EU countries by people using internet banking

Finland had the highest people using internet banking of 27 EU countries in 2022, at 94.7%. Romania had the lowest, at 19.2%. The median was 67.9% and the figure for the European Union (27) was 59.6%. Source: Eurostat, European Commission.

Highest94.7Finland

Lowest19.2Romania

Median67.927 EU countries

European Union (27)59.6History

Map of EU countries, 2022

Under 51
51 to 62
62 to 72
72 to 83
83 and over

%, 2022. Source: Eurostat, Individuals, internet activities, internet banking, all individuals (isoc_ci_ac_i). Boundaries: Natural Earth (public domain).

All EU countries, 2022

%. Source: Eurostat, Individuals, internet activities, internet banking, all individuals (isoc_ci_ac_i). Retrieved 2026-10-12.

Full ranking

Rank	EU countries	2022 (%)	Change on 2021
1	Finland	94.7	+1.4 pts
2	Denmark	94.4	-0.2 pts
3	Netherlands	90.7	-0 pts
4	Sweden	83.5	0 pts
5	Estonia	83.4	+1.8 pts
6	Ireland	82.9	+6 pts
7	Latvia	82.5	+2.2 pts
8	Belgium	79.5	+4.3 pts
9	Czechia	77.1	+4.3 pts
10	Lithuania	74.8	+2.4 pts
11	Austria	73.1	+1.8 pts
12	Luxembourg	70	-1.8 pts
13	Spain	69.6	+4.4 pts
14	France	67.9	-3.7 pts
15	Malta	66.3	+3.5 pts
16	Cyprus	63.9	-0.8 pts
17	Hungary	61	+5.1 pts
18	Croatia	58	+2.4 pts
19	Portugal	57.5	+4.6 pts
20	Slovenia	56.9	-0.3 pts
21	Poland	55.6	+3.3 pts
22	Greece	49.8	+7.4 pts
23	Germany	48.6	-1.8 pts
24	Italy	48.4	+3.2 pts
25	Slovakia	48.1	-9.8 pts
26	Bulgaria	22.4	+7.6 pts
27	Romania	19.2	+3.7 pts

Other periods

About this ranking

Share of people aged 16 to 74 who used internet banking in the 3 months before the survey (Eurostat ICT usage survey).

A share of all people aged 16 to 74, not only of internet users.

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

Eurostat. Individuals, internet activities, internet banking, all individuals (isoc_ci_ac_i). https://ec.europa.eu/eurostat/databrowser/view/isoc_ci_ac_i/default/table. Retrieved 2026-10-12.

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

Eurostat, European Commission. (2026). Individuals, internet activities, internet banking, all individuals (isoc_ci_ac_i) (EU countries by people using internet banking, 2022) [Data set]. Retrieved October 12, 2026, from https://ec.europa.eu/eurostat/databrowser/view/isoc_ci_ac_i/default/table

MLA 9

Individuals, internet activities, internet banking, all individuals (isoc_ci_ac_i), EU countries by people using internet banking, 2022. Eurostat, European Commission, 17 Apr. 2026, https://ec.europa.eu/eurostat/databrowser/view/isoc_ci_ac_i/default/table. Invokely, https://invokely.ai/rankings/internet-banking-use/eu-countries?period=2022. Accessed 12 Oct. 2026.

Chicago (author-date)

Eurostat, European Commission. 2026. Individuals, internet activities, internet banking, all individuals (isoc_ci_ac_i). EU countries by people using internet banking, 2022. Dataset. Accessed October 12, 2026. https://ec.europa.eu/eurostat/databrowser/view/isoc_ci_ac_i/default/table. Also distributed by Invokely, https://invokely.ai/rankings/internet-banking-use/eu-countries?period=2022.

Harvard

Eurostat, European Commission (2026) Individuals, internet activities, internet banking, all individuals (isoc_ci_ac_i), EU countries by people using internet banking, 2022 [Dataset]. Available at: https://ec.europa.eu/eurostat/databrowser/view/isoc_ci_ac_i/default/table, via Invokely: https://invokely.ai/rankings/internet-banking-use/eu-countries?period=2022 (Accessed: 12 October 2026).

BibTeX

@misc{eurostat_eu_countries_by_people_2022,
  author = {{Eurostat, European Commission}},
  title = {{Individuals, internet activities, internet banking, all individuals (isoc\_ci\_ac\_i): EU countries by people using internet banking, 2022}},
  year = {2026},
  howpublished = {Data set},
  url = {https://ec.europa.eu/eurostat/databrowser/view/isoc_ci_ac_i/default/table},
  urldate = {2026-10-12},
  note = {Accessed via Invokely, https://invokely.ai/rankings/internet-banking-use/eu-countries?period=2022. Publisher attribution: Eurostat. Individuals, internet activities, internet banking, all individuals (isoc\_ci\_ac\_i). https://ec.europa.eu/eurostat/databrowser/view/isoc\_ci\_ac\_i/default/table. Retrieved 2026-10-12.},
}

RIS

TY  - DATA
AU  - Eurostat, European Commission
TI  - Individuals, internet activities, internet banking, all individuals (isoc_ci_ac_i): EU countries by people using internet banking, 2022
PY  - 2026
DA  - 2026/04/17
PB  - Eurostat, European Commission
DB  - Invokely
UR  - https://ec.europa.eu/eurostat/databrowser/view/isoc_ci_ac_i/default/table
L2  - https://invokely.ai/rankings/internet-banking-use/eu-countries?period=2022
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/internet-banking-use/eu-countries?period=2022.
N1  - Publisher attribution: Eurostat. Individuals, internet activities, internet banking, all individuals (isoc_ci_ac_i). https://ec.europa.eu/eurostat/databrowser/view/isoc_ci_ac_i/default/table. Retrieved 2026-10-12.
ER  -

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Questions

Which EU country has the highest people using internet banking?

Finland, with 94.7% in 2022, according to Eurostat, European Commission.

Which EU country has the lowest people using internet banking?

Romania, with 19.2% in 2022.

Where does this ranking come from?

Every value comes from one source and one period, so the places are comparable: Eurostat, European Commission, Individuals, internet activities, internet banking, all individuals (isoc_ci_ac_i). Retrieved 2026-10-12.