# EU countries by credit card ownership, 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: `credit_card_ownership_adults`
- Unit: %
- Definition: Percentage of respondents aged 15 and over who report having a credit card. Measures ownership, not whether the card was used or has an outstanding balance.
- Source: World Bank, Global Findex: Owns a credit card  (% age 15+) (fin10) (https://api.worldbank.org/v2/country/all/indicator/fin10?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: Owns a credit card  (% age 15+) (fin10). https://api.worldbank.org/v2/country/all/indicator/fin10?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/credit-card-ownership-adults/eu-countries

| Rank | Place | % |
|---:|---|---:|
| 1 | Finland | 65.29 |
| 2 | Austria | 58.99 |
| 3 | Denmark | 58.5 |
| 4 | Italy | 57.88 |
| 5 | Spain | 56.61 |
| 6 | Germany | 56.52 |
| 7 | Ireland | 54.96 |
| 8 | Belgium | 49.82 |
| 9 | Sweden | 48.35 |
| 10 | Slovenia | 45.05 |
| 11 | Malta | 42.48 |
| 12 | France | 39.76 |
| 13 | Portugal | 38.54 |
| 14 | Netherlands | 37.43 |
| 15 | Croatia | 35.75 |
| 16 | Estonia | 34.86 |
| 17 | Cyprus | 32.48 |
| 18 | Slovakia | 30.94 |
| 19 | Czechia | 29.85 |
| 20 | Poland | 24.44 |
| 21 | Bulgaria | 23.27 |
| 22 | Greece | 23.17 |
| 23 | Romania | 17.78 |
| 24 | Latvia | 17.08 |
| 25 | Hungary | 15.92 |
| 26 | Lithuania | 11.89 |