Top 10 Countries for Mobile Money Accounts (Findex 2024)
Mobile money — an account accessed through a phone rather than a bank branch — is the headline story of the 2024 Global Findex wave. Among the 87 countries with data in our derived dataset, the leaders are no longer only the East African pioneers: the 2024 top 10 mixes Sub-Saharan Africa with Latin America and East Asia, and every country in it sits above 56% adult ownership.
The ranking below uses each country’s latest observation of the Findex indicator “Mobile money account (% age 15+)”. All top-10 values are from the 2024 survey wave; the 2014 column shows the same indicator a decade earlier, where available.
The top 10 at a glance
| Rank | Country | Mobile money account, % of adults (2024) | Same indicator, 2014 |
|---|---|---|---|
| 1 | Kenya | 87.5% | 58.4% |
| 2 | Ghana | 78.3% | 13.0% |
| 3 | Zambia | 69.3% | 12.1% |
| 4 | Uganda | 67.7% | 35.1% |
| 5 | Senegal | 66.9% | 6.2% |
| 6 | Mongolia | 64.0% | 5.0% |
| 7 | Gabon | 61.6% | 6.6% |
| 8 | South Korea | 60.1% | — |
| 9 | Brazil | 58.2% | 0.9% |
| 10 | Argentina | 56.7% | 0.4% |
Source: World Bank Global Findex, 2024 wave (2014 values from the 2014 wave). South Korea has a single observation (2024) in the dataset and no dedicated country page for this topic on this site.
Kenya is still the benchmark
Kenya ranks first among the 87 countries with data: 87.5% of adults had a mobile money account in 2024. That lead was not a straight line. The Kenyan series rose from 58.4% in 2014 to 72.9% in 2017, slipped to 68.7% in 2021, then jumped 18.8 percentage points to the 2024 record. At 87.5%, Kenya sits more than double the Sub-Saharan Africa average of 41% across the 36 countries in the region with data.
Six of the top 10 are in Sub-Saharan Africa
Kenya, Ghana, Zambia, Uganda, Senegal and Gabon give Sub-Saharan Africa six of the ten places — and the growth behind them is steep. Ghana went from 13.0% in 2014 to 78.3% in 2024. Zambia added 27.7 percentage points between 2021 and 2024 alone, reaching 69.3%. Senegal climbed from 6.2% in 2014 to 66.9% in 2024, a more than tenfold increase in a decade. These are not outliers in kind, only in degree: the regional average of 41% in 2024 makes Sub-Saharan Africa the global heartland of mobile money.
The newcomers: Latin America and East Asia
The more surprising entries are outside Africa. Brazil recorded 0.9% in 2014 and 58.2% in 2024, including a 31.2-percentage-point jump since 2021 — the largest 2021–2024 gain in the top 10. Argentina followed a near-identical path, from 0.4% in 2014 to 56.7% in 2024. Both now lead their region by a wide margin: the Latin America & Caribbean average is 24.5% across 17 countries with data.
In East Asia & Pacific, Mongolia reached 64.0% in 2024, up from 5.0% in 2014, ranking first among the 11 countries in its region with data. South Korea enters the dataset at 60.1% in 2024, and Singapore narrowly misses the top 10 at 56.5%.
Gender gaps persist among the leaders
High national averages do not mean equal access. In Kenya, 83.5% of women versus 91.7% of men had a mobile money account in 2024. Uganda shows a wider split: 61.7% of women against 74.6% of men. Mongolia is the exception in the top 10 where women lead — 65.6% of women versus 62.3% of men in 2024.
Sources & method
All figures are observed values from the World Bank Global Findex indicator “Mobile money account (% age 15+)”, as stored in this site’s source dataset (worldbank-findex.json, retrieved June 2026) and per-country derived datasets. Rankings compare each country’s latest observation; all top-10 values are from the 2024 survey wave. No projections appear in this article. For how we process, rank and label these series — including why survey-based Findex topics carry no 2026 projections — see our methodology.