Share of adults with an account at a financial institution in Zambia

Zambia: Share of adults with an account at a financial institution was 72.7% in 2024. ▲ Rising

Latest (2024)
72.7%
Change on year
up 49.8%
World rank
63rd
of 115 countries
All-time high
72.7%
in 2024
All-time low
21.4%
in 2011
Years of data
5
2011–2024

Share of adults with an account at a financial institution in Zambia, 2011–2024

204060802011201720242011: 21.4 % age 15+2014: 35.6 % age 15+2017: 45.9 % age 15+2021: 48.5 % age 15+2024: 72.7 % age 15+

Source: Global Findex Database - World Bank (2026) – processed by Our World in Data. Measured in % age 15+.

Analysis

The most recent figure for share of adults with an account at a financial institution in Zambia is 72.7%, measured in 2024. That is the highest value across all 5 years on record.

The figure is up 49.8% on the previous year and up 104.0% over ten years.

Over the whole period, share of adults with an account at a financial institution in Zambia peaked at 72.7% in 2024 and was at its lowest, 21.4%, in 2011.

That places Zambia 63rd out of 115 countries with data for 2024, putting it in the middle of the range.

Averages by decade

DecadeAverage LowestHighest Years
2010s 34.3% 21.4% 45.9% 3
2020s 60.6% 48.5% 72.7% 2

Countries ranked near Zambia

  1. 60 Senegal 76.5% compare
  2. 61 Uruguay 73.7% compare
  3. 62 Uganda 72.8% compare
  4. 64 Kyrgyzstan 72.3% compare
  5. 65 Armenia 71.4% compare
  6. 66 Costa Rica 71.4% compare

See the full ranking of 115 places →

More reference data data for Zambia

All data for Zambia →

Frequently asked questions

What is share of adults with an account at a financial institution in Zambia?
Share of adults with an account at a financial institution in Zambia was 72.7% in 2024, according to Global Findex Database - World Bank (2026) – processed by Our World in Data.
What is the highest share of adults with an account at a financial institution recorded in Zambia?
The highest recorded value was 72.7% in 2024.
What is the lowest share of adults with an account at a financial institution recorded in Zambia?
The lowest recorded value was 21.4% in 2011.
How does Zambia rank for share of adults with an account at a financial institution?
Zambia ranks 63rd out of 115 countries with data for 2024.
Is share of adults with an account at a financial institution rising or falling in Zambia?
Over the last ten years it is up 104.0%. The long-run trend across the full record is rising.
Where does this Zambia data come from?
The figures come from Global Findex Database - World Bank (2026) – processed by Our World in Data, published as part of Share of adults with an account at a financial institution. Statizoid updates them automatically from the source API.

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About this data

Indicator
Share of adults with an account at a financial institution
Unit
% age 15+
Source
Global Findex Database - World Bank (2026) – processed by Our World in Data
Licence
CC BY 4.0 (Our World in Data)
Coverage
115 places, 575 data points, 2011–2024
Last refreshed

The share of respondents aged 15 and older, who report having an account (by themselves or with someone else) at a bank or another type of financial institution.