Account Ownership Statistics in Estonia (2026)
98.9% of adults in Estonia had an account at a financial institution or mobile money provider in 2024, World Bank Global Findex data show. Down from 99.4% in 2021 to 98.9% in 2024 (−0.5 percentage points). Estonia ranks #8 of 46 economies in Europe & Central Asia on this measure, and #8 of 145 globally.
Key Statistics
- Latest value (2024)
- 98.9% (2024)
- Account Ownership in Estonia as of 2024, the most recent observation in World Bank Global Findex data.
- Change since 2021
- −0.5 pp (2024)
- Down from 99.4% in 2021 to 98.9% in 2024 (−0.5 percentage points).
- Earliest value in this dataset (2011)
- 96.8% (2011)
- Earliest observation in this dataset, which covers 1990 onward (the source series may begin earlier). Up from 96.8% in 2011 to 98.9% in 2024.
- Peak value (2021)
- 99.4% (2021)
- Highest value in the available series; the 2024 value is 98.9%.
- Rank in Europe & Central Asia
- #8 of 46 (2024)
- Estonia ranks 8 of 46 countries in Europe & Central Asia with data, based on each country's latest value.
- Global rank
- #8 of 145 (2024)
- Estonia ranks 8 of 145 countries with data globally.
- Europe & Central Asia average
- 86.1% (2024)
- Estonia (98.9%) is above the average of 86.1% across the 46 countries in Europe & Central Asia with data.
- Among women (2024)
- 99.8% (2024)
- Value for women in Estonia, same 2024 World Bank Global Findex data.
- Among men (2024)
- 97.9% (2024)
- Value for men in Estonia, same 2024 World Bank Global Findex data.
- Gender gap (women minus men)
- +1.8 pp (2024)
- In 2024, the figure was 99.8% for women and 97.9% for men — 1.8 percentage points higher among women.
- In rural areas (2024)
- 98.5% (2024)
- Value for rural residents of Estonia in 2024.
- Rural gap vs national
- −0.4 pp (2024)
- Rural residents (98.5%) are 0.4 percentage points below the national figure (98.9%).
- Among the poorest 40% (2024)
- 98% (2024)
- Value for adults in the poorest 40% of households in Estonia in 2024.
- Poorest-40% gap vs national
- −0.9 pp (2024)
- The poorest 40% (98%) are 0.9 percentage points below the national figure (98.9%).
- Internet use in Estonia (2024)
- 92.2% (2024)
- 92.2% of the population in Estonia used the internet in 2024 (World Bank); shown for context only.
- Population (2024)
- 1.4 million (2024)
- Estonia had a population of 1.4 million in 2024 (World Bank); shown for scale only.
Trend, 2011–2024
| Year | % of adults (age 15+) | Change |
|---|---|---|
| 2024 | 98.9% | −0.5 pp |
| 2021 | 99.4% | +1.4 pp |
| 2017 | 98% | +0.3 pp |
| 2014 | 97.7% | +0.8 pp |
| 2011 | 96.8% | — |
Frequently asked questions
What share of adults in Estonia had an account at a financial institution or mobile money provider?
98.9% of adults in Estonia had an account at a financial institution or mobile money provider in 2024, according to World Bank Global Findex data.
Where does the account ownership data for Estonia come from?
The data comes from the World Bank Global Findex (indicator account.t.d). The latest observation for Estonia is from 2024; the snapshot was retrieved on 2026-06-10.
How has account ownership in Estonia changed over time?
World Bank Global Findex data show a rise from 96.8% in 2011 to 98.9% in 2024.
Source & methodology
Source: World Bank Global Findex, indicator
account.t.d, retrieved .
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 .