Data / Rankings / Account ownership, young adults aged 15 to 24 / EU countries

EU countries by account ownership, young adults aged 15 to 24, 2024

Austria had the highest account ownership, young adults aged 15 to 24 of 26 EU countries in 2024, at 100%. Croatia had the lowest, at 55.24%. The median was 96.27%. Source: the World Bank.

Keep it in a collection in your library.
Highest100Austria
Lowest55.24Croatia
Median96.2726 EU countries

Map of EU countries, 2024

Austria: 100 %Belgium: 98 %Bulgaria: 79.17 %Cyprus: 95.32 %Czechia: 91.35 %Germany: 90.88 %Denmark: 97.94 %Estonia: 98.23 %Spain: 100 %Finland: 98.64 %France: 100 %Greece: 69.92 %Croatia: 55.24 %Hungary: 96.43 %Ireland: 98.52 %Italy: 57.35 %Lithuania: 100 %Latvia: 89.66 %Malta: 96.11 %Netherlands: 100 %Poland: 73.63 %Portugal: 93.01 %Romania: 85.63 %Sweden: 100 %Slovenia: 98.63 %Slovakia: 81.1 %
  • Under 81
  • 81 to 93
  • 93 to 98
  • 98 to 100
  • 100 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, young adults (% of population ages 15-24) (FX.OWN.TOTL.YG.ZS). Boundaries: Natural Earth (public domain).

All EU countries, 2024

Austria: 100 %Austria100France: 100 %France100Lithuania: 100 %Lithuania100Netherlands: 100 %Netherlands100Spain: 100 %Spain100Sweden: 100 %Sweden100Finland: 98.64 %Finland98.64Slovenia: 98.63 %Slovenia98.63Ireland: 98.52 %Ireland98.52Estonia: 98.23 %Estonia98.23Belgium: 98 %Belgium98Denmark: 97.94 %Denmark97.94Hungary: 96.43 %Hungary96.43Malta: 96.11 %Malta96.11Cyprus: 95.32 %Cyprus95.32Portugal: 93.01 %Portugal93.01Czechia: 91.35 %Czechia91.35Germany: 90.88 %Germany90.88Latvia: 89.66 %Latvia89.66Romania: 85.63 %Romania85.63Slovakia: 81.1 %Slovakia81.1Bulgaria: 79.17 %Bulgaria79.17Poland: 73.63 %Poland73.63Greece: 69.92 %Greece69.92Italy: 57.35 %Italy57.35Croatia: 55.24 %Croatia55.24Austria: 100 %Austria100France: 100 %France100Lithuania: 100 %Lithuania100Netherlands: 100 %Netherlands100Spain: 100 %Spain100Sweden: 100 %Sweden100Finland: 98.64 %Finland98.64Slovenia: 98.63 %Slovenia98.63Ireland: 98.52 %Ireland98.52Estonia: 98.23 %Estonia98.23Belgium: 98 %Belgium98Denmark: 97.94 %Denmark97.94Hungary: 96.43 %Hungary96.43Malta: 96.11 %Malta96.11Cyprus: 95.32 %Cyprus95.32Portugal: 93.01 %Portugal93.01Czechia: 91.35 %Czechia91.35Germany: 90.88 %Germany90.88Latvia: 89.66 %Latvia89.66Romania: 85.63 %Romania85.63Slovakia: 81.1 %Slovakia81.1Bulgaria: 79.17 %Bulgaria79.17Poland: 73.63 %Poland73.63Greece: 69.92 %Greece69.92Italy: 57.35 %Italy57.35Croatia: 55.24 %Croatia55.24
%. Source: World Bank Global Findex, Global Findex: Account ownership at a financial institution or with a mobile-money-service provider, young adults (% of population ages 15-24) (FX.OWN.TOTL.YG.ZS). Retrieved 2026-10-12.

Full ranking

RankEU countries2024 (%)
1Austria100
1France100
1Lithuania100
1Netherlands100
1Spain100
1Sweden100
7Finland98.64
8Slovenia98.63
9Ireland98.52
10Estonia98.23
11Belgium98
12Denmark97.94
13Hungary96.43
14Malta96.11
15Cyprus95.32
16Portugal93.01
17Czechia91.35
18Germany90.88
19Latvia89.66
20Romania85.63
21Slovakia81.1
22Bulgaria79.17
23Poland73.63
24Greece69.92
25Italy57.35
26Croatia55.24

Other periods

About this ranking

Percentage of respondents aged 15 to 24 who have a financial institution or mobile money account. The denominator is this age 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, young adults (% of population ages 15-24) (FX.OWN.TOTL.YG.ZS). https://data.worldbank.org/indicator/FX.OWN.TOTL.YG.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, young adults (% of population ages 15-24) (FX.OWN.TOTL.YG.ZS) (EU countries by account ownership, young adults aged 15 to 24, 2024) [Data set]. Retrieved October 12, 2026, from https://data.worldbank.org/indicator/FX.OWN.TOTL.YG.ZS

MLA 9

Global Findex: Account ownership at a financial institution or with a mobile-money-service provider, young adults (% of population ages 15-24) (FX.OWN.TOTL.YG.ZS), EU countries by account ownership, young adults aged 15 to 24, 2024. World Bank, 8 Oct. 2026, https://data.worldbank.org/indicator/FX.OWN.TOTL.YG.ZS. Invokely, https://invokely.ai/rankings/account-ownership-young-adults/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, young adults (% of population ages 15-24) (FX.OWN.TOTL.YG.ZS). EU countries by account ownership, young adults aged 15 to 24, 2024. Dataset. Accessed October 12, 2026. https://data.worldbank.org/indicator/FX.OWN.TOTL.YG.ZS. Also distributed by Invokely, https://invokely.ai/rankings/account-ownership-young-adults/eu-countries.

Harvard

World Bank (2026) Global Findex: Account ownership at a financial institution or with a mobile-money-service provider, young adults (% of population ages 15-24) (FX.OWN.TOTL.YG.ZS), EU countries by account ownership, young adults aged 15 to 24, 2024 [Dataset]. Available at: https://data.worldbank.org/indicator/FX.OWN.TOTL.YG.ZS, via Invokely: https://invokely.ai/rankings/account-ownership-young-adults/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, young adults (\% of population ages 15-24) (FX.OWN.TOTL.YG.ZS): EU countries by account ownership, young adults aged 15 to 24, 2024}},
  year = {2026},
  howpublished = {Data set},
  url = {https://data.worldbank.org/indicator/FX.OWN.TOTL.YG.ZS},
  urldate = {2026-10-12},
  note = {Accessed via Invokely, https://invokely.ai/rankings/account-ownership-young-adults/eu-countries. Publisher attribution: World Bank, Global Findex Database. Global Findex: Account ownership at a financial institution or with a mobile-money-service provider, young adults (\% of population ages 15-24) (FX.OWN.TOTL.YG.ZS). https://data.worldbank.org/indicator/FX.OWN.TOTL.YG.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, young adults (% of population ages 15-24) (FX.OWN.TOTL.YG.ZS): EU countries by account ownership, young adults aged 15 to 24, 2024
PY  - 2026
DA  - 2026/10/08
PB  - World Bank
DB  - Invokely
UR  - https://data.worldbank.org/indicator/FX.OWN.TOTL.YG.ZS
L2  - https://invokely.ai/rankings/account-ownership-young-adults/eu-countries
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/account-ownership-young-adults/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, young adults (% of population ages 15-24) (FX.OWN.TOTL.YG.ZS). https://data.worldbank.org/indicator/FX.OWN.TOTL.YG.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 EU countries by account ownership, young adults aged 15 to 24 using official data, and cite the source.
rank_places {"indicator":"account_ownership_young_adults","level":"country","within":"European Union (27)","limit":10}
GET https://invokely.ai/api/v1/rank?indicator=account_ownership_young_adults&level=country&within=European%20Union%20(27)&limit=10

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

Questions

Which EU country has the highest account ownership, young adults aged 15 to 24?

Austria, with 100% in 2024, according to the World Bank.

Which EU country has the lowest account ownership, young adults aged 15 to 24?

Croatia, with 55.24% 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, young adults (% of population ages 15-24) (FX.OWN.TOTL.YG.ZS). Retrieved 2026-10-12. 1 EU countries have no value for 2024 and are not ranked.

Account ownership, young adults aged 15 to 24: other rankings

EU countries: more rankings