Credit Card Usage Statistics in Estonia (2026)
In 2021, 24.2% of adults in Estonia used a credit card, according to World Bank Global Findex data. Up from 23% in 2017 to 24.2% in 2021 (+1.2 percentage points). Estonia ranks #22 of 46 economies in Europe & Central Asia on this measure, and #37 of 142 globally.
Key Statistics
- Latest value (2021)
- 24.2% (2021)
- Credit Card Usage in Estonia as of 2021, the most recent observation in World Bank Global Findex data.
- Change since 2017
- +1.2 pp (2021)
- Up from 23% in 2017 to 24.2% in 2021 (+1.2 percentage points).
- Earliest value in this dataset (2014)
- 24.3% (2014)
- Earliest observation in this dataset, which covers 1990 onward (the source series may begin earlier). Down from 24.3% in 2014 to 24.2% in 2021.
- Peak value (2014)
- 24.3% (2014)
- Highest value in the available series; the 2021 value is 24.2%.
- Rank in Europe & Central Asia
- #22 of 46 (2021)
- Estonia ranks 22 of 46 countries in Europe & Central Asia with data, based on each country's latest value.
- Global rank
- #37 of 142 (2021)
- Estonia ranks 37 of 142 countries with data globally.
- Europe & Central Asia average
- 26.3% (2021)
- Estonia (24.2%) is below the average of 26.3% across the 46 countries in Europe & Central Asia with data.
- Owns a credit card (% age 15+) (2021)
- 34.9% (2021)
- Related indicator from World Bank Global Findex.
- 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, 2014–2021
| Year | % of adults (age 15+) | Change |
|---|---|---|
| 2021 | 24.2% | +1.2 pp |
| 2017 | 23% | −1.3 pp |
| 2014 | 24.3% | — |
Frequently asked questions
What share of adults in Estonia used a credit card?
24.2% of adults in Estonia used a credit card in 2021, according to World Bank Global Findex data.
When did credit card usage in Estonia peak?
The highest value in the available series was 24.3% in 2014; the latest (2021) value is 24.2%.
How recent is the credit card usage data for Estonia?
The most recent observation is from 2021. World Bank Global Findex data is reported with a lag, so 2021 is the latest available year for Estonia.
Where does the credit card usage data for Estonia come from?
The data comes from the World Bank Global Findex (indicator fin22g). The latest observation for Estonia is from 2021; the snapshot was retrieved on 2026-06-10.
Source & methodology
Source: World Bank Global Findex, indicator
fin22g, 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 .