Ranking
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The percentage of respondents who report using their accounts at a formal financial institution to receive money or payments for work or from selling goods in the past 12 months (% age 15+).
As of 2021, Iceland ranks first with 75.17%, followed by Estonia (69.53%) and Sweden (67.43%).
Across 118 countries and territories, values run from 75.17% (Iceland) to 1.69% (Sierra Leone), with a median of 20.72%.
By region, the top 10 is made up of 6 from Europe, 2 from Asia and 2 from Oceania.
Source: World Bank Open Data — Account used to receive wages (% age 15+), 2021. Unit: %.
Source: World Bank Open Data — Account used to receive wages (% age 15+) · CC BY 4.0 · fetched Oct 17, 2026