EU countries by borrowed from family or friends, adults

Poland had the highest borrowed from family or friends, adults of 27 EU countries in 2017, at 25.1%. Malta had the lowest, at 7.85%. The median was 14.32%. Source: the World Bank.

Highest25.1Poland

Lowest7.85Malta

Median14.3227 EU countries

Map of EU countries, 2017

Under 9.5
9.5 to 13
13 to 15
15 to 19
19 and over

%, 2017. Source: World Bank Global Findex, Global Findex: Borrowed from family or friends (% age 15+) (fin22b). Boundaries: Natural Earth (public domain).

All EU countries, 2017

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

Full ranking

Rank	EU countries	2017 (%)
1	Poland	25.1
2	Bulgaria	24.34
3	Lithuania	21.93
4	Latvia	20.84
5	Romania	20.69
6	Cyprus	19.05
7	Spain	16.79
8	Croatia	16.59
9	Italy	16.35
10	Denmark	15.82
11	Portugal	15.39
12	Greece	14.67
13	Ireland	14.51
14	Austria	14.32
15	Sweden	13.65
16	Czechia	13.49
17	Slovakia	13.12
18	Finland	12.99
19	Slovenia	12.18
20	Hungary	10.56
21	Netherlands	10.24
22	Belgium	9.26
23	Estonia	8.96
24	Germany	8.44
25	France	8.37
26	Luxembourg	8.02
27	Malta	7.85

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. 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, 2017) [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, 2017. 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?period=2017. 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, 2017. 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?period=2017.

Harvard

World Bank (2025) Global Findex: Borrowed from family or friends (% age 15+) (fin22b), EU countries by borrowed from family or friends, adults, 2017 [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?period=2017 (Accessed: 12 October 2026).

BibTeX

@misc{world_eu_countries_by_borrowed_2017,
  author = {{World Bank}},
  title = {{Global Findex: Borrowed from family or friends (\% age 15+) (fin22b): EU countries by borrowed from family or friends, adults, 2017}},
  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?period=2017. 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, 2017
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?period=2017
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/borrowed-family-friends-adults/eu-countries?period=2017.
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?

Poland, with 25.1% in 2017, according to the World Bank.

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

Malta, with 7.85% 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: Borrowed from family or friends (% age 15+) (fin22b). Retrieved 2026-10-12.

Borrowed from family or friends, adults: other rankings

Countries