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

All 26 values come from World Bank for 2021, so the places are comparable. 1 EU countries have no value for that period and are not ranked.

- Indicator id: `borrowed_formally_adults`
- Unit: %
- Definition: 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.
- Source: World Bank, 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)
- Publisher page: https://invokely.ai/en/publishers/world-bank
- Retrieved: 2026-10-12
- Citation: 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.
- Web page: https://invokely.ai/rankings/borrowed-formally-adults/eu-countries

| Rank | Place | % |
|---:|---|---:|
| 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 |