Data / Rankings / Account ownership, secondary education or more / EU countries

EU countries by account ownership, secondary education or more, 2024

Finland had the highest account ownership, secondary education or more of 26 EU countries in 2024, at 99.79%. Romania had the lowest, at 80.27%. The median was 98.25%. Source: the World Bank.

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Highest99.79Finland
Lowest80.27Romania
Median98.2526 EU countries

Map of EU countries, 2024

Austria: 99.47 %Belgium: 98.74 %Bulgaria: 91.7 %Cyprus: 95.9 %Czechia: 94.84 %Germany: 98.19 %Denmark: 98.6 %Estonia: 99.39 %Spain: 98.87 %Finland: 99.79 %France: 99.36 %Greece: 89.55 %Croatia: 98.31 %Hungary: 89.91 %Ireland: 98.55 %Italy: 94.48 %Lithuania: 98.89 %Latvia: 97.47 %Malta: 97.24 %Netherlands: 99.48 %Poland: 92.21 %Portugal: 95.4 %Romania: 80.27 %Sweden: 98.77 %Slovenia: 98.8 %Slovakia: 95.29 %
  • Under 94
  • 94 to 97
  • 97 to 99
  • 99 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, secondary education or more (% of population ages 15+) (FX.OWN.TOTL.SO.ZS). Boundaries: Natural Earth (public domain).

All EU countries, 2024

Finland: 99.79 %Finland99.79Netherlands: 99.48 %Netherlands99.48Austria: 99.47 %Austria99.47Estonia: 99.39 %Estonia99.39France: 99.36 %France99.36Lithuania: 98.89 %Lithuania98.89Spain: 98.87 %Spain98.87Slovenia: 98.8 %Slovenia98.8Sweden: 98.77 %Sweden98.77Belgium: 98.74 %Belgium98.74Denmark: 98.6 %Denmark98.6Ireland: 98.55 %Ireland98.55Croatia: 98.31 %Croatia98.31Germany: 98.19 %Germany98.19Latvia: 97.47 %Latvia97.47Malta: 97.24 %Malta97.24Cyprus: 95.9 %Cyprus95.9Portugal: 95.4 %Portugal95.4Slovakia: 95.29 %Slovakia95.29Czechia: 94.84 %Czechia94.84Italy: 94.48 %Italy94.48Poland: 92.21 %Poland92.21Bulgaria: 91.7 %Bulgaria91.7Hungary: 89.91 %Hungary89.91Greece: 89.55 %Greece89.55Romania: 80.27 %Romania80.27Finland: 99.79 %Finland99.79Netherlands: 99.48 %Netherlands99.48Austria: 99.47 %Austria99.47Estonia: 99.39 %Estonia99.39France: 99.36 %France99.36Lithuania: 98.89 %Lithuania98.89Spain: 98.87 %Spain98.87Slovenia: 98.8 %Slovenia98.8Sweden: 98.77 %Sweden98.77Belgium: 98.74 %Belgium98.74Denmark: 98.6 %Denmark98.6Ireland: 98.55 %Ireland98.55Croatia: 98.31 %Croatia98.31Germany: 98.19 %Germany98.19Latvia: 97.47 %Latvia97.47Malta: 97.24 %Malta97.24Cyprus: 95.9 %Cyprus95.9Portugal: 95.4 %Portugal95.4Slovakia: 95.29 %Slovakia95.29Czechia: 94.84 %Czechia94.84Italy: 94.48 %Italy94.48Poland: 92.21 %Poland92.21Bulgaria: 91.7 %Bulgaria91.7Hungary: 89.91 %Hungary89.91Greece: 89.55 %Greece89.55Romania: 80.27 %Romania80.27
%. 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

RankEU countries2024 (%)
1Finland99.79
2Netherlands99.48
3Austria99.47
4Estonia99.39
5France99.36
6Lithuania98.89
7Spain98.87
8Slovenia98.8
9Sweden98.77
10Belgium98.74
11Denmark98.6
12Ireland98.55
13Croatia98.31
14Germany98.19
15Latvia97.47
16Malta97.24
17Cyprus95.9
18Portugal95.4
19Slovakia95.29
20Czechia94.84
21Italy94.48
22Poland92.21
23Bulgaria91.7
24Hungary89.91
25Greece89.55
26Romania80.27

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 EU countries are compared on one definition. 1 EU 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, 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) (EU countries by account ownership, secondary education or more, 2024) [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), EU countries by account ownership, secondary education or more, 2024. World Bank, 8 Oct. 2026, https://data.worldbank.org/indicator/FX.OWN.TOTL.SO.ZS. Invokely, https://invokely.ai/rankings/account-ownership-secondary-education/eu-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, secondary education or more (% of population ages 15+) (FX.OWN.TOTL.SO.ZS). EU countries by account ownership, secondary education or more, 2024. 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/eu-countries.

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), EU countries by account ownership, secondary education or more, 2024 [Dataset]. Available at: https://data.worldbank.org/indicator/FX.OWN.TOTL.SO.ZS, via Invokely: https://invokely.ai/rankings/account-ownership-secondary-education/eu-countries (Accessed: 12 October 2026).

BibTeX
@misc{world_eu_countries_by_account_2024,
  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): EU countries by account ownership, secondary education or more, 2024}},
  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/eu-countries. 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): EU countries by account ownership, secondary education or more, 2024
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/eu-countries
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/account-ownership-secondary-education/eu-countries.
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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Rank EU countries by account ownership, secondary education or more using official data, and cite the source.
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Questions

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

Finland, with 99.79% in 2024, according to the World Bank.

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

Romania, with 80.27% 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, secondary education or more (% of population ages 15+) (FX.OWN.TOTL.SO.ZS). Retrieved 2026-10-12. 1 EU countries have no value for 2024 and are not ranked.

Account ownership, secondary education or more: other rankings

EU countries: more rankings