EU countries by borrowed from family or friends, adults, 2021

Bulgaria had the highest borrowed from family or friends, adults of 26 EU countries in 2021, at 29.99%. Italy had the lowest, at 5.05%. The median was 13.91%. Source: the World Bank.

Highest29.99Bulgaria

Lowest5.05Italy

Median13.9126 EU countries

Map of EU countries, 2021

Under 10
10 to 13
13 to 15
15 to 18
18 and over
No data

%, 2021. Hatched areas have no value for this period. Source: World Bank Global Findex, Global Findex: Borrowed from family or friends (% age 15+) (fin22b). Boundaries: Natural Earth (public domain).

All EU countries, 2021

%. Source: World Bank Global Findex, Global Findex: Borrowed from family or friends (% age 15+) (fin22b). Retrieved 2026-10-12.

Full ranking

Rank	EU countries	2021 (%)
1	Bulgaria	29.99
2	Greece	25.94
3	Romania	25.58
4	Cyprus	20.95
5	Poland	19.33
6	Denmark	17.5
7	Croatia	17.09
8	Slovenia	16.76
9	Latvia	16.56
10	Estonia	15.73
11	Slovakia	15.02
12	Germany	15
13	Austria	14.4
14	Finland	13.43
15	Czechia	13.4
16	Malta	12.99
17	Belgium	12.12
18	Sweden	11.79
19	Hungary	11.14
20	Lithuania	10.65
21	Spain	10.43
22	France	10.42
23	Netherlands	10.24
24	Ireland	9.84
25	Portugal	8.22
26	Italy	5.05

Other periods

2021
2017
2014

About this ranking

Percentage of respondents aged 15 and over who borrowed money from family, relatives or friends 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 from family or friends  (% age 15+) (fin22b). https://api.worldbank.org/v2/country/all/indicator/fin22b?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 from family or friends (% age 15+) (fin22b) (EU countries by borrowed from family or friends, adults, 2021) [Data set]. Retrieved October 12, 2026, from https://api.worldbank.org/v2/country/all/indicator/fin22b?format=json&per_page=20000&date=2011:2024&source=28

MLA 9

Global Findex: Borrowed from family or friends (% age 15+) (fin22b), EU countries by borrowed from family or friends, adults, 2021. World Bank, 6 Oct. 2025, https://api.worldbank.org/v2/country/all/indicator/fin22b?format=json&per_page=20000&date=2011:2024&source=28. Invokely, https://invokely.ai/rankings/borrowed-family-friends-adults/eu-countries. Accessed 12 Oct. 2026.

Chicago (author-date)

World Bank. 2025. Global Findex: Borrowed from family or friends (% age 15+) (fin22b). EU countries by borrowed from family or friends, adults, 2021. Dataset. Accessed October 12, 2026. https://api.worldbank.org/v2/country/all/indicator/fin22b?format=json&per_page=20000&date=2011:2024&source=28. Also distributed by Invokely, https://invokely.ai/rankings/borrowed-family-friends-adults/eu-countries.

Harvard

World Bank (2025) Global Findex: Borrowed from family or friends (% age 15+) (fin22b), EU countries by borrowed from family or friends, adults, 2021 [Dataset]. Available at: https://api.worldbank.org/v2/country/all/indicator/fin22b?format=json&per_page=20000&date=2011:2024&source=28, via Invokely: https://invokely.ai/rankings/borrowed-family-friends-adults/eu-countries (Accessed: 12 October 2026).

BibTeX

@misc{world_eu_countries_by_borrowed_2021,
  author = {{World Bank}},
  title = {{Global Findex: Borrowed from family or friends (\% age 15+) (fin22b): EU countries by borrowed from family or friends, adults, 2021}},
  year = {2025},
  howpublished = {Data set},
  url = {https://api.worldbank.org/v2/country/all/indicator/fin22b?format=json&per_page=20000&date=2011:2024&source=28},
  urldate = {2026-10-12},
  note = {Accessed via Invokely, https://invokely.ai/rankings/borrowed-family-friends-adults/eu-countries. Publisher attribution: World Bank, Global Findex Database. Global Findex: Borrowed from family or friends (\% age 15+) (fin22b). https://api.worldbank.org/v2/country/all/indicator/fin22b?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 from family or friends (% age 15+) (fin22b): EU countries by borrowed from family or friends, adults, 2021
PY  - 2025
DA  - 2025/10/06
PB  - World Bank
DB  - Invokely
UR  - https://api.worldbank.org/v2/country/all/indicator/fin22b?format=json&per_page=20000&date=2011:2024&source=28
L2  - https://invokely.ai/rankings/borrowed-family-friends-adults/eu-countries
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/borrowed-family-friends-adults/eu-countries.
N1  - Publisher attribution: World Bank, Global Findex Database. Global Findex: Borrowed from family or friends (% age 15+) (fin22b). https://api.worldbank.org/v2/country/all/indicator/fin22b?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 from family or friends, adults?

Bulgaria, with 29.99% in 2021, according to the World Bank.

Which EU country has the lowest borrowed from family or friends, adults?

Italy, with 5.05% 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 from family or friends (% age 15+) (fin22b). Retrieved 2026-10-12. 1 EU countries have no value for 2021 and are not ranked.

Borrowed from family or friends, adults: other rankings

Countries