EU countries by borrowed money from any source, adults, 2021

Germany had the highest borrowed money from any source, adults of 26 EU countries in 2021, at 66.36%. Lithuania had the lowest, at 25.38%. The median was 48%. Source: the World Bank.

Highest66.36Germany

Lowest25.38Lithuania

Median4826 EU countries

Map of EU countries, 2021

Under 42
42 to 47
47 to 53
53 to 59
59 and over
No data

%, 2021. Hatched areas have no value for this period. Source: World Bank Global Findex, Global Findex: Borrowed any money (% age 15+) (borrow.any.t.d). Boundaries: Natural Earth (public domain).

All EU countries, 2021

%. Source: World Bank Global Findex, Global Findex: Borrowed any money (% age 15+) (borrow.any.t.d). Retrieved 2026-10-12.

Full ranking

Rank	EU countries	2021 (%)
1	Germany	66.36
2	Austria	64.01
3	Denmark	62.55
4	Ireland	61.71
5	Finland	60.46
6	Italy	58.9
7	Spain	57.91
8	Sweden	56.91
9	Belgium	56.28
10	Slovenia	53.92
11	France	52.58
12	Cyprus	48.95
13	Malta	48.24
14	Bulgaria	47.77
15	Greece	47.73
16	Estonia	46.83
17	Croatia	46.51
18	Poland	46.04
19	Slovakia	45.35
20	Netherlands	43.92
21	Czechia	41.61
22	Romania	41.36
23	Latvia	38.92
24	Portugal	37.39
25	Hungary	29.6
26	Lithuania	25.38

Other periods

2021
2017
2014

About this ranking

Percentage of respondents aged 15 and over who borrowed money, alone or jointly, for any reason and from any source 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 2021 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: Borrowed any money  (% age 15+) (borrow.any.t.d). https://api.worldbank.org/v2/country/all/indicator/borrow.any.t.d?format=json&per_page=20000&date=2011:2024&source=28. 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. (2025). Global Findex: Borrowed any money (% age 15+) (borrow.any.t.d) (EU countries by borrowed money from any source, adults, 2021) [Data set]. Retrieved October 12, 2026, from https://api.worldbank.org/v2/country/all/indicator/borrow.any.t.d?format=json&per_page=20000&date=2011:2024&source=28

MLA 9

Global Findex: Borrowed any money (% age 15+) (borrow.any.t.d), EU countries by borrowed money from any source, adults, 2021. World Bank, 6 Oct. 2025, https://api.worldbank.org/v2/country/all/indicator/borrow.any.t.d?format=json&per_page=20000&date=2011:2024&source=28. Invokely, https://invokely.ai/rankings/borrowed-any-money-adults/eu-countries. Accessed 12 Oct. 2026.

Chicago (author-date)

World Bank. 2025. Global Findex: Borrowed any money (% age 15+) (borrow.any.t.d). EU countries by borrowed money from any source, adults, 2021. Dataset. Accessed October 12, 2026. https://api.worldbank.org/v2/country/all/indicator/borrow.any.t.d?format=json&per_page=20000&date=2011:2024&source=28. Also distributed by Invokely, https://invokely.ai/rankings/borrowed-any-money-adults/eu-countries.

Harvard

World Bank (2025) Global Findex: Borrowed any money (% age 15+) (borrow.any.t.d), EU countries by borrowed money from any source, adults, 2021 [Dataset]. Available at: https://api.worldbank.org/v2/country/all/indicator/borrow.any.t.d?format=json&per_page=20000&date=2011:2024&source=28, via Invokely: https://invokely.ai/rankings/borrowed-any-money-adults/eu-countries (Accessed: 12 October 2026).

BibTeX

@misc{world_eu_countries_by_borrowed_2021,
  author = {{World Bank}},
  title = {{Global Findex: Borrowed any money (\% age 15+) (borrow.any.t.d): EU countries by borrowed money from any source, adults, 2021}},
  year = {2025},
  howpublished = {Data set},
  url = {https://api.worldbank.org/v2/country/all/indicator/borrow.any.t.d?format=json&per_page=20000&date=2011:2024&source=28},
  urldate = {2026-10-12},
  note = {Accessed via Invokely, https://invokely.ai/rankings/borrowed-any-money-adults/eu-countries. Publisher attribution: World Bank, Global Findex Database. Global Findex: Borrowed any money (\% age 15+) (borrow.any.t.d). https://api.worldbank.org/v2/country/all/indicator/borrow.any.t.d?format=json\&per\_page=20000\&date=2011:2024\&source=28. Retrieved 2026-10-12. Licensed under CC BY 4.0.},
}

RIS

TY  - DATA
AU  - World Bank
TI  - Global Findex: Borrowed any money (% age 15+) (borrow.any.t.d): EU countries by borrowed money from any source, adults, 2021
PY  - 2025
DA  - 2025/10/06
PB  - World Bank
DB  - Invokely
UR  - https://api.worldbank.org/v2/country/all/indicator/borrow.any.t.d?format=json&per_page=20000&date=2011:2024&source=28
L2  - https://invokely.ai/rankings/borrowed-any-money-adults/eu-countries
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/borrowed-any-money-adults/eu-countries.
N1  - Publisher attribution: World Bank, Global Findex Database. Global Findex: Borrowed any money (% age 15+) (borrow.any.t.d). https://api.worldbank.org/v2/country/all/indicator/borrow.any.t.d?format=json&per_page=20000&date=2011:2024&source=28. Retrieved 2026-10-12. Licensed under CC BY 4.0.
ER  -

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Questions

Which EU country has the highest borrowed money from any source, adults?

Germany, with 66.36% in 2021, according to the World Bank.

Which EU country has the lowest borrowed money from any source, adults?

Lithuania, with 25.38% in 2021.

Where does this ranking come from?

Every value comes from one source and one period, so the places are comparable: World Bank, Global Findex: Borrowed any money (% age 15+) (borrow.any.t.d). Retrieved 2026-10-12. 1 EU countries have no value for 2021 and are not ranked.

Borrowed money from any source, adults: other rankings

Countries