EU countries by credit card ownership, adults

Luxembourg had the highest credit card ownership, adults of 27 EU countries in 2011, at 72.41%. Bulgaria had the lowest, at 10.43%. The median was 35.71%. Source: the World Bank.

Highest72.41Luxembourg

Lowest10.43Bulgaria

Median35.7127 EU countries

Map of EU countries, 2011

Under 18
18 to 30
30 to 39
39 to 51
51 and over

%, 2011. Source: World Bank Global Findex, Global Findex: Owns a credit card (% age 15+) (fin10). Boundaries: Natural Earth (public domain).

All EU countries, 2011

%. Source: World Bank Global Findex, Global Findex: Owns a credit card (% age 15+) (fin10). Retrieved 2026-10-12.

Full ranking

Rank	EU countries	2011 (%)
1	Luxembourg	72.41
2	Finland	63.87
3	Ireland	55.65
4	Belgium	54.33
5	Sweden	53.53
6	Malta	52.91
7	Cyprus	45.87
8	Denmark	44.92
9	Spain	41.88
10	Netherlands	41.39
11	Austria	38.92
12	Slovenia	38.6
13	France	37.52
14	Germany	35.71
15	Croatia	34.76
16	Italy	30.5
17	Estonia	30.22
18	Portugal	29.64
19	Czechia	26.45
20	Slovakia	20.32
21	Latvia	19.87
22	Poland	17.69
23	Greece	17.46
24	Hungary	15.03
25	Lithuania	13.41
26	Romania	11.66
27	Bulgaria	10.43

Other periods

2021
2017
2014
2011

About this ranking

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.

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: 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.

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: Owns a credit card (% age 15+) (fin10) (EU countries by credit card ownership, adults, 2011) [Data set]. Retrieved October 12, 2026, from https://api.worldbank.org/v2/country/all/indicator/fin10?format=json&per_page=20000&date=2011:2024&source=28

MLA 9

Global Findex: Owns a credit card (% age 15+) (fin10), EU countries by credit card ownership, adults, 2011. World Bank, 6 Oct. 2025, https://api.worldbank.org/v2/country/all/indicator/fin10?format=json&per_page=20000&date=2011:2024&source=28. Invokely, https://invokely.ai/rankings/credit-card-ownership-adults/eu-countries?period=2011. Accessed 12 Oct. 2026.

Chicago (author-date)

World Bank. 2025. Global Findex: Owns a credit card (% age 15+) (fin10). EU countries by credit card ownership, adults, 2011. Dataset. Accessed October 12, 2026. https://api.worldbank.org/v2/country/all/indicator/fin10?format=json&per_page=20000&date=2011:2024&source=28. Also distributed by Invokely, https://invokely.ai/rankings/credit-card-ownership-adults/eu-countries?period=2011.

Harvard

World Bank (2025) Global Findex: Owns a credit card (% age 15+) (fin10), EU countries by credit card ownership, adults, 2011 [Dataset]. Available at: https://api.worldbank.org/v2/country/all/indicator/fin10?format=json&per_page=20000&date=2011:2024&source=28, via Invokely: https://invokely.ai/rankings/credit-card-ownership-adults/eu-countries?period=2011 (Accessed: 12 October 2026).

BibTeX

@misc{world_eu_countries_by_credit_2011,
  author = {{World Bank}},
  title = {{Global Findex: Owns a credit card (\% age 15+) (fin10): EU countries by credit card ownership, adults, 2011}},
  year = {2025},
  howpublished = {Data set},
  url = {https://api.worldbank.org/v2/country/all/indicator/fin10?format=json&per_page=20000&date=2011:2024&source=28},
  urldate = {2026-10-12},
  note = {Accessed via Invokely, https://invokely.ai/rankings/credit-card-ownership-adults/eu-countries?period=2011. Publisher attribution: 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.},
}

RIS

TY  - DATA
AU  - World Bank
TI  - Global Findex: Owns a credit card (% age 15+) (fin10): EU countries by credit card ownership, adults, 2011
PY  - 2025
DA  - 2025/10/06
PB  - World Bank
DB  - Invokely
UR  - https://api.worldbank.org/v2/country/all/indicator/fin10?format=json&per_page=20000&date=2011:2024&source=28
L2  - https://invokely.ai/rankings/credit-card-ownership-adults/eu-countries?period=2011
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/credit-card-ownership-adults/eu-countries?period=2011.
N1  - Publisher attribution: 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.
ER  -

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Questions

Which EU country has the highest credit card ownership, adults?

Luxembourg, with 72.41% in 2011, according to the World Bank.

Which EU country has the lowest credit card ownership, adults?

Bulgaria, with 10.43% in 2011.

Where does this ranking come from?

Every value comes from one source and one period, so the places are comparable: World Bank, Global Findex: Owns a credit card (% age 15+) (fin10). Retrieved 2026-10-12.

Credit card ownership, adults: other rankings

Countries