Digital Payment Adoption Statistics in Estonia (2026)
According to World Bank Global Findex data, 98.7% of adults in Estonia made or received a digital payment in 2021. Up from 96.8% in 2017 to 98.7% in 2021 (+1.9 percentage points). Estonia ranks #9 of 46 economies in Europe & Central Asia on this measure, and #10 of 142 globally.
Key Statistics
- Latest value (2021)
- 98.7% (2021)
- Digital Payment Adoption in Estonia as of 2021, the most recent observation in World Bank Global Findex data.
- Change since 2017
- +1.9 pp (2021)
- Up from 96.8% in 2017 to 98.7% in 2021 (+1.9 percentage points).
- Earliest value in this dataset (2014)
- 96.1% (2014)
- Earliest observation in this dataset, which covers 1990 onward (the source series may begin earlier). Up from 96.1% in 2014 to 98.7% in 2021.
- Record high (2021)
- 98.7% (2021)
- The 2021 value is the highest in the available World Bank Global Findex series for Estonia.
- Rank in Europe & Central Asia
- #9 of 46 (2021)
- Estonia ranks 9 of 46 countries in Europe & Central Asia with data, based on each country's latest value.
- Global rank
- #10 of 142 (2021)
- Estonia ranks 10 of 142 countries with data globally.
- Europe & Central Asia average
- 82.7% (2021)
- Estonia (98.7%) is above the average of 82.7% across the 46 countries in Europe & Central Asia with data.
- Among women (2021)
- 99.4% (2021)
- Value for women in Estonia, same 2021 World Bank Global Findex data.
- Among men (2021)
- 97.8% (2021)
- Value for men in Estonia, same 2021 World Bank Global Findex data.
- Gender gap (women minus men)
- +1.6 pp (2021)
- In 2021, the figure was 99.4% for women and 97.8% for men — 1.6 percentage points higher among women.
- Among the poorest 40% (2021)
- 97.8% (2021)
- Value for adults in the poorest 40% of households in Estonia in 2021.
- Poorest-40% gap vs national
- −0.8 pp (2021)
- The poorest 40% (97.8%) are 0.8 percentage points below the national figure (98.7%).
- Made a digital payment (% age 15+) (2021)
- 97.7% (2021)
- Related indicator from World Bank Global Findex.
- Received digital payments (% age 15+) (2021)
- 93% (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 | 98.7% | +1.9 pp |
| 2017 | 96.8% | +0.6 pp |
| 2014 | 96.1% | — |
Frequently asked questions
What share of adults in Estonia made or received a digital payment?
98.7% of adults in Estonia made or received a digital payment in 2021, according to World Bank Global Findex data.
Is there a gender gap in digital payment adoption in Estonia?
Yes — in 2021 the figure was 99.4% for women and 97.8% for men, a gap of 1.6 percentage points in favor of women.
How recent is the digital payment adoption 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 digital payment adoption data for Estonia come from?
The data comes from the World Bank Global Findex (indicator g20.any). The latest observation for Estonia is from 2021; the snapshot was retrieved on 2026-06-10.
Source & methodology
Source: World Bank Global Findex, indicator
g20.any, 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 .