Debit Card Ownership Statistics in Ghana (2026)
14.8% of adults in Ghana owned a debit card in 2024, World Bank Global Findex data show. Down from 17.4% in 2021 to 14.8% in 2024 (−2.6 percentage points). Ghana ranks #11 of 36 economies in Sub-Saharan Africa on this measure, and #113 of 145 globally.
Key Statistics
- Latest value (2024)
- 14.8% (2024)
- Debit Card Ownership in Ghana as of 2024, the most recent observation in World Bank Global Findex data.
- Change since 2021
- −2.6 pp (2024)
- Down from 17.4% in 2021 to 14.8% in 2024 (−2.6 percentage points).
- Earliest value in this dataset (2011)
- 11.4% (2011)
- Earliest observation in this dataset, which covers 1990 onward (the source series may begin earlier). Up from 11.4% in 2011 to 14.8% in 2024.
- Peak value (2017)
- 18.6% (2017)
- Highest value in the available series; the 2024 value is 14.8%.
- Rank in Sub-Saharan Africa
- #11 of 36 (2024)
- Ghana ranks 11 of 36 countries in Sub-Saharan Africa with data, based on each country's latest value.
- Global rank
- #113 of 145 (2024)
- Ghana ranks 113 of 145 countries with data globally.
- Sub-Saharan Africa average
- 16.3% (2024)
- Ghana (14.8%) is below the average of 16.3% across the 36 countries in Sub-Saharan Africa with data.
- Among women (2024)
- 8.9% (2024)
- Value for women in Ghana, same 2024 World Bank Global Findex data.
- Among men (2024)
- 21.1% (2024)
- Value for men in Ghana, same 2024 World Bank Global Findex data.
- Gender gap (women minus men)
- −12.2 pp (2024)
- In 2024, the figure was 8.9% for women and 21.1% for men — 12.2 percentage points lower among women.
- 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, 2011–2024
| Year | % of adults (age 15+) | Change |
|---|---|---|
| 2024 | 14.8% | −2.6 pp |
| 2021 | 17.4% | −1.2 pp |
| 2017 | 18.6% | +8.8 pp |
| 2014 | 9.8% | −1.6 pp |
| 2011 | 11.4% | — |
Frequently asked questions
What share of adults in Ghana owned a debit card?
14.8% of adults in Ghana owned a debit card in 2024, according to World Bank Global Findex data.
Where does Ghana rank globally on debit card ownership?
Ghana ranks 113 of 145 countries with data globally, based on the latest World Bank Global Findex value for each country.
Is there a gender gap in debit card ownership in Ghana?
Yes — in 2024 the figure was 8.9% for women and 21.1% for men, a gap of 12.2 percentage points in favor of men.
When did debit card ownership in Ghana peak?
The highest value in the available series was 18.6% in 2017; the latest (2024) value is 14.8%.
How recent is the debit card ownership 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.
Source & methodology
Source: World Bank Global Findex, indicator
fin2.t.d, 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 .