Proportion of adults (15 years and older) out of labor force with an account at a financial institution or mobile-money-service provider (% of adults aged 15 years and older) by country
Countries reporting
113
Highest
99.6%
Finland
Lowest
7.9%
Niger
Median
63.8%
Years covered
14
2011–2024
Data points
755
What the numbers show
Proportion of adults (15 years and older) out of labor force with an account at a financial institution or mobile-money-service provider (% of adults aged 15 years and older) is currently reported for 113 countries. The highest value is 99.6% in Finland; the lowest is 7.9% in Niger.
The median across all reporting countries is 63.8%, and the mean is 61.9%.
The gap between the highest and lowest reporting country is a factor of about 13.
Over the past decade 97 countries rose and 16 fell. The largest increase was in Senegal (up 983.0%), and the largest decrease in Algeria (down 30.0%).
Proportion of adults (15 years and older) out of labor force with an: full country ranking
| # | Country | Latest | Year | 10-year change | Trend |
|---|---|---|---|---|---|
| 1 | Finland | 99.6% | 2024 | down 0.4% | flat |
| 2 | France | 99.2% | 2024 | up 7.5% | rising |
| 3 | Estonia | 99.1% | 2024 | up 4.7% | flat |
| 4 | Austria | 99.0% | 2024 | up 5.1% | flat |
| 5 | Lithuania | 98.9% | 2024 | up 79.1% | rising |
| 6 | United Kingdom of Great Britain and Northern Ireland | 98.6% | 2024 | up 1.7% | flat |
| 6 | United Kingdom of Great Britain and Northern Ireland | 98.6% | 2024 | up 1.7% | flat |
| 8 | Sweden | 98.5% | 2024 | down 0.6% | flat |
| 9 | Denmark | 98.3% | 2024 | down 1.7% | flat |
| 10 | Netherlands (Kingdom of the) | 98.2% | 2024 | down 0.9% | flat |
| 11 | Canada | 97.9% | 2024 | down 1.9% | flat |
| 12 | Slovenia | 97.9% | 2024 | up 1.0% | flat |
| 13 | Ireland | 97.8% | 2024 | up 8.7% | rising |
| 14 | Japan | 96.9% | 2024 | up 2.6% | flat |
| 15 | Mongolia | 96.9% | 2024 | up 11.1% | rising |
| 16 | Australia | 96.5% | 2024 | down 2.9% | flat |
| 17 | Korea | 96.5% | 2024 | up 6.5% | rising |
| 17 | Republic of Korea | 96.5% | 2024 | up 6.5% | rising |
| 19 | Australia and New Zealand | 96.4% | 2024 | down 3.0% | flat |
| 20 | Belgium | 95.9% | 2024 | down 1.6% | flat |
| 21 | New Zealand | 95.7% | 2024 | down 3.5% | flat |
| 22 | United States of America | 95.6% | 2024 | up 2.3% | rising |
| 23 | Latvia | 94.4% | 2024 | up 21.2% | rising |
| 24 | Malta | 93.1% | 2024 | down 1.7% | flat |
| 25 | Cyprus | 92.2% | 2024 | up 9.9% | rising |
| 26 | Iran (Islamic Republic of) | 88.2% | 2024 | up 0.9% | rising |
| 27 | Czechia | 87.9% | 2024 | up 33.9% | rising |
| 28 | Thailand | 87.5% | 2024 | up 46.9% | rising |
| 29 | India | 85.4% | 2024 | up 109.8% | rising |
| 30 | Venezuela (Bolivarian Republic of) | 85.2% | 2024 | up 124.9% | rising |
| 31 | Greece | 84.4% | 2024 | up 1.5% | rising |
| 32 | Mauritius | 83.9% | 2024 | up 12.8% | rising |
| 33 | Croatia | 83.2% | 2024 | up 8.0% | rising |
| 34 | Ukraine | 82.3% | 2024 | up 155.8% | rising |
| 35 | Malaysia | 81.9% | 2024 | up 10.4% | rising |
| 36 | Portugal | 81.7% | 2024 | up 1.7% | rising |
| 37 | Slovakia | 80.4% | 2024 | up 45.6% | rising |
| 38 | Italy | 77.8% | 2024 | down 5.4% | rising |
| 39 | Chile | 76.7% | 2024 | up 64.7% | rising |
| 40 | Sri Lanka | 76.6% | 2024 | up 2.9% | rising |
| 41 | Hungary | 76.5% | 2024 | up 37.1% | rising |
| 42 | Kazakhstan | 76.0% | 2024 | up 82.6% | rising |
| 43 | Brazil | 75.9% | 2024 | up 21.7% | rising |
| 44 | South Africa | 75.0% | 2024 | up 31.7% | rising |
| 45 | Israel | 74.5% | 2024 | down 3.2% | flat |
| 46 | Georgia | 74.2% | 2024 | up 142.1% | rising |
| 47 | North Macedonia | 73.6% | 2024 | up 28.3% | rising |
| 48 | Bulgaria | 72.9% | 2024 | up 65.7% | rising |
| 49 | Argentina | 69.2% | 2024 | up 38.6% | rising |
| 50 | Russian Federation | 69.1% | 2024 | up 44.6% | rising |
| 50 | Russian Federation | 69.1% | 2024 | up 44.6% | rising |
| 52 | Türkiye | 67.7% | 2024 | up 49.2% | rising |
| 52 | Türkiye | 67.7% | 2024 | up 49.2% | rising |
| 54 | Poland | 67.2% | 2024 | up 7.8% | rising |
| 55 | Serbia | 66.7% | 2024 | down 13.1% | rising |
| 56 | Saudi Arabia | 66.5% | 2024 | up 9.8% | rising |
| 57 | Armenia | 63.8% | 2024 | up 939.8% | volatile |
| 58 | Bosnia and Herzegovina | 61.6% | 2024 | up 52.3% | rising |
| 59 | Zambia | 60.2% | 2024 | up 146.0% | volatile |
| 60 | Uruguay | 60.1% | 2024 | up 57.3% | rising |
| 61 | Kyrgyzstan | 59.7% | 2024 | up 350.5% | volatile |
| 62 | Ghana | 58.4% | 2024 | up 75.6% | rising |
| 63 | Romania | 57.3% | 2024 | up 18.0% | rising |
| 64 | Costa Rica | 57.3% | 2024 | up 11.1% | rising |
| 65 | Nepal | 55.0% | 2024 | up 68.4% | rising |
| 66 | Uzbekistan | 53.3% | 2024 | up 46.3% | rising |
| 67 | Kosovo | 51.5% | 2024 | up 41.0% | rising |
| 68 | Senegal | 50.8% | 2024 | up 983.0% | volatile |
| 69 | Panama | 50.3% | 2024 | up 65.4% | rising |
| 70 | Togo | 47.8% | 2024 | up 423.2% | volatile |
| 71 | Botswana | 47.5% | 2024 | up 24.2% | rising |
| 72 | Indonesia | 46.3% | 2024 | up 56.7% | rising |
| 73 | Dominican Republic | 46.3% | 2024 | up 23.3% | rising |
| 74 | Uganda | 45.6% | 2024 | up 67.1% | rising |
| 75 | United Republic of Tanzania | 45.2% | 2024 | up 75.6% | rising |
| 76 | Congo | 45.1% | 2024 | up 196.7% | volatile |
| 77 | Bolivia (Plurinational State of) | 44.3% | 2024 | up 60.2% | rising |
| 78 | Mexico | 43.8% | 2024 | up 70.2% | rising |
| 79 | Philippines | 41.3% | 2024 | up 70.7% | rising |
| 80 | Tajikistan | 41.1% | 2024 | up 398.8% | volatile |
| 81 | Egypt | 41.0% | 2024 | up 392.9% | volatile |
| 82 | Nigeria | 40.9% | 2024 | up 40.9% | rising |
| 83 | Azerbaijan | 40.7% | 2024 | up 140.4% | rising |
| 84 | Burkina Faso | 40.6% | 2024 | up 569.4% | volatile |
| 85 | Viet Nam | 39.6% | 2024 | up 59.9% | rising |
| 85 | Viet Nam | 39.6% | 2024 | up 59.9% | rising |
| 87 | Zimbabwe | 38.4% | 2024 | up 49.1% | rising |
| 88 | Peru | 37.3% | 2024 | up 166.4% | rising |
| 89 | Cameroon | 37.2% | 2024 | up 928.6% | volatile |
| 90 | Colombia | 36.6% | 2024 | up 50.4% | rising |
| 91 | Jordan | 36.5% | 2024 | up 163.9% | rising |
| 92 | Malawi | 35.4% | 2024 | up 150.0% | rising |
| 93 | Benin | 34.4% | 2024 | up 310.8% | volatile |
| 94 | Mali | 34.2% | 2024 | up 365.2% | volatile |
| 95 | Bangladesh | 33.5% | 2024 | up 38.1% | rising |
| 96 | Sierra Leone | 33.1% | 2024 | up 255.5% | volatile |
| 97 | El Salvador | 29.9% | 2024 | up 34.2% | rising |
| 98 | Cambodia | 29.6% | 2024 | up 64.0% | volatile |
| 99 | Guatemala | 28.6% | 2024 | up 7.7% | rising |
| 100 | Guinea | 28.1% | 2024 | up 964.3% | volatile |
| 101 | Honduras | 26.9% | 2024 | up 11.6% | rising |
| 102 | State of Palestine | 26.8% | 2024 | up 110.2% | rising |
| 103 | Algeria | 24.2% | 2024 | down 30.0% | rising |
| 104 | Albania | 23.8% | 2024 | down 16.9% | rising |
| 105 | Madagascar | 20.7% | 2024 | up 96.0% | volatile |
| 106 | Iraq | 19.5% | 2024 | up 207.8% | rising |
| 107 | Democratic Republic of the Congo | 19.0% | 2024 | up 41.2% | rising |
| 108 | Mauritania | 16.3% | 2024 | up 58.0% | rising |
| 109 | Nicaragua | 15.5% | 2024 | up 60.4% | rising |
| 110 | Pakistan | 13.2% | 2024 | up 232.5% | volatile |
| 111 | Lebanon | 11.8% | 2024 | down 26.2% | falling |
| 112 | Chad | 10.9% | 2024 | up 50.7% | rising |
| 113 | Niger | 7.9% | 2024 | up 134.5% | volatile |
Regions and income groups
Aggregates are excluded from the country ranking above so that a region can never outrank a country.
- Northern Europe 98.5%
- Western Europe 97.7%
- Eastern Asia 96.7%
- Oceania 96.4%
- Northern America 95.9%
- United States of America 95.6%
- China, Hong Kong Special Administrative Region 94.4%
- Other non-specified areas in Eastern Asia 92.3%
- Developed regions (Europe, Cyprus, Israel, Northern America, Japan, Australia & New Zealand) 89.5%
- Europe and Northern America 88.7%
- Europe 85.9%
- Southern Europe 83.6%
- Americas 74.0%
- Southern Africa 72.3%
- Eastern Europe 70.8%
- Southern Asia 68.6%
- Central and Southern Asia 68.2%
- South America 67.1%
- World 66.6%
- Asia 65.6%
- Small island developing States (SIDS) 63.3%
- Eastern and South-Eastern Asia 62.4%
- Latin America and the Caribbean 59.0%
- Developing regions 59.0%
- Central Asia 57.4%
- Western Asia 52.7%
- South-Eastern Asia 50.5%
- Caribbean 48.9%
- Landlocked developing countries (LLDCs) 46.2%
- Eastern Africa 45.4%
- Sub-Saharan Africa 44.7%
- Northern Africa and Western Asia 43.1%
- Africa 41.4%
- Central America 40.9%
- Western Africa 39.9%
- Least Developed Countries (LDCs) 36.0%
- Northern Africa 33.7%
- Middle Africa 24.4%