Formal Savings Statistics in Croatia (2026)

45.8% of adults in Croatia saved at a formal financial institution in 2024, World Bank Global Findex data show. Up from 25.2% in 2021 to 45.8% in 2024 (+20.5 percentage points). Croatia ranks #22 of 46 economies in Europe & Central Asia on this measure, and #34 of 142 globally.

Key Statistics

Latest value (2024): 45.8% (2024); Formal Savings in Croatia as of 2024, the most recent observation in World Bank Global Findex data.
Change since 2021: +20.5 pp (2024); Up from 25.2% in 2021 to 45.8% in 2024 (+20.5 percentage points).
Earliest value in this dataset (2011): 12.2% (2011); Earliest observation in this dataset, which covers 1990 onward (the source series may begin earlier). Up from 12.2% in 2011 to 45.8% in 2024.
Record high (2024): 45.8% (2024); The 2024 value is the highest in the available World Bank Global Findex series for Croatia.
Rank in Europe & Central Asia: #22 of 46 (2024); Croatia ranks 22 of 46 countries in Europe & Central Asia with data, based on each country's latest value.
Global rank: #34 of 142 (2024); Croatia ranks 34 of 142 countries with data globally.
Europe & Central Asia average: 40.6% (2024); Croatia (45.8%) is above the average of 40.6% across the 46 countries in Europe & Central Asia with data.
Among women (2024): 42.1% (2024); Value for women in Croatia, same 2024 World Bank Global Findex data.
Among men (2024): 49.9% (2024); Value for men in Croatia, same 2024 World Bank Global Findex data.
Gender gap (women minus men): −7.8 pp (2024); In 2024, the figure was 42.1% for women and 49.9% for men — 7.8 percentage points lower among women.
In rural areas (2024): 45.4% (2024); Value for rural residents of Croatia in 2024.
Rural gap vs national: −0.3 pp (2024); Rural residents (45.4%) are 0.3 percentage points below the national figure (45.8%).
Among the poorest 40% (2024): 44.9% (2024); Value for adults in the poorest 40% of households in Croatia in 2024.
Poorest-40% gap vs national: −0.9 pp (2024); The poorest 40% (44.9%) are 0.9 percentage points below the national figure (45.8%).
Internet use in Croatia (2024): 83.6% (2024); 83.6% of the population in Croatia used the internet in 2024 (World Bank); shown for context only.
Population (2024): 3.9 million (2024); Croatia had a population of 3.9 million in 2024 (World Bank); shown for scale only.

Trend, 2011–2024

Formal Savings in Croatia by year (% of adults (age 15+))
Year	% of adults (age 15+)	Change
2024	45.8%	+20.5 pp
2021	25.2%	−10.6 pp
2017	35.8%	+8.5 pp
2014	27.3%	+15.1 pp
2011	12.2%	—

Fig. 1 — Formal Savings in Croatia, 2011–2024

Frequently asked questions

What share of adults in Croatia saved at a formal financial institution?

45.8% of adults in Croatia saved at a formal financial institution in 2024, according to World Bank Global Findex data.

How recent is the formal savings data for Croatia?

The most recent observation is from 2024. World Bank Global Findex data is reported with a lag, so 2024 is the latest available year for Croatia.

Where does the formal savings data for Croatia come from?

The data comes from the World Bank Global Findex (indicator fin17a). The latest observation for Croatia is from 2024; the snapshot was retrieved on 2026-06-10.

How has formal savings in Croatia changed over time?

World Bank Global Findex data show a rise from 12.2% in 2011 to 45.8% in 2024.

How does Croatia compare with other countries in Europe & Central Asia?

Croatia ranks 22 of 46 countries in Europe & Central Asia with data, with 45.8% versus a regional average of 40.6% (latest values per country).

Source & methodology

Source: World Bank Global Findex, indicator fin17a, retrieved 2026-06-10.

Figures are shown exactly as published in the source dataset; only the change column of the trend table is computed from adjacent published values.Read more on the methodology page. All figures are estimates and projections; this is not financial advice.

Last updated 2026-06-10.