EU countries by people using internet banking

Denmark had the highest people using internet banking of 27 EU countries in 2023, at 96.2%. Romania had the lowest, at 21.9%. The median was 71.1% and the figure for the European Union (27) was 63.9%. Source: Eurostat, European Commission.

Highest96.2Denmark

Lowest21.9Romania

Median71.127 EU countries

European Union (27)63.9History

Map of EU countries, 2023

Under 58
58 to 67
67 to 74
74 to 84
84 and over

%, 2023. Source: Eurostat, Individuals, internet activities, internet banking, all individuals (isoc_ci_ac_i). Boundaries: Natural Earth (public domain).

All EU countries, 2023

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

Full ranking

Rank	EU countries	2023 (%)	Change on 2022
1	Denmark	96.2	+1.9 pts
2	Netherlands	95.1	+4.4 pts
3	Finland	94.5	-0.2 pts
4	Estonia	84.9	+1.5 pts
5	Sweden	84.5	+1 pts
6	Ireland	83.8	+0.9 pts
7	Latvia	83.7	+1.3 pts
8	Czechia	79.8	+2.8 pts
9	Belgium	79.6	+0.1 pts
10	Austria	77.2	+4 pts
11	Lithuania	75.7	+0.9 pts
12	France	72.4	+4.5 pts
13	Spain	71.5	+1.9 pts
14	Luxembourg	71.1	+1.2 pts
15	Cyprus	70.9	+6.9 pts
16	Malta	68.1	+1.7 pts
17	Hungary	65.5	+4.5 pts
18	Croatia	61.9	+3.9 pts
19	Slovenia	60.7	+3.8 pts
20	Poland	59.1	+3.5 pts
21	Portugal	58.9	+1.4 pts
22	Slovakia	57.7	+9.6 pts
23	Germany	57.2	+8.6 pts
24	Greece	52	+2.2 pts
25	Italy	51.6	+3.2 pts
26	Bulgaria	23.4	+1 pts
27	Romania	21.9	+2.7 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, 2023) [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, 2023. 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=2023. 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, 2023. 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=2023.

Harvard

Eurostat, European Commission (2026) Individuals, internet activities, internet banking, all individuals (isoc_ci_ac_i), EU countries by people using internet banking, 2023 [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=2023 (Accessed: 12 October 2026).

BibTeX

@misc{eurostat_eu_countries_by_people_2023,
  author = {{Eurostat, European Commission}},
  title = {{Individuals, internet activities, internet banking, all individuals (isoc\_ci\_ac\_i): EU countries by people using internet banking, 2023}},
  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=2023. 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, 2023
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=2023
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/internet-banking-use/eu-countries?period=2023.
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?

Denmark, with 96.2% in 2023, according to Eurostat, European Commission.

Which EU country has the lowest people using internet banking?

Romania, with 21.9% in 2023.

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.