EU countries by debit card ownership, adults

The Netherlands had the highest debit card ownership, adults of 27 EU countries in 2011, at 97.61%. Romania had the lowest, at 27.71%. The median was 70.47%. Source: the World Bank.

Highest97.61Netherlands

Lowest27.71Romania

Median70.4727 EU countries

Map of EU countries, 2011

Under 49
49 to 68
68 to 74
74 to 89
89 and over

%, 2011. Source: World Bank Global Findex, Global Findex: Owns a debit card (% age 15+) (fin2.t.d). Boundaries: Natural Earth (public domain).

All EU countries, 2011

%. Source: World Bank Global Findex, Global Findex: Owns a debit card (% age 15+) (fin2.t.d). Retrieved 2026-10-12.

Full ranking

Rank	EU countries	2011 (%)
1	Netherlands	97.61
2	Sweden	95.5
3	Estonia	92.27
4	Slovenia	91.88
5	Denmark	90.13
6	Finland	89.32
7	Germany	88.02
8	Austria	86.77
9	Belgium	85.76
10	Latvia	77.78
11	Croatia	74.77
12	Luxembourg	73.17
13	Malta	71.17
14	Ireland	70.47
15	France	69.25
16	Slovakia	68.27
17	Portugal	68.16
18	Hungary	62.4
19	Spain	62.18
20	Lithuania	61.32
21	Czechia	61.02
22	Cyprus	46.45
23	Bulgaria	45.8
24	Poland	37.34
25	Italy	35.18
26	Greece	33.95
27	Romania	27.71

Other periods

2024
2021
2017
2014
2011

About this ranking

Percentage of respondents aged 15 and over who report having an ATM or debit card.

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 debit card (% age 15+) (fin2.t.d). https://api.worldbank.org/v2/country/all/indicator/fin2.t.d?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 debit card (% age 15+) (fin2.t.d) (EU countries by debit card ownership, adults, 2011) [Data set]. Retrieved October 12, 2026, from https://api.worldbank.org/v2/country/all/indicator/fin2.t.d?format=json&per_page=20000&date=2011:2024&source=28

MLA 9

Global Findex: Owns a debit card (% age 15+) (fin2.t.d), EU countries by debit card ownership, adults, 2011. World Bank, 6 Oct. 2025, https://api.worldbank.org/v2/country/all/indicator/fin2.t.d?format=json&per_page=20000&date=2011:2024&source=28. Invokely, https://invokely.ai/rankings/debit-card-ownership-adults/eu-countries?period=2011. Accessed 12 Oct. 2026.

Chicago (author-date)

World Bank. 2025. Global Findex: Owns a debit card (% age 15+) (fin2.t.d). EU countries by debit card ownership, adults, 2011. Dataset. Accessed October 12, 2026. https://api.worldbank.org/v2/country/all/indicator/fin2.t.d?format=json&per_page=20000&date=2011:2024&source=28. Also distributed by Invokely, https://invokely.ai/rankings/debit-card-ownership-adults/eu-countries?period=2011.

Harvard

World Bank (2025) Global Findex: Owns a debit card (% age 15+) (fin2.t.d), EU countries by debit card ownership, adults, 2011 [Dataset]. Available at: https://api.worldbank.org/v2/country/all/indicator/fin2.t.d?format=json&per_page=20000&date=2011:2024&source=28, via Invokely: https://invokely.ai/rankings/debit-card-ownership-adults/eu-countries?period=2011 (Accessed: 12 October 2026).

BibTeX

@misc{world_eu_countries_by_debit_2011,
  author = {{World Bank}},
  title = {{Global Findex: Owns a debit card (\% age 15+) (fin2.t.d): EU countries by debit card ownership, adults, 2011}},
  year = {2025},
  howpublished = {Data set},
  url = {https://api.worldbank.org/v2/country/all/indicator/fin2.t.d?format=json&per_page=20000&date=2011:2024&source=28},
  urldate = {2026-10-12},
  note = {Accessed via Invokely, https://invokely.ai/rankings/debit-card-ownership-adults/eu-countries?period=2011. Publisher attribution: World Bank, Global Findex Database. Global Findex: Owns a debit card (\% age 15+) (fin2.t.d). https://api.worldbank.org/v2/country/all/indicator/fin2.t.d?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 debit card (% age 15+) (fin2.t.d): EU countries by debit card ownership, adults, 2011
PY  - 2025
DA  - 2025/10/06
PB  - World Bank
DB  - Invokely
UR  - https://api.worldbank.org/v2/country/all/indicator/fin2.t.d?format=json&per_page=20000&date=2011:2024&source=28
L2  - https://invokely.ai/rankings/debit-card-ownership-adults/eu-countries?period=2011
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/debit-card-ownership-adults/eu-countries?period=2011.
N1  - Publisher attribution: World Bank, Global Findex Database. Global Findex: Owns a debit card (% age 15+) (fin2.t.d). https://api.worldbank.org/v2/country/all/indicator/fin2.t.d?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 debit card ownership, adults?

The Netherlands, with 97.61% in 2011, according to the World Bank.

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

Romania, with 27.71% 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 debit card (% age 15+) (fin2.t.d). Retrieved 2026-10-12.

Debit card ownership, adults: other rankings

Countries