.

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Highest100Finland
Lowest27.93Palestine
Median69.49142 countries

Map of countries, 2017

United Arab Emirates: 88.88 %Afghanistan: 30.56 %Albania: 55.83 %Armenia: 47.44 %Argentina: 52.28 %Austria: 98.55 %Australia: 99.67 %Azerbaijan: 29.9 %Bosnia and Herzegovina: 69.26 %Bangladesh: 57.23 %Belgium: 98.84 %Burkina Faso: 63.39 %Bulgaria: 84.53 %Benin: 55.67 %Bolivia: 60.69 %Brazil: 74.39 %Botswana: 59.88 %Belarus: 89.44 %Canada: 99.87 %Democratic Republic of the Congo: 29.91 %Central African Republic: 28.65 %Republic of the Congo: 33.51 %Switzerland: 99.32 %Côte d’Ivoire: 60.32 %Chile: 80.92 %Cameroon: 46.47 %China: 94.14 %Colombia: 53.34 %Costa Rica: 73.26 %Cyprus: 91.32 %Czechia: 91.22 %Germany: 99.3 %Denmark: 99.91 %Dominican Republic: 72.53 %Algeria: 48.96 %Ecuador: 55.01 %Estonia: 99.05 %Egypt: 33.4 %Spain: 95.84 %Ethiopia: 65.04 %Finland: 100 %France: 97.23 %Gabon: 72.4 %United Kingdom: 97.77 %Georgia: 64.83 %Ghana: 67.55 %Gambia: 42.32 %Guinea: 47.17 %Greece: 84.98 %Guatemala: 55.8 %Hong Kong: 96.66 %Honduras: 56.33 %Croatia: 95.92 %Haiti: 42.17 %Hungary: 82.77 %Indonesia: 62.72 %Ireland: 96.2 %Israel: 93.01 %India: 84.94 %Iraq: 27.95 %Iran: 94.72 %Italy: 96.31 %Jordan: 44.59 %Japan: 99.49 %Kenya: 91.55 %Kyrgyzstan: 43.54 %Cambodia: 52.7 %South Korea: 96.8 %Kuwait: 81.61 %Kazakhstan: 64.47 %Laos: 41.85 %Lebanon: 51.09 %Sri Lanka: 85.35 %Liberia: 58.66 %Lesotho: 63.37 %Lithuania: 87.25 %Luxembourg: 99.37 %Latvia: 97.21 %Libya: 69.34 %Moldova: 48.07 %Montenegro: 77.78 %Madagascar: 39.48 %North Macedonia: 88.34 %Mali: 59.47 %Myanmar: 30.49 %Mongolia: 96.04 %Mauritania: 32.17 %Mauritius: 90.75 %Malawi: 55.27 %Mexico: 42.48 %Malaysia: 87.54 %Mozambique: 75.31 %Namibia: 85.12 %Niger: 46.58 %Nigeria: 59.3 %Nicaragua: 35.68 %Netherlands: 99.61 %Norway: 100 %Nepal: 58.6 %New Zealand: 99.05 %Panama: 49.32 %Peru: 44.89 %Philippines: 41.35 %Pakistan: 34.03 %Poland: 89.99 %Palestine: 27.93 %Portugal: 95.5 %Paraguay: 51.14 %Romania: 69.52 %Serbia: 80.55 %Russia: 79.58 %Rwanda: 69.84 %Saudi Arabia: 72.65 %Sweden: 100 %Singapore: 99.06 %Slovenia: 98.54 %Slovakia: 91.99 %Sierra Leone: 43.71 %Senegal: 54.15 %El Salvador: 39.85 %Chad: 45.84 %Togo: 56.1 %Thailand: 86.63 %Tajikistan: 49.65 %Turkmenistan: 41.91 %Tunisia: 47.7 %Türkiye: 74.02 %Trinidad and Tobago: 81.26 %Tanzania: 66.94 %Ukraine: 67.86 %Uganda: 76.88 %United States: 94.38 %Uruguay: 69.45 %Uzbekistan: 43.19 %Venezuela: 78.27 %Vietnam: 42.43 %South Africa: 71.16 %Zambia: 60.14 %Zimbabwe: 65.23 %
  • Under 44
  • 44 to 56
  • 56 to 69
  • 69 to 85
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  • 96 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, secondary education or more (% of population ages 15+) (FX.OWN.TOTL.SO.ZS). Boundaries: Natural Earth (public domain).

Top 40 countries, 2017

Finland: 100 %Finland100Norway: 100 %Norway100Sweden: 100 %Sweden100Denmark: 99.91 %Denmark99.91Canada: 99.87 %Canada99.87Australia: 99.67 %Australia99.67Netherlands: 99.61 %Netherlands99.61Japan: 99.49 %Japan99.49Luxembourg: 99.37 %Luxembourg99.37Switzerland: 99.32 %Switzerland99.32Germany: 99.3 %Germany99.3Singapore: 99.06 %Singapore99.06New Zealand: 99.05 %New Zealand99.05Estonia: 99.05 %Estonia99.05Belgium: 98.84 %Belgium98.84Austria: 98.55 %Austria98.55Slovenia: 98.54 %Slovenia98.54United Kingdom: 97.77 %United Kingdom97.77Malta: 97.32 %Malta97.32France: 97.23 %France97.23Latvia: 97.21 %Latvia97.21South Korea: 96.8 %South Korea96.8Hong Kong: 96.66 %Hong Kong96.66Italy: 96.31 %Italy96.31Ireland: 96.2 %Ireland96.2Mongolia: 96.04 %Mongolia96.04Croatia: 95.92 %Croatia95.92Spain: 95.84 %Spain95.84Portugal: 95.5 %Portugal95.5Iran: 94.72 %Iran94.72United States: 94.38 %United States94.38China: 94.14 %China94.14Israel: 93.01 %Israel93.01Slovakia: 91.99 %Slovakia91.99Kenya: 91.55 %Kenya91.55Cyprus: 91.32 %Cyprus91.32Czechia: 91.22 %Czechia91.22Mauritius: 90.75 %Mauritius90.75Poland: 89.99 %Poland89.99Belarus: 89.44 %Belarus89.44Finland: 100 %Finland100Norway: 100 %Norway100Sweden: 100 %Sweden100Denmark: 99.91 %Denmark99.91Canada: 99.87 %Canada99.87Australia: 99.67 %Australia99.67Netherlands: 99.61 %Netherlands99.61Japan: 99.49 %Japan99.49Luxembourg: 99.37 %Luxembourg99.37Switzerland: 99.32 %Switzerland99.32Germany: 99.3 %Germany99.3Singapore: 99.06 %Singapore99.06New Zealand: 99.05 %New Zealand99.05Estonia: 99.05 %Estonia99.05Belgium: 98.84 %Belgium98.84Austria: 98.55 %Austria98.55Slovenia: 98.54 %Slovenia98.54United Kingdom: 97.77 %United Kingdom97.77Malta: 97.32 %Malta97.32France: 97.23 %France97.23Latvia: 97.21 %Latvia97.21South Korea: 96.8 %South Korea96.8Hong Kong: 96.66 %Hong Kong96.66Italy: 96.31 %Italy96.31Ireland: 96.2 %Ireland96.2Mongolia: 96.04 %Mongolia96.04Croatia: 95.92 %Croatia95.92Spain: 95.84 %Spain95.84Portugal: 95.5 %Portugal95.5Iran: 94.72 %Iran94.72United States: 94.38 %United States94.38China: 94.14 %China94.14Israel: 93.01 %Israel93.01Slovakia: 91.99 %Slovakia91.99Kenya: 91.55 %Kenya91.55Cyprus: 91.32 %Cyprus91.32Czechia: 91.22 %Czechia91.22Mauritius: 90.75 %Mauritius90.75Poland: 89.99 %Poland89.99Belarus: 89.44 %Belarus89.44
%. Source: World Bank Global Findex, Global Findex: Account ownership at a financial institution or with a mobile-money-service provider, secondary education or more (% of population ages 15+) (FX.OWN.TOTL.SO.ZS). Retrieved 2026-10-12.

Full ranking

RankCountries2017 (%)
1Finland100
1Norway100
1Sweden100
4Denmark99.91
5Canada99.87
6Australia99.67
7Netherlands99.61
8Japan99.49
9Luxembourg99.37
10Switzerland99.32
11Germany99.3
12Singapore99.06
13New Zealand99.05
14Estonia99.05
15Belgium98.84
16Austria98.55
17Slovenia98.54
18United Kingdom97.77
19Malta97.32
20France97.23
21Latvia97.21
22South Korea96.8
23Hong Kong96.66
24Italy96.31
25Ireland96.2
26Mongolia96.04
27Croatia95.92
28Spain95.84
29Portugal95.5
30Iran94.72
31United States94.38
32China94.14
33Israel93.01
34Slovakia91.99
35Kenya91.55
36Cyprus91.32
37Czechia91.22
38Mauritius90.75
39Poland89.99
40Belarus89.44
41United Arab Emirates88.88
42North Macedonia88.34
43Malaysia87.54
44Lithuania87.25
45Thailand86.63
46Sri Lanka85.35
47Namibia85.12
48Greece84.98
49India84.94
50Bulgaria84.53
51Bahrain83.51
52Maldives83.16
53Hungary82.77
54Kuwait81.61
55Trinidad and Tobago81.26
56Chile80.92
57Serbia80.55
58Russia79.58
59Venezuela78.27
60Montenegro77.78
61Uganda76.88
62Mozambique75.31
63Brazil74.39
64Türkiye74.02
65Costa Rica73.26
66Saudi Arabia72.65
67Dominican Republic72.53
68Gabon72.4
69South Africa71.16
70Rwanda69.84
71Romania69.52
72Uruguay69.45
73Libya69.34
74Bosnia and Herzegovina69.26
75Ukraine67.86
76Ghana67.55
77Tanzania66.94
78Zimbabwe65.23
79Ethiopia65.04
80Georgia64.83
81Kazakhstan64.47
82Burkina Faso63.39
83Lesotho63.37
84Indonesia62.72
85Bolivia60.69
86Côte d’Ivoire60.32
87Zambia60.14
88Botswana59.88
89Mali59.47
90Nigeria59.3
91Liberia58.66
92Nepal58.6
93Bangladesh57.23
94Honduras56.33
95Togo56.1
96Albania55.83
97Guatemala55.8
98Benin55.67
99Malawi55.27
100Ecuador55.01
101Senegal54.15
102Colombia53.34
103Cambodia52.7
104Argentina52.28
105Paraguay51.14
106Lebanon51.09
107Tajikistan49.65
108Panama49.32
109Algeria48.96
110Moldova48.07
111Tunisia47.7
112Armenia47.44
113Guinea47.17
114Niger46.58
115Cameroon46.47
116Chad45.84
117Peru44.89
118Jordan44.59
119Sierra Leone43.71
120Kyrgyzstan43.54
121Uzbekistan43.19
122Mexico42.48
123Vietnam42.43
124Gambia42.32
125Haiti42.17
126Turkmenistan41.91
127Laos41.85
128Philippines41.35
129El Salvador39.85
130Madagascar39.48
131Nicaragua35.68
132Pakistan34.03
133Republic of the Congo33.51
134Egypt33.4
135Mauritania32.17
136Afghanistan30.56
137Myanmar30.49
138Democratic Republic of the Congo29.91
139Azerbaijan29.9
140Central African Republic28.65
141Iraq27.95
142Palestine27.93

Other periods

About this ranking

Percentage of respondents aged 15 and over with secondary education or more 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, secondary education or more (% of population ages 15+) (FX.OWN.TOTL.SO.ZS). https://data.worldbank.org/indicator/FX.OWN.TOTL.SO.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, secondary education or more (% of population ages 15+) (FX.OWN.TOTL.SO.ZS) (Countries by account ownership, secondary education or more, 2017) [Data set]. Retrieved October 12, 2026, from https://data.worldbank.org/indicator/FX.OWN.TOTL.SO.ZS

MLA 9

Global Findex: Account ownership at a financial institution or with a mobile-money-service provider, secondary education or more (% of population ages 15+) (FX.OWN.TOTL.SO.ZS), Countries by account ownership, secondary education or more, 2017. World Bank, 8 Oct. 2026, https://data.worldbank.org/indicator/FX.OWN.TOTL.SO.ZS. Invokely, https://invokely.ai/rankings/account-ownership-secondary-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, secondary education or more (% of population ages 15+) (FX.OWN.TOTL.SO.ZS). Countries by account ownership, secondary education or more, 2017. Dataset. Accessed October 12, 2026. https://data.worldbank.org/indicator/FX.OWN.TOTL.SO.ZS. Also distributed by Invokely, https://invokely.ai/rankings/account-ownership-secondary-education/countries?period=2017.

Harvard

World Bank (2026) Global Findex: Account ownership at a financial institution or with a mobile-money-service provider, secondary education or more (% of population ages 15+) (FX.OWN.TOTL.SO.ZS), Countries by account ownership, secondary education or more, 2017 [Dataset]. Available at: https://data.worldbank.org/indicator/FX.OWN.TOTL.SO.ZS, via Invokely: https://invokely.ai/rankings/account-ownership-secondary-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, secondary education or more (\% of population ages 15+) (FX.OWN.TOTL.SO.ZS): Countries by account ownership, secondary education or more, 2017}},
  year = {2026},
  howpublished = {Data set},
  url = {https://data.worldbank.org/indicator/FX.OWN.TOTL.SO.ZS},
  urldate = {2026-10-12},
  note = {Accessed via Invokely, https://invokely.ai/rankings/account-ownership-secondary-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, secondary education or more (\% of population ages 15+) (FX.OWN.TOTL.SO.ZS). https://data.worldbank.org/indicator/FX.OWN.TOTL.SO.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, secondary education or more (% of population ages 15+) (FX.OWN.TOTL.SO.ZS): Countries by account ownership, secondary education or more, 2017
PY  - 2026
DA  - 2026/10/08
PB  - World Bank
DB  - Invokely
UR  - https://data.worldbank.org/indicator/FX.OWN.TOTL.SO.ZS
L2  - https://invokely.ai/rankings/account-ownership-secondary-education/countries?period=2017
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/account-ownership-secondary-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, secondary education or more (% of population ages 15+) (FX.OWN.TOTL.SO.ZS). https://data.worldbank.org/indicator/FX.OWN.TOTL.SO.ZS. Retrieved 2026-10-12. Licensed under CC BY 4.0.
ER  -
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Questions

Which country has the highest account ownership, secondary education or more?

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

Which country has the lowest account ownership, secondary education or more?

Palestine, with 27.93% 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, secondary education or more (% of population ages 15+) (FX.OWN.TOTL.SO.ZS). Retrieved 2026-10-12. 16 countries have no value for 2017 and are not ranked.

Account ownership, secondary education or more: other rankings

Countries: more rankings