World Bank Group · Account Ownership Among Women
Women's account ownership by country
How many women have a bank or mobile-money account?
France placed first of the 139 countries compared in 2024, at 99.848%, and Pakistan last, at 11.912%. In the middle country the figure was 71.235%. Among the 99 countries measured in every edition since 2011, the middle one moved from 41.061% to 81.062%.
Share
Women's account ownership · 2024
Context statistic
Highest of 139France
99.848%012024 · position · derived
Who leads
The three countries at the highest end of 139 compared, the three at the other end, and the first on each continent.
1Photo: Tobi 87 derivative work: Jjtkk · CC BY-SA 3.0, greyscale
2Photo: Andrus Uuetalu derivative work: Jjtkk · CC BY-SA 3.0 ee, greyscale
3Photo: Hansueli Krapf · CC BY-SA 3.0, greyscale
02Every measured country
Women's account ownership on a map
Each country is shaded by its value, in five groups holding the same number of countries. Hover a country for its value, or select it to open its profile. Below the map, each continent’s middle country.
Darker is a higher value — the better end.
- 11.912–43.587%
- 43.989–60.426%
- 60.704–80.202%
- 80.992–96.051%
- 96.751–99.848%
- No reading in 2024 (19 measured in an earlier edition)
- Europe
93.734%
the middle country, of 38 measured · 49 members
France99.848%
Albania41.156%Highest and lowest reading in Europe.
- Asia
71.489%
the middle country, of 37 measured · 52 members
Mongolia98.974%
Pakistan11.912%Highest and lowest reading in Asia.
- Americas
62.475%
the middle country, of 22 measured · 48 members
Canada98.751%
Nicaragua21.232%Highest and lowest reading in Americas.
- Africa
46.280%
the middle country, of 40 measured · 55 members
Mauritius87.443%
Niger12.203%Highest and lowest reading in Africa.
- Oceania
2 of 21 measured — too few for a middle: Australia, New Zealand.
New Zealand98.535%
Australia97.724%Highest and lowest reading in Oceania.
- Every region
19 sub-regions, highest middle country first
- Western Europe
99.030%
the middle country, of 6 measured · 9 members
France99.848%
Switzerland97.613%Highest and lowest reading in Western Europe.
- Northern Europe
98.255%
the middle country, of 10 measured · 13 members
Estonia99.766%
Latvia95.406%Highest and lowest reading in Northern Europe.
- Eastern Asia
97.140%
the middle country, of 5 measured · 8 members
Mongolia98.974%
China89.202%Highest and lowest reading in Eastern Asia.
- Eastern Europe
83.886%
the middle country, of 9 measured · 10 members
Slovakia91.094%
Moldova54.548%Highest and lowest reading in Eastern Europe.
- Southern Europe
81.062%
the middle country, of 13 measured · 17 members
Slovenia98.943%Albania41.156%Highest and lowest reading in Southern Europe.
- Southern Asia
69.990%
the middle country, of 6 measured · 9 members
India89.248%Pakistan11.912%Highest and lowest reading in Southern Asia.
- Western Asia
69.739%
the middle country, of 14 measured · 19 members
Cyprus98.031%
Lebanon15.340%Highest and lowest reading in Western Asia.
- South America
68.399%
the middle country, of 10 measured · 12 members
Venezuela87.703%
Colombia50.992%Highest and lowest reading in South America.
- Southern Africa
65.351%
the middle country, of 5 measured · 5 members
South Africa80.992%
Botswana59.687%Highest and lowest reading in Southern Africa.
- South-eastern Asia
63.958%
the middle country, of 8 measured · 11 members
Singapore97.608%
Cambodia36.799%Highest and lowest reading in South-eastern Asia.
- Middle Africa
50.592%
the middle country, of 5 measured · 9 members
Gabon63.721%
Chad20.140%Highest and lowest reading in Middle Africa.
- Eastern Africa
46.994%
the middle country, of 11 measured · 19 members
Mauritius87.443%
Madagascar20.297%Highest and lowest reading in Eastern Africa.
- Western Africa
45.477%
the middle country, of 14 measured · 16 members
Ghana78.310%Niger12.203%Highest and lowest reading in Western Africa.
- Central America
40.919%
the middle country, of 8 measured · 8 members
Costa Rica68.283%Nicaragua21.232%Highest and lowest reading in Central America.
- Northern Africa
26.607%
the middle country, of 5 measured · 6 members
Egypt40.214%
Algeria18.071%Highest and lowest reading in Northern Africa.
- Australia and New Zealand
2 of 2 measured — too few for a middle: Australia, New Zealand.
New Zealand98.535%Australia97.724%Highest and lowest reading in Australia and New Zealand.
- Caribbean
2 of 24 measured — too few for a middle: Dominican Republic, Trinidad and Tobago.
Trinidad and Tobago73.293%
Dominican Republic61.438%Highest and lowest reading in Caribbean.
- Central Asia
4 of 5 measured — too few for a middle: Kazakhstan, Kyrgyzstan, Tajikistan, Uzbekistan.
Kazakhstan85.742%
Tajikistan46.901%Highest and lowest reading in Central Asia.
- Northern America
2 of 4 measured — too few for a middle: Canada, United States.
Canada98.751%
United States97.109%Highest and lowest reading in Northern America.
03The whole field at once
The spread
139 countries, one dot each, on one scale — further right is a higher value. Half the countries are above 71.235%; a quarter are above 88.714%, and a quarter below 46.590%. The bar in each row marks that continent’s middle country.
04All 158 ever measured
Every country
In order, highest value first. “=” marks a position shared with another country. World Bank Group ranks nobody on this measure; the position is derived here by ordering the published values. The order is almost the same as for adults as a whole: countries where most people have accounts are countries where most women do. The gap is the part this statistic adds, and it runs both ways — in some economies women are ahead of men. The Findex publishes the two rates; the difference between them is worked out here.
Showing 25 of 158 countries
Values for 2024. The change column compares 2024 with 2021 only; the sparkline covers the recent editions.
052011–2024 · 5 editions
Over time
Each point is one survey wave — 2011, 2014, 2017, 2021 and 2024 — so a move between two points is a move between two surveys, years apart.
- the middle country
- the middle half of countries
- the middle of the 99 countries measured every time
- each continent’s middle country
The same, year by year
| Year | Countries | Middle country | Middle half | Measured every time |
|---|---|---|---|---|
| 2024 | 139 | 71.235% | 46.590% – 88.714% | 81.062% |
| 2021 | 120 | 71.132% | 44.274% – 93.584% | 79.905% |
| 2017 | 143 | 54.143% | 33.670% – 82.915% | 69.990% |
| 2014 | 135 | 51.686% | 28.331% – 83.134% | 60.240% |
| 2011 | 126 | 39.193% | 20.574% – 77.370% | 41.061% |
062021 → 2024
Who rose and fell
The biggest changes in value between the two newest editions. Places are shown second, because they also move when other countries do.
Improved most
before → after
Kyrgyzstan43.756% → 71.235% · 93rd → 70th+27.479
Zambia44.984% → 70.172% · 89th → 71st+25.188
Senegal50.295% → 73.594% · 80th → 63rd+23.299
Uzbekistan38.818% → 60.704% · 99th → 83rd+21.886
Nigeria34.964% → 52.216% · 104th → 98th+17.252
Declined most
before → after
Italy97.092% → 79.795% · 25th → 57th−17.297- Algeria31.192% → 18.071% · 108th → 136th−13.121
Russia90.112% → 77.267% · 38th → 59th−12.844
Bangladesh43.457% → 33.346% · 94th → 125th−10.111
Bolivia63.290% → 53.464% · 67th → 96th−9.826
117 countries were measured in both 2021 and 2024. The field changed from 120 to 139 countries, so a place can move for reasons that have nothing to do with the country itself.
07Across every edition
Women's account ownership in records
The extremes of the statistic. A record reached by more than one country names none of them.
Highest reading on record
Reached 14 times by 9 countries — shared, so no holder is named
100.000%
Women with an account (% of women aged 15+)
Lowest reading on record
2.954%
Women with an account (% of women aged 15+)
Biggest improvement between editions
+45.917
15.233% → 61.150%
Biggest decline between editions
−17.297
97.092% → 79.795%
Most improved since first measured
+62.758
26.491% → 89.248%
08By sex
Inside the number
World Bank Group also publishes separate female and male readings. The gap between them, where both exist.
Of the 139 countries with both readings, the women with an account reading is higher in 27, the men with an account reading in 112. The widest gaps each way:
09The measure
About women's account ownership
This is the share of women who have an account at a bank or other financial institution, or who used a mobile-money service in the past year — financial inclusion measured for women, from the World Bank's Global Findex survey. The men's rate is stored beside it, so the gap between the two can be read directly.
What the number is: Women with an account (% of women aged 15+).
10Where it fits
Connections
Its part in the Country Index, the statistics whose values line up most closely with it across countries, and others on the same subject.
In the Country Index
Context, with no vote
This statistic is published in full under Gender & Equality and Money & Public Finance, but does not help decide any Country Index standing.
Gender & EqualityMoney & Public FinanceWhich statistics vote, and why
Moves with
Where women's account ownership is higher, these tend to be higher too.
- Account Ownership at a Financial InstitutionKeyWorld Bank Group · 139 countries in commonρ 0.99
- Made or Received a Digital PaymentWorld Bank Group · 98 countries in commonρ 0.91
- Women's Empowerment IndexUNDP Human Development Report Office and UN Women · 105 countries in commonρ 0.85
Moves against
Where women's account ownership is higher, these tend to be lower.
- Average Household SizeUN DESA Population Division · 105 countries in commonρ −0.83
- Learning PovertyWorld Bank Group and UNESCO Institute for Statistics · 102 countries in commonρ −0.81
- Stillbirth RateUN IGME · 138 countries in commonρ −0.78
Rank correlation (ρ, from −1 to 1) across countries, on each statistic’s newest edition, out of 354 statistics sharing at least 80 countries with this one. Two statistics that move together do not cause each other.
11Keep reading
Explore further
The subject
More from World Bank Group
- Able to Raise Emergency Funds Within 30 Days
- Access to Electricity
- Access to Electricity, Rural
- Account Ownership at a Financial Institution
- Actual Individual Consumption per Capita (PPP)
- Adequacy of Social Protection and Labour Benefits
- Adjusted Net Savings
- Adults Who Experienced a Natural Disaster or Severe Weather
- All statistics
12Questions
Women's account ownership: questions and answers
Which country has the highest women's account ownership?
France, at 99.848%, among the 139 countries compared in 2024.
Which country has the lowest women's account ownership?
Pakistan, at 11.912%, among the 139 countries compared in 2024.
How many countries does the Account Ownership Among Women cover?
139 in 2024, and 158 at least once across all editions. The number measured varies from 120 to 143 between editions.
What is the world average women's account ownership?
This site does not calculate a world average, which would depend on how countries are weighted. In the middle country of the 139 compared in 2024, the figure was 71.235%.
Is this World Bank Group’s own ranking?
No. World Bank Group publishes the values but ranks nobody; the position on this page is derived by Nations Inquiry by ordering the published values, and equal values share a position.
How often is the Account Ownership Among Women published?
This site holds 5 editions, describing 2011 to 2024.
Where does the data come from, and can I download it?
From World Bank Group, under CC BY 4.0. The World Bank's Global Findex Database, through its indicator API: the women's rate (account.t.d.1) with the men's rate (account.t.d.2) beside it. A 2022 row covering a handful of economies between survey waves is skipped. Every edition is on this site’s Datasets pages as a full table, and downloads as a CSV file with every value unrounded.
13Method
Sources, method and citation
Source
Account Ownership Among Women — World Bank Group
The World Bank's Global Findex Database, through its indicator API: the women's rate (account.t.d.1) with the men's rate (account.t.d.2) beside it. A 2022 row covering a handful of economies between survey waves is skipped.
Newest edition
Report year 2024Data year 2024
Cite the source as: World Bank. The Global Findex Database. Washington, DC: World Bank Group.
Licence: CC BY 4.0, checked 2026-09-29.
How this page reads the numbers
- World Bank Group ranks nobody on this measure. The position is derived by Nations Inquiry by ordering the published values; equal values share a position.
- Which end is better follows the publisher’s own reading of the measure.
- A country is named at an end only when it holds that value alone. Where several share it, the page says how many and names none first.
- Values are stored exactly as published and trimmed only for display. “The middle country” is the median of the countries measured, not a world average.
The file itself, column by column — where it came from, what each column holds, and every edition as a CSV — is on its dataset page.
Photographs
The countries at the top of this statistic, from their profiles: Wikimedia Commons, shown in greyscale, each used under the licence named.
- France — Tobi 87 derivative work: Jjtkk, CC BY-SA 3.0
- Estonia — Andrus Uuetalu derivative work: Jjtkk, CC BY-SA 3.0 ee
- Iceland — Hansueli Krapf, CC BY-SA 3.0
Cite this page
Nations Inquiry (2026). Women's account ownership by country: Account Ownership Among Women, data from World Bank Group. https://nationsinquiry.com/statistics/account-ownership-women