Owns a debit card in Ghana

Ghana: Owns a debit card was 14.8% in 2024. ▲ Rising

Latest (2024)
14.8%
Change on year
down 15.0%
World rank
95th
of 118 countries
All-time high
18.6%
in 2017
All-time low
9.8%
in 2014
Years of data
5
2011–2024

Owns a debit card in Ghana, 2011–2024

051015202011201720242011: 11.4 % age 15+2014: 9.8 % age 15+2017: 18.6 % age 15+2021: 17.4 % age 15+2024: 14.8 % age 15+

Source: Global Findex Database. Measured in % age 15+.

Analysis

In 2024, owns a debit card in Ghana stood at 14.8%.

Compared with earlier readings it is down 15.0% on the previous year and up 50.8% over ten years.

Over the whole period, owns a debit card in Ghana peaked at 18.6% in 2017 and was at its lowest, 9.8%, in 2014.

That places Ghana 95th out of 118 countries with data for 2024, putting it in the bottom quarter.

Owns a debit card in Ghana, year by year

Annual values for Owns a debit card (% age 15+) in Ghana, 2011 to 2024.
Year % age 15+ Change
2011 11.4%
2014 9.8% -14.0%
2017 18.6% +89.4%
2021 17.4% -6.3%
2024 14.8% -15.0%

Ghana compared with similar countries

  • Ghana's 14.8% is below the median for lower middle income countries, which is 16.1%, 92% of the median. (28 countries reporting)
  • Ghana's 14.8% is above the median for Sub-Saharan Africa, which is 9.7%, 1.5× the median. (26 countries reporting)

Averages by decade

DecadeAverage LowestHighest Years
2010s 13.3% 9.8% 18.6% 3
2020s 16.1% 14.8% 17.4% 2

Countries ranked near Ghana

  1. 92 Guatemala 18.1% compare
  2. 93 Nepal 17.6% compare
  3. 94 Zimbabwe 17.4% compare
  4. 96 Tanzania 14.1% compare
  5. 97 Nicaragua 13.8% compare
  6. 98 Lebanon 13.4% compare

See the full ranking of 128 places →

More reference data data for Ghana

All data for Ghana →

Frequently asked questions

What is owns a debit card in Ghana?
Owns a debit card in Ghana was 14.8% in 2024, according to Global Findex Database.
What is the highest owns a debit card recorded in Ghana?
The highest recorded value was 18.6% in 2017.
What is the lowest owns a debit card recorded in Ghana?
The lowest recorded value was 9.8% in 2014.
How does Ghana rank for owns a debit card?
Ghana ranks 95th out of 118 countries with data for 2024.
Is owns a debit card rising or falling in Ghana?
Over the last ten years it is up 50.8%. The long-run trend across the full record is rising.
Where does this Ghana data come from?
The figures come from Global Findex Database, published as part of Owns a debit card (% age 15+). Statizoid updates them automatically from the source API.

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Owns a debit card in Ghana. Statizoid, drawing on Global Findex Database. Retrieved 24 September 2026, from https://reference.statizoid.com/stat/owns-a-debit-card-percent-age-15/ghana/

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About this data

Indicator
Owns a debit card (% age 15+)
Unit
% age 15+
Source
Global Findex Database
Licence
CC BY 4.0 (World Bank Open Data)
Coverage
128 places, 640 data points, 2011–2024
Last refreshed

The percentage of respondents who report having an ATM or debit card, (% age 15+)