Formal Savings Statistics in Germany (2026)
57.1% of adults in Germany saved at a formal financial institution in 2021, World Bank Global Findex data show. Up from 55.4% in 2017 to 57.1% in 2021 (+1.8 percentage points). Germany ranks #13 of 46 economies in Europe & Central Asia on this measure, and #23 of 142 globally.
Key Statistics
- Latest value (2021)
- 57.1% (2021)
- Formal Savings in Germany as of 2021, the most recent observation in World Bank Global Findex data.
- Change since 2017
- +1.8 pp (2021)
- Up from 55.4% in 2017 to 57.1% in 2021 (+1.8 percentage points).
- Earliest value in this dataset (2011)
- 55.9% (2011)
- Earliest observation in this dataset, which covers 1990 onward (the source series may begin earlier). Up from 55.9% in 2011 to 57.1% in 2021.
- Peak value (2014)
- 57.9% (2014)
- Highest value in the available series; the 2021 value is 57.1%.
- Rank in Europe & Central Asia
- #13 of 46 (2021)
- Germany ranks 13 of 46 countries in Europe & Central Asia with data, based on each country's latest value.
- Global rank
- #23 of 142 (2021)
- Germany ranks 23 of 142 countries with data globally.
- Europe & Central Asia average
- 40.6% (2021)
- Germany (57.1%) is above the average of 40.6% across the 46 countries in Europe & Central Asia with data.
- Among women (2021)
- 55.1% (2021)
- Value for women in Germany, same 2021 World Bank Global Findex data.
- Among men (2021)
- 59.3% (2021)
- Value for men in Germany, same 2021 World Bank Global Findex data.
- Gender gap (women minus men)
- −4.2 pp (2021)
- In 2021, the figure was 55.1% for women and 59.3% for men — 4.2 percentage points lower among women.
- Among the poorest 40% (2021)
- 56.6% (2021)
- Value for adults in the poorest 40% of households in Germany in 2021.
- Poorest-40% gap vs national
- −0.6 pp (2021)
- The poorest 40% (56.6%) are 0.6 percentage points below the national figure (57.1%).
- Internet use in Germany (2024)
- 93.5% (2024)
- 93.5% of the population in Germany used the internet in 2024 (World Bank); shown for context only.
- Population (2024)
- 83.5 million (2024)
- Germany had a population of 83.5 million in 2024 (World Bank); shown for scale only.
Trend, 2011–2021
| Year | % of adults (age 15+) | Change |
|---|---|---|
| 2021 | 57.1% | +1.8 pp |
| 2017 | 55.4% | −2.5 pp |
| 2014 | 57.9% | +2.0 pp |
| 2011 | 55.9% | — |
Frequently asked questions
What share of adults in Germany saved at a formal financial institution?
57.1% of adults in Germany saved at a formal financial institution in 2021, according to World Bank Global Findex data.
How does Germany compare with other countries in Europe & Central Asia?
Germany ranks 13 of 46 countries in Europe & Central Asia with data, with 57.1% versus a regional average of 40.6% (latest values per country).
Where does Germany rank globally on formal savings?
Germany ranks 23 of 142 countries with data globally, based on the latest World Bank Global Findex value for each country.
Is there a gender gap in formal savings in Germany?
Yes — in 2021 the figure was 55.1% for women and 59.3% for men, a gap of 4.2 percentage points in favor of men.
Source & methodology
Source: World Bank Global Findex, indicator
fin17a, 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 .