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Population Age15 With A Mobile Money Account (2022-21)

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Click on a country for details.

Mobile Banking Usage by Country 2024

Mobile money services are a convenient way to manage personal finances without a traditional bank account. Internationally, the Far East Region, including China, has the highest number of mobile money service users. More than 805 million people in that region, age 15 and older, use mobile services.

Countries in the Far East also tend to have a high percentage of their residents who use mobile money services. Sixty percent of the population of Thailand, age 15 and older, have a mobile account, and 27.9 percent of them say they can use the account without assistance. Thailand is a well-banked country, with more than 95 percent of its residents using either mobile services or a traditional bank. In Mongolia, 58.8 percent of the population have mobile accounts, and 15.7 percent use these accounts without help. In both Thailand and Mongolia, the percentage of residents using mobile money services has dramatically increased in the past five years.

Several African countries also have a high percentage of residents who use mobile money services. In many African countries, mobile service users are also a high percentage of those who use any type of financial institution. For example, 68.7 percent of residents in Kenya use mobile money services. Only 79 percent of residents use any financial services, meaning most people who bank in Kenya do so through mobile services. In Uganda, 53.8 percent use mobile services out of the 66 percent who use any financial services. In Zambia, 41.6 percent use mobile services, while only 48.52 percent use any financial services.

Some African countries are exceptions, however. For example, only 8.7 percent use mobile banking in Nigeria, and 5.4 percent use it in Niger. Financial services participation is 45.32 percent in Nigeria but only 11.69 percent in Niger.

Middle Eastern countries tend to have a low usage of mobile money services. For example, no one, or such a small number as to be negligible, uses it in Israel, Saudi Arabia, or Syria. Israel has a high percentage (93) who use traditional banking services.

Usage in Central and South American countries is mixed. About 35 percent of residents use mobile services in Argentina, and about 27 percent use them in Brazil. No one, or almost no one, uses mobile services in Panama.

Many European countries have no mobile service users, although all or nearly all residents use more traditional financial services.

Notes:
- Mobile banking "participant" percentages are pulled from the World Bank Findex Database and indicate the percentage of a country's residents aged 15+ who either have an account at a bank or another type of financial institution or report personally using a mobile money service in the past 12 months. Therefore, "Participant" totals include both individuals who do participate in mobile banking and also those who have an account at a bank but do not use a mobile device to make banking transactions.

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Country
Banking Participants
Data Year
Population Age15 With A Mobile Money Account (2017)
Population Age15 Who Can Use A Mobile Money Account Unassisted
Population Age15 With A Mobile Money Account (2022-21)
Kenya79.2%202172.9%57.6%68.7%
Thailand95.58%20218.3%27.9%60%
Ghana68.23%202139%46.5%59.7%
Mongolia98.46%202121.9%15.7%58.8%
Gabon66.09%202143.6%50.3%57.5%
Eswatini66.18%2022 46%56.7%
Uganda65.91%202150.6%42.4%53.8%
Zimbabwe59.75%202148.6%37%50.6%
Lesotho63.63%202227.6%32.7%45.9%
Senegal55.96%202131.8%29.5%44.9%
Tanzania52.43%202138.5%28.7%44.6%
Namibia71.35%202143.4%28.2%42.6%
Cameroon51.65%202115.1%36.3%42.4%
Zambia48.52%202127.8%29.3%41.6%
Ivory Coast50.76%202134.1%30.5%40.4%
Paraguay54.42%202128.9%24.7%37.7%
Republic of the Congo47.14%20216.2%28.1%36.8%
Benin48.61%202118.1%25.1%36.7%
South Africa85.38%202119%20.8%36.6%
Botswana58.76%202224.4%26.5%36.6%
Togo49.61%202121.5%24.3%36.5%
Liberia51.63%202120.8%19.3%36.3%
Argentina71.63%20212.4%29.6%35.1%
Malawi42.71%202120.3%18.6%34.4%
Russia89.72%2021 10.9%32.9%
Singapore97.55%20219.6%21.8%30.6%
Venezuela84.39%202111%13.4%30.3%
Mozambique49.49%202121.9%20.1%29.4%
Mali43.5%202124.4%13.2%29.4%
Bangladesh52.81%202121.3%15%29%
Myanmar47.79%20210.7%20%29%
Malaysia88.37%202110.9%13.6%28%
Brazil84.04%20214.8%16.4%27%
Burkina Faso36.11%202133%13.1%24.7%
DR Congo27.44%202216.1%15.6%22.7%
Colombia59.72%20214.7%15.4%21.8%
Philippines51.37%20214.5%14.3%21.7%
Guinea30.44%202113.8%13.9%21.5%
Madagascar26.3%202212.1%12.1%19%
Sierra Leone28.85%202111%8.1%19%
Turkey74.09%202116.4%9.4%18.3%
Armenia55.35%20219.8%12.9%16.7%
Vietnam56.27%20223.5%9.3%16.5%
Mauritius90.53%20215.6%9.9%15.9%
Peru57.5%20212.6%7.5%14.3%
United Arab Emirates85.74%202121.3%6.4%13.3%
Bolivia68.89%20217.1%7.7%13%
Jamaica73.3%2021 9.7%12.7%
Iran89.98%202126.3%8.5%12.4%
Chad23.65%202215.2%6.3%12.1%
Kyrgyzstan45.09%20213.1%8.5%11.4%
El Salvador35.85%20213.6%3%10.9%
Jordan47.12%20211.1%6.5%10.7%
India77.53%20212%5.9%10.4%
Mauritania23.46%20224%1.7%10.2%
Indonesia51.76%20213.1% 9.3%
Honduras37.85%20216.2% 8.9%
Nigeria45.32%20215.6% 8.7%
Pakistan20.98%20216.9% 8.5%
Georgia70.5%20212.2% 8.2%
Comoros34.25%2022 7.7%
Dominican Republic51.3%20213.9% 7.6%
Cambodia33.39%20215.7% 6.6%
Nicaragua26.03%20213.9% 6.6%
Morocco44.37%20210.6% 6.3%
Nepal54%2021 6.1%
Laos37.32%2021 5.5%
Niger11.69%20228.7% 5.4%
Guatemala36.98%20222.1% 5.2%
Iraq18.57%20214.2% 4.8%
Ethiopia46.48%20220.3% 4.6%
Gambia33.01%2022 3.8%
Tunisia36.85%20212% 3.7%
Sri Lanka89.27%20212.4% 3.1%
Egypt27.44%20211.8% 2.9%
Palestine33.64%2021 2.3%
Tajikistan39.49%2021 2.1%
South Sudan5.83%2021 0.9%
Afghanistan9.65%20210.9%
China88.71%2021
United States94.95%2021
Mexico48.97%20225.6%12.1%
Japan98.49%2021
Germany99.98%2021
United Kingdom99.76%2021
France99.24%2021
Italy97.29%2021
South Korea98.67%2021
Sudan15.27%2014
Spain98.3%2021
Algeria44.1%2021
Poland95.72%2021
Canada99.63%2021
Ukraine83.56%2021
Angola29.32%2014
Saudi Arabia74.32%2021
Uzbekistan44.13%2021
Yemen11.9%2022
Australia99.32%2021
Syria23.25%2011
Kazakhstan81.11%2021
Chile87.06%202118.7%
Romania69.12%20213%
Somalia38.66%2014
Ecuador64.18%20212.9%
Netherlands99.73%2021
Rwanda50.02%201731.1%
Burundi7.11%2014
Haiti32.62%201713.5%
Belgium99.01%2021
Sweden99.69%2021
Czech Republic94.94%2021
Azerbaijan46.26%2022
Greece94.88%2021
Portugal92.65%2021
Hungary88.22%2021
Belarus81.16%2017
Israel92.93%2021
Austria99.95%2021
Switzerland99.49%2021
Hong Kong97.8%2021
Serbia89.42%2021
Libya65.67%2017
Bulgaria83.97%2021
Turkmenistan40.58%2017
Denmark100%2021
Central African Republic13.75%2017
Slovakia95.62%2021
Finland99.53%2021
Norway99.48%2021
New Zealand98.75%2021
Costa Rica68.49%2021
Lebanon20.7%2021
Ireland99.66%2021
Oman73.6%2011
Panama44.97%20213.5%
Kuwait79.84%2017
Croatia91.8%2021
Uruguay74.13%2021
Moldova64.25%2021
Puerto Rico69.74%2014
Bosnia and Herzegovina79.34%2021
Albania44.17%20212.4%
Qatar65.88%2011
Lithuania93.53%2021
Slovenia99.05%2021
North Macedonia85.29%2021
Latvia96.62%2021
Trinidad and Tobago80.78%2017
Bahrain82.61%2017
Estonia99.38%2021
Cyprus93.13%2021
Djibouti12.27%2011
Bhutan33.67%2014
Luxembourg98.77%2017
Montenegro68.36%2017
Malta96.45%2021
Maldives79.55%201723.3%
Belize48.21%2014
Iceland100%2021
showing: 160 rows

Which country uses mobile banking the most?

The regions of the far east and China have the highest number of online banking users. This region has over 805 million online banking users.

Frequently Asked Questions

Sources