Credit Card Usage Statistics in Ghana (2026)

In 2024, 3.4% of adults in Ghana used a credit card, according to World Bank Global Findex data. Up from 0.3% in 2021 to 3.4% in 2024 (+3.1 percentage points). Ghana ranks #7 of 36 economies in Sub-Saharan Africa on this measure, and #95 of 142 globally.

Key Statistics

Latest value (2024): 3.4% (2024); Credit Card Usage in Ghana as of 2024, the most recent observation in World Bank Global Findex data.
Change since 2021: +3.1 pp (2024); Up from 0.3% in 2021 to 3.4% in 2024 (+3.1 percentage points).
Earliest value in this dataset (2014): 0.6% (2014); Earliest observation in this dataset, which covers 1990 onward (the source series may begin earlier). Up from 0.6% in 2014 to 3.4% in 2024.
Record high (2024): 3.4% (2024); The 2024 value is the highest in the available World Bank Global Findex series for Ghana.
Rank in Sub-Saharan Africa: #7 of 36 (2024); Ghana ranks 7 of 36 countries in Sub-Saharan Africa with data, based on each country's latest value.
Global rank: #95 of 142 (2024); Ghana ranks 95 of 142 countries with data globally.
Sub-Saharan Africa average: 2.2% (2024); Ghana (3.4%) is above the average of 2.2% across the 36 countries in Sub-Saharan Africa with data.
Owns a credit card (% age 15+) (2024): 4.4% (2024); Related indicator from World Bank Global Findex.
Internet use in Ghana (2024): 72.2% (2024); 72.2% of the population in Ghana used the internet in 2024 (World Bank); shown for context only.
Population (2024): 34.4 million (2024); Ghana had a population of 34.4 million in 2024 (World Bank); shown for scale only.

Trend, 2014–2024

Credit Card Usage in Ghana by year (% of adults (age 15+))
Year	% of adults (age 15+)	Change
2024	3.4%	+3.1 pp
2021	0.3%	−1.6 pp
2017	1.9%	+1.2 pp
2014	0.6%	—

Fig. 1 — Credit Card Usage in Ghana, 2014–2024

Frequently asked questions

What share of adults in Ghana used a credit card?

3.4% of adults in Ghana used a credit card in 2024, according to World Bank Global Findex data.

How does Ghana compare with other countries in Sub-Saharan Africa?

Ghana ranks 7 of 36 countries in Sub-Saharan Africa with data, with 3.4% versus a regional average of 2.2% (latest values per country).

Where does Ghana rank globally on credit card usage?

Ghana ranks 95 of 142 countries with data globally, based on the latest World Bank Global Findex value for each country.

How recent is the credit card usage data for Ghana?

The most recent observation is from 2024. World Bank Global Findex data is reported with a lag, so 2024 is the latest available year for Ghana.

Where does the credit card usage data for Ghana come from?

The data comes from the World Bank Global Findex (indicator fin22g). The latest observation for Ghana is from 2024; the snapshot was retrieved on 2026-06-10.

Source & methodology

Source: World Bank Global Findex, indicator fin22g, 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.