Countries with the Highest Financial Inclusion (2024)
Source: World Bank·25 countries·Updated 2024
This measure includes accounts at financial institutions and mobile-money services. It is expressed as a percentage of people age 15+.
Iceland leads with financial institution or mobile-money account ownership (age 15+, %) of 99.9%.
Finland ranks #2 at 99.8%.
Austria ranks #3 at 99.5%.
United Kingdom ranks #4 at 99.3%.
France ranks #5 at 99.2%.
Top 25 Countries by Financial Institution or Mobile-Money Account Ownership (Age 15+, %)
| # | Country | Financial Institution or Mobile-Money Account Ownership (Age 15+, %) | Year |
|---|---|---|---|
| 1 |  Iceland | 99.9% | 2024 |
| 2 |  Finland | 99.8% | 2024 |
| 3 |  Austria | 99.5% | 2024 |
| 4 |  United Kingdom | 99.3% | 2024 |
| 5 |  France | 99.2% | 2024 |
| 6 |  Netherlands | 99.2% | 2024 |
| 7 |  Lithuania | 99.0% | 2024 |
| 8 |  Estonia | 98.9% | 2024 |
| 9 |  Luxembourg | 98.8% | 2017 |
| 10 |  Slovenia | 98.7% | 2024 |
| 11 |  Denmark | 98.7% | 2024 |
| 12 |  Sweden | 98.6% | 2024 |
| 13 |  Norway | 98.6% | 2024 |
| 14 |  Japan | 98.5% | 2024 |
| 15 |  Switzerland | 98.4% | 2024 |
| 16 |  Canada | 98.4% | 2024 |
| 17 |  Spain | 98.4% | 2024 |
| 18 |  Germany | 98.3% | 2024 |
| 19 |  Ireland | 98.3% | 2024 |
| 20 |  Mongolia | 98.3% | 2024 |
| 21 |  Belgium | 98.2% | 2024 |
| 22 |  Australia | 98.0% | 2024 |
| 23 |  Singapore | 98.0% | 2024 |
| 24 |  New Zealand | 97.9% | 2024 |
| 25 |  Hong Kong SAR, China | 97.3% | 2024 |
Data from 158 countries is available. View full rankings →
FAQ
What is the highest financial institution or mobile-money account ownership (age 15+, %) in 2024?
Iceland has the highest financial institution or mobile-money account ownership (age 15+, %) at 99.9% in 2024.
How many countries are included in this ranking?
This article features the top 25 countries out of 158 with available data. Full rankings available on the indicator page.
Where does this data come from?
Data is sourced from the World Bank. It is updated regularly as new releases become available.