EU countries by borrowed from a financial institution or used a credit card, adults, 2021

Austria had the highest borrowed from a financial institution or used a credit card, adults of 26 EU countries in 2021, at 56.52%. Lithuania had the lowest, at 11.95%. The median was 34.42%. Source: the World Bank.

Highest56.52Austria

Lowest11.95Lithuania

Median34.4226 EU countries

All EU countries, 2021

%. Source: World Bank Global Findex, Global Findex: Borrowed from a formal bank or similar financial institution (% age 15+) (fin22a). Retrieved 2026-10-12.

Full ranking

Rank	EU countries	2021 (%)
1	Austria	56.52
2	Italy	55
3	Germany	54.67
4	Ireland	54.1
5	Denmark	53.16
6	Finland	52.97
7	Spain	51.91
8	Sweden	48.69
9	Belgium	47.97
10	France	44.36
11	Slovenia	42.35
12	Malta	38.94
13	Netherlands	34.44
14	Slovakia	34.41
15	Estonia	33.64
16	Croatia	33.03
17	Poland	31.91
18	Czechia	31.33
19	Cyprus	31.24
20	Portugal	30.44
21	Bulgaria	26.35
22	Latvia	22.73
23	Greece	20.11
24	Romania	19.14
25	Hungary	18.92
26	Lithuania	11.95

Other periods

2021
2017
2014

About this ranking

Percentage of respondents aged 15 and over who borrowed money from a bank or similar financial institution or used a credit card in the past 12 months. Includes card use, not bank borrowing alone; excludes borrowing through mobile money alone.

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 a formal bank or similar financial institution  (% age 15+) (fin22a). https://api.worldbank.org/v2/country/all/indicator/fin22a?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 a formal bank or similar financial institution (% age 15+) (fin22a) (EU countries by borrowed from a financial institution or used a credit card, adults, 2021) [Data set]. Retrieved October 12, 2026, from https://api.worldbank.org/v2/country/all/indicator/fin22a?format=json&per_page=20000&date=2011:2024&source=28

MLA 9

Global Findex: Borrowed from a formal bank or similar financial institution (% age 15+) (fin22a), EU countries by borrowed from a financial institution or used a credit card, adults, 2021. World Bank, 6 Oct. 2025, https://api.worldbank.org/v2/country/all/indicator/fin22a?format=json&per_page=20000&date=2011:2024&source=28. Invokely, https://invokely.ai/rankings/borrowed-formally-adults/eu-countries. Accessed 12 Oct. 2026.

Chicago (author-date)

World Bank. 2025. Global Findex: Borrowed from a formal bank or similar financial institution (% age 15+) (fin22a). EU countries by borrowed from a financial institution or used a credit card, adults, 2021. Dataset. Accessed October 12, 2026. https://api.worldbank.org/v2/country/all/indicator/fin22a?format=json&per_page=20000&date=2011:2024&source=28. Also distributed by Invokely, https://invokely.ai/rankings/borrowed-formally-adults/eu-countries.

Harvard

World Bank (2025) Global Findex: Borrowed from a formal bank or similar financial institution (% age 15+) (fin22a), EU countries by borrowed from a financial institution or used a credit card, adults, 2021 [Dataset]. Available at: https://api.worldbank.org/v2/country/all/indicator/fin22a?format=json&per_page=20000&date=2011:2024&source=28, via Invokely: https://invokely.ai/rankings/borrowed-formally-adults/eu-countries (Accessed: 12 October 2026).

BibTeX

@misc{world_eu_countries_by_borrowed_2021,
  author = {{World Bank}},
  title = {{Global Findex: Borrowed from a formal bank or similar financial institution (\% age 15+) (fin22a): EU countries by borrowed from a financial institution or used a credit card, adults, 2021}},
  year = {2025},
  howpublished = {Data set},
  url = {https://api.worldbank.org/v2/country/all/indicator/fin22a?format=json&per_page=20000&date=2011:2024&source=28},
  urldate = {2026-10-12},
  note = {Accessed via Invokely, https://invokely.ai/rankings/borrowed-formally-adults/eu-countries. Publisher attribution: World Bank, Global Findex Database. Global Findex: Borrowed from a formal bank or similar financial institution (\% age 15+) (fin22a). https://api.worldbank.org/v2/country/all/indicator/fin22a?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 a formal bank or similar financial institution (% age 15+) (fin22a): EU countries by borrowed from a financial institution or used a credit card, adults, 2021
PY  - 2025
DA  - 2025/10/06
PB  - World Bank
DB  - Invokely
UR  - https://api.worldbank.org/v2/country/all/indicator/fin22a?format=json&per_page=20000&date=2011:2024&source=28
L2  - https://invokely.ai/rankings/borrowed-formally-adults/eu-countries
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/borrowed-formally-adults/eu-countries.
N1  - Publisher attribution: World Bank, Global Findex Database. Global Findex: Borrowed from a formal bank or similar financial institution (% age 15+) (fin22a). https://api.worldbank.org/v2/country/all/indicator/fin22a?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 a financial institution or used a credit card, adults?

Austria, with 56.52% in 2021, according to the World Bank.

Which EU country has the lowest borrowed from a financial institution or used a credit card, adults?

Lithuania, with 11.95% 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 a formal bank or similar financial institution (% age 15+) (fin22a). Retrieved 2026-10-12. 1 EU countries have no value for 2021 and are not ranked.

Borrowed from a financial institution or used a credit card, adults: other rankings

Countries