The following list ranks countries by the share of population with access to financial services. Access to financial services is defined as the share of the adult population with an account ownership at a financial institution or with a mobile-money-service provider. The data for the ranking taken from the Global Financial Inclusion Database, which was compiled by the World Bank in partnership with Gallup from through surveys of more than 150,000 adults in over 140 countries. Funding for the project came from the Bill and Melinda Gates Foundation.^[1] Surveys were taken in 2011, 2014 and 2017.

Ranking

Account ownership at a financial institution or with a mobile-money-service provider (% of population 15+)^[2]

Rank 2017	Country	2011	2014	2017
1	Denmark	99.74	100.00	99.92
2	Finland	99.65	100.00	99.79
3	Norway		100.00	99.75
4	Sweden	98.99	99.72	99.74
5	Canada	95.81	99.10	99.73
6	Netherlands	98.66	99.30	99.64
7	Australia	99.06	98.86	99.52
8	New Zealand		99.53	99.18
9	Germany	98.13	98.76	99.14
10	Luxembourg	94.59	96.17	98.77
11	Belgium	96.31	98.13	98.64
12	Switzerland		97.99	98.43
13	Japan	96.42	96.65	98.24
14	Austria	97.08	96.73	98.16
15	Estonia	96.82	97.67	97.99
16	Singapore	98.22	96.35	97.93
17	Slovenia	97.14	97.24	97.53
18	Malta	95.27	96.33	97.36
19	United Kingdom	97.20	98.93	96.37
20	Ireland	93.89	94.71	95.34
21	Hong Kong	88.69	96.15	95.28
22	South Korea	93.05	94.36	94.85
23	France	96.98	96.58	94.00
24	Iran	73.68	92.28	93.98
25	Italy	71.01	87.33	93.79
26	Spain	93.28	97.58	93.76
27	Latvia	89.66	90.22	93.22
28	United States	87.96	93.58	93.12
29	Mongolia	77.72	91.82	92.97
30	Israel	90.47	89.95	92.81
31	Portugal	81.23	87.39	92.34
32	Mauritius	80.12	82.21	89.84
33	Cyprus	79.58	90.15	88.72
34	United Arab Emirates	59.73	83.74	88.21
35	Poland	70.19	77.86	86.73
36	Croatia	88.39	86.03	86.14
37	Greece	77.94	87.52	85.47
38	Malaysia	66.17	80.67	85.34
39	Slovakia	79.58	77.24	84.18
40	Lithuania	73.76	77.91	82.88
41	Bahrain	64.51	81.94	82.61
42	Thailand	72.67	78.14	81.59
43	Kenya	42.34	74.66	81.57
44	Belarus	58.60	71.98	81.16
45	Czech Republic	80.65	82.18	80.99
46	Trinidad and Tobago	75.92		80.78
47	Namibia		58.83	80.63
48	China	63.82	78.85	80.23
49	India	35.23	53.14	79.88
50	Kuwait	86.77	72.91	79.84
51	North Macedonia	73.70	71.80	76.57
52	Russia	48.18	67.38	75.76
53	Hungary	72.67	72.26	74.94
54	Chile	42.18	63.26	74.35
55	Sri Lanka	68.53	82.69	73.65
56	Venezuela	44.12	57.03	73.49
57	Bulgaria	52.82	62.99	72.20
58	Saudi Arabia	46.42	69.41	71.70
59	Serbia	62.22	83.09	71.44
60	Brazil	55.86	68.12	70.04
61	South Africa	53.65	70.32	69.22
62	Turkey	57.60	56.68	68.59
63	Montenegro	50.44	59.83	68.36
64	Costa Rica	50.36	64.55	67.84
65	Libya			65.67
66	Uruguay	23.54	45.59	63.87
67	Ukraine	41.27	52.71	62.90
68	Georgia	32.98	39.67	61.23
69	Uganda	20.46	44.45	59.20
70	Bosnia and Herzegovina	56.21	52.69	58.84
71	Kazakhstan	42.11	53.91	58.70
72	Gabon	18.95	33.01	58.60
73	Romania	44.59	60.84	57.75
74	Ghana	29.43	40.51	57.72
75	Dominican Republic	38.20	54.09	56.24
76	Zimbabwe	39.65	32.39	55.29
77	Bolivia	28.03	41.80	54.41
78	Kosovo	44.31	47.80	52.27
79	Ecuador	36.74	46.21	51.25
80	Botswana	30.26	51.96	51.03
81	Bangladesh	31.74	30.99	50.05
82	Rwanda	32.76	42.12	50.02
83	Indonesia	19.58	36.06	48.86
84	Argentina	33.13	50.20	48.71
85	Paraguay	21.72		48.65
86	Armenia	17.49	17.67	47.76
87	Tajikistan	2.54	11.46	47.02
88	Tanzania	17.26	39.78	46.75
89	Panama	24.93	43.66	46.49
90	Zambia	21.37	35.65	45.86
91	Colombia	30.43	39.00	45.76
92	Lesotho	18.50		45.56
93	Nepal	25.31	33.80	45.39
94	Honduras	20.51	31.49	45.34
95	Togo	10.19	18.25	45.29
96	Lebanon	37.03	46.93	44.75
97	Guatemala	22.32	41.35	44.11
98	Moldova	18.07	17.76	43.79
99	Burkina Faso	13.53	14.36	43.16
100	Algeria		50.48	42.78
101	Peru	20.46	28.98	42.60
102	Jordan	25.47	24.62	42.49
103	Senegal	5.82	15.43	42.34
104	Mozambique			41.67
105	Ivory Coast		34.32	41.33
106	Turkmenistan	0.41		40.58
107	Albania	28.27	37.99	40.02
108	Kyrgyzstan	3.76	18.47	39.94
109	Nigeria	29.67	44.44	39.67
110	Benin	10.46	16.62	38.49
111	Uzbekistan	22.50	40.71	37.09
112	Mexico	27.43	39.14	36.93
113	Tunisia		27.43	36.91
114	Liberia	18.80		35.71
115	Mali	8.21	20.08	35.42
116	Ethiopia		21.79	34.83
117	Cameroon	14.81	12.18	34.59
118	Philippines	26.56	31.29	34.50
119	Malawi	16.54	18.09	33.71
120	Egypt	9.72	14.13	32.78
121	Haiti	22.01	18.86	32.62
122	Nicaragua	14.22	19.44	30.86
123	Vietnam	21.37	30.95	30.80
124	El Salvador	13.77	36.72	30.35
125	Laos	26.77		29.06
126	Morocco			28.64
127	Azerbaijan	14.90	29.15	28.57
128	Republic of the Congo	10.05	17.07	26.09
129	Myanmar		22.78	25.99
130	Democratic Republic of the Congo	3.70	17.48	25.83
131	Palestine	19.43	24.24	25.02
132	Guinea	3.69	6.96	23.49
133	Iraq	10.55	10.97	22.67
134	Chad	8.96	12.43	21.76
135	Cambodia	3.66	22.17	21.67
136	Pakistan	10.31	13.04	21.29
137	Mauritania	17.46	22.87	20.87
138	Sierra Leone	15.34	15.58	19.81
139	Madagascar	5.52	8.55	17.87
140	Niger	1.52	6.71	15.52
141	Afghanistan	9.01	9.96	14.89
142	Central African Republic	3.30		13.75
143	South Sudan			8.57
...	Jamaica	70.99	78.46
...	Puerto Rico		69.74
...	Belize		48.21
...	Somalia		38.66
...	Bhutan		33.67
...	Angola	39.20	29.32
...	Sudan	6.90	15.27
...	Burundi	7.24	7.11
...	Yemen	3.66	6.45
...	Oman	73.60
...	Qatar	65.88
...	Eswatini	28.57
...	Syria	23.25
...	Comoros	21.69
...	Djibouti	12.27
	World	50.63	62.00	68.52