Owns a debit card (% age 15+) by country
The percentage of respondents who report having an ATM or debit card, (% age 15+)
Countries reporting
118
Highest
98.9%
Finland
Lowest
1.8%
Niger
Median
57.7%
Years covered
14
2011–2024
Data points
640
What the numbers show
Owns a debit card (% age 15+) is currently reported for 118 countries. The highest value is 98.9% in Finland; the lowest is 1.8% in Niger.
The median across all reporting countries is 57.7%, and the mean is 53.9%.
The gap between the highest and lowest reporting country is a factor of about 54.
Over the past decade 102 countries rose and 16 fell. The largest increase was in Kyrgyzstan (up 813.8%), and the largest decrease in Malawi (down 64.0%).
Owns a debit card: full country ranking
| # | Country | Latest | Year | 10-year change | Trend |
|---|---|---|---|---|---|
| 1 | Finland | 98.9% | 2024 | up 2.3% | rising |
| 2 | Sweden | 97.8% | 2024 | up 0.2% | flat |
| 3 | Denmark | 97.3% | 2024 | up 1.9% | rising |
| 4 | Netherlands | 97.2% | 2024 | down 1.2% | flat |
| 5 | Belgium | 96.4% | 2024 | up 3.1% | rising |
| 6 | Slovenia | 95.8% | 2024 | up 4.9% | rising |
| 7 | United Kingdom | 95.6% | 2024 | down 0.8% | rising |
| 8 | Austria | 95.5% | 2024 | up 17.1% | rising |
| 9 | Estonia | 95.4% | 2024 | up 2.2% | flat |
| 10 | Singapore | 95.0% | 2024 | up 6.2% | rising |
| 11 | Germany | 94.8% | 2024 | up 3.0% | rising |
| 12 | Canada | 94.5% | 2024 | up 1.4% | rising |
| 13 | Ireland | 94.2% | 2024 | up 9.5% | rising |
| 14 | New Zealand | 93.7% | 2024 | down 1.9% | flat |
| 15 | Lithuania | 93.1% | 2024 | up 43.8% | rising |
| 16 | France | 92.7% | 2024 | up 14.2% | rising |
| 17 | Malta | 92.1% | 2024 | up 17.4% | rising |
| 18 | Australia | 91.9% | 2024 | up 3.4% | rising |
| 19 | Japan | 91.5% | 2024 | up 3.9% | rising |
| 20 | Slovakia | 89.4% | 2024 | up 26.9% | rising |
| 21 | Iran | 89.1% | 2024 | up 18.6% | rising |
| 22 | Croatia | 88.8% | 2024 | up 24.8% | rising |
| 23 | Taiwan | 88.3% | 2024 | up 25.2% | rising |
| 24 | Hong Kong | 88.2% | 2024 | up 26.3% | rising |
| 25 | Czechia | 88.1% | 2024 | up 37.8% | rising |
| 26 | Cyprus | 87.8% | 2024 | up 79.7% | rising |
| 27 | Mongolia | 87.5% | 2024 | up 33.2% | rising |
| 28 | United States | 87.4% | 2024 | up 14.7% | rising |
| 29 | Latvia | 87.2% | 2024 | up 3.2% | rising |
| 30 | Portugal | 87.0% | 2024 | up 30.5% | rising |
| 31 | Spain | 85.9% | 2024 | up 4.0% | rising |
| 32 | Hungary | 82.9% | 2024 | up 38.4% | rising |
| 33 | Ukraine | 81.8% | 2024 | up 105.9% | rising |
| 34 | Poland | 81.4% | 2024 | up 64.6% | rising |
| 35 | China | 81.1% | 2024 | up 66.5% | rising |
| 36 | Bulgaria | 81.0% | 2024 | up 44.8% | rising |
| 37 | Italy | 81.0% | 2024 | up 25.6% | rising |
| 38 | Chile | 80.8% | 2024 | up 49.5% | rising |
| 39 | Greece | 80.8% | 2024 | up 46.6% | rising |
| 40 | Malaysia | 80.1% | 2024 | up 94.6% | rising |
| 41 | South Korea | 79.6% | 2024 | up 19.2% | rising |
| 42 | Turkey | 79.1% | 2024 | up 82.9% | rising |
| 43 | Mauritius | 78.5% | 2024 | up 26.7% | rising |
| 44 | Saudi Arabia | 76.0% | 2024 | up 19.4% | rising |
| 45 | Serbia | 75.3% | 2024 | up 30.2% | rising |
| 46 | North Macedonia | 75.2% | 2024 | up 42.5% | rising |
| 47 | Brazil | 73.8% | 2024 | up 24.8% | rising |
| 48 | Uruguay | 72.3% | 2024 | up 91.9% | rising |
| 49 | Venezuela | 71.6% | 2024 | up 44.2% | rising |
| 50 | Russia | 71.5% | 2024 | up 61.4% | rising |
| 51 | Kazakhstan | 67.7% | 2024 | up 111.4% | rising |
| 52 | Romania | 65.4% | 2024 | up 42.9% | rising |
| 53 | Vietnam | 64.8% | 2024 | up 144.5% | rising |
| 54 | Bosnia and Herzegovina | 64.6% | 2024 | up 88.0% | rising |
| 55 | Georgia | 64.5% | 2024 | up 117.5% | rising |
| 56 | Argentina | 64.1% | 2024 | up 45.1% | rising |
| 57 | Costa Rica | 62.9% | 2024 | up 17.5% | rising |
| 58 | South Africa | 59.8% | 2024 | up 9.1% | rising |
| 59 | Kyrgyzstan | 58.5% | 2024 | up 813.8% | volatile |
| 60 | Thailand | 56.9% | 2024 | up 3.9% | rising |
| 61 | Kosovo | 55.6% | 2024 | up 64.0% | rising |
| 61 | Kosovo (UNSCR 1244) | 55.6% | 2024 | up 64.0% | rising |
| 63 | Uzbekistan | 52.6% | 2024 | up 113.5% | rising |
| 64 | Panama | 49.4% | 2024 | up 95.2% | rising |
| 65 | Azerbaijan | 49.3% | 2024 | up 214.7% | volatile |
| 66 | Israel | 48.6% | 2024 | up 49.9% | rising |
| 67 | Nigeria | 48.3% | 2024 | up 35.8% | rising |
| 68 | Ecuador | 45.7% | 2024 | up 78.6% | rising |
| 69 | Armenia | 43.7% | 2024 | up 421.2% | volatile |
| 70 | Moldova | 43.5% | 2024 | up 174.6% | rising |
| 71 | Dominican Republic | 43.2% | 2024 | up 91.3% | rising |
| 72 | Sri Lanka | 42.2% | 2024 | up 69.7% | rising |
| 73 | Indonesia | 41.4% | 2024 | up 59.5% | rising |
| 74 | Mexico | 40.1% | 2024 | up 49.6% | rising |
| 75 | India | 37.6% | 2024 | up 70.2% | rising |
| 76 | Peru | 36.7% | 2024 | up 71.6% | rising |
| 77 | Bolivia | 33.7% | 2024 | up 46.3% | rising |
| 78 | Albania | 32.8% | 2024 | up 50.1% | rising |
| 79 | Senegal | 32.7% | 2024 | up 457.6% | volatile |
| 80 | Egypt | 32.6% | 2024 | up 240.2% | volatile |
| 81 | Palestine | 31.4% | 2024 | up 195.2% | rising |
| 82 | Jordan | 29.9% | 2024 | up 56.6% | rising |
| 83 | Botswana | 28.1% | 2024 | down 19.9% | rising |
| 84 | Colombia | 26.1% | 2024 | down 13.2% | rising |
| 85 | El Salvador | 25.4% | 2024 | up 16.6% | rising |
| 86 | Tajikistan | 24.0% | 2024 | up 476.2% | volatile |
| 87 | Iraq | 23.8% | 2024 | up 577.6% | volatile |
| 88 | Algeria | 22.2% | 2024 | up 2.6% | rising |
| 89 | Honduras | 21.5% | 2024 | up 50.8% | rising |
| 90 | Philippines | 20.1% | 2024 | down 1.7% | rising |
| 91 | Kenya | 19.5% | 2024 | down 43.7% | falling |
| 92 | Guatemala | 18.1% | 2024 | up 11.7% | rising |
| 93 | Nepal | 17.6% | 2024 | up 162.8% | rising |
| 94 | Zimbabwe | 17.4% | 2024 | up 25.7% | falling |
| 95 | Ghana | 14.8% | 2024 | up 50.8% | rising |
| 96 | Tanzania | 14.1% | 2024 | up 22.5% | rising |
| 97 | Nicaragua | 13.8% | 2024 | up 22.2% | rising |
| 98 | Lebanon | 13.4% | 2024 | down 60.0% | falling |
| 99 | Zambia | 12.6% | 2024 | down 32.3% | falling |
| 100 | Cambodia | 11.6% | 2024 | up 117.2% | volatile |
| 101 | Mauritania | 10.9% | 2024 | down 3.9% | rising |
| 102 | Pakistan | 10.6% | 2024 | up 258.7% | rising |
| 103 | Mali | 10.4% | 2024 | up 157.9% | volatile |
| 104 | Togo | 10.2% | 2024 | up 348.8% | volatile |
| 105 | Uganda | 9.3% | 2024 | down 48.0% | falling |
| 106 | Gabon | 8.5% | 2024 | down 53.7% | falling |
| 107 | Burkina Faso | 7.9% | 2024 | up 84.0% | volatile |
| 108 | Cameroon | 7.8% | 2024 | up 27.4% | rising |
| 109 | Bangladesh | 7.7% | 2024 | up 48.3% | rising |
| 110 | Guinea | 6.3% | 2024 | up 70.5% | rising |
| 111 | Congo | 5.4% | 2024 | down 46.6% | flat |
| 112 | Democratic Republic of Congo | 5.3% | 2024 | up 39.0% | rising |
| 113 | Chad | 5.1% | 2024 | up 82.9% | rising |
| 114 | Benin | 4.8% | 2024 | down 3.7% | volatile |
| 115 | Malawi | 4.2% | 2024 | down 64.0% | falling |
| 116 | Sierra Leone | 3.5% | 2024 | down 33.2% | falling |
| 117 | Madagascar | 2.5% | 2024 | up 57.7% | volatile |
| 118 | Niger | 1.8% | 2024 | up 268.4% | volatile |
Regions and income groups
Aggregates are excluded from the country ranking above so that a region can never outrank a country.
- Upper middle income 73.4%
- East Asia & Pacific (excluding high income) 72.7%
- Europe & Central Asia (excluding high income) 69.2%
- Latin America & Caribbean (excluding high income) 53.3%
- Low & middle income 51.7%
- Middle East, North Africa, Afghanistan & Pakistan (excluding high income) 44.0%
- Lower middle income 35.2%
- South Asia 31.7%
- Sub-Saharan Africa (excluding high income) 22.2%
- Low income 8.5%
About this data
The percentage of respondents who report having an ATM or debit card, (% age 15+)