Online Bill Payments Statistics in Estonia (2026)

In 2021, 85.3% of adults in Estonia paid bills online or from a mobile phone, according to World Bank Global Findex data. Up from 71.8% in 2017 to 85.3% in 2021 (+13.6 percentage points). Estonia ranks #3 of 46 economies in Europe & Central Asia on this measure, and #3 of 142 globally.

Key Statistics

Latest value (2021): 85.3% (2021); Online Bill Payments in Estonia as of 2021, the most recent observation in World Bank Global Findex data.
Change since 2017: +13.6 pp (2021); Up from 71.8% in 2017 to 85.3% in 2021 (+13.6 percentage points).
Record high (2021): 85.3% (2021); The 2021 value is the highest in the available World Bank Global Findex series for Estonia.
Rank in Europe & Central Asia: #3 of 46 (2021); Estonia ranks 3 of 46 countries in Europe & Central Asia with data, based on each country's latest value.
Global rank: #3 of 142 (2021); Estonia ranks 3 of 142 countries with data globally.
Europe & Central Asia average: 50.1% (2021); Estonia (85.3%) is above the average of 50.1% across the 46 countries in Europe & Central Asia with data.
Among women (2021): 90.2% (2021); Value for women in Estonia, same 2021 World Bank Global Findex data.
Among men (2021): 79.8% (2021); Value for men in Estonia, same 2021 World Bank Global Findex data.
Gender gap (women minus men): +10.4 pp (2021); In 2021, the figure was 90.2% for women and 79.8% for men — 10.4 percentage points higher among women.
Among the poorest 40% (2021): 81.1% (2021); Value for adults in the poorest 40% of households in Estonia in 2021.
Poorest-40% gap vs national: −4.2 pp (2021); The poorest 40% (81.1%) are 4.2 percentage points below the national figure (85.3%).
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, 2017–2021

Online Bill Payments in Estonia by year (% of adults (age 15+))
Year	% of adults (age 15+)	Change
2021	85.3%	+13.6 pp
2017	71.8%	—

Frequently asked questions

What share of adults in Estonia paid bills online or from a mobile phone?

85.3% of adults in Estonia paid bills online or from a mobile phone in 2021, according to World Bank Global Findex data.

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

Estonia ranks 3 of 46 countries in Europe & Central Asia with data, with 85.3% versus a regional average of 50.1% (latest values per country).

Where does Estonia rank globally on online bill payments?

Estonia ranks 3 of 142 countries with data globally, based on the latest World Bank Global Findex value for each country.

Is there a gender gap in online bill payments in Estonia?

Yes — in 2021 the figure was 90.2% for women and 79.8% for men, a gap of 10.4 percentage points in favor of women.

How recent is the online bill payments 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.

Source & methodology

Source: World Bank Global Findex, indicator fin26a, 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.