Account Ownership Statistics in Japan (2026)
In 2024, 98.5% of adults in Japan had an account at a financial institution or mobile money provider, according to World Bank Global Findex data. Essentially no change from 98.5% in 2021 to 98.5% in 2024. Japan ranks #1 of 16 economies in East Asia & Pacific on this measure, and #13 of 145 globally.
Key Statistics
- Latest value (2024)
- 98.5% (2024)
- Account Ownership in Japan as of 2024, the most recent observation in World Bank Global Findex data.
- Change since 2021
- 0 pp (2024)
- Essentially no change from 98.5% in 2021 to 98.5% in 2024.
- Earliest value in this dataset (2011)
- 96.4% (2011)
- Earliest observation in this dataset, which covers 1990 onward (the source series may begin earlier). Up from 96.4% in 2011 to 98.5% in 2024.
- Record high (2024)
- 98.5% (2024)
- The 2024 value is the highest in the available World Bank Global Findex series for Japan.
- Rank in East Asia & Pacific
- #1 of 16 (2024)
- Japan ranks 1 of 16 countries in East Asia & Pacific with data, based on each country's latest value.
- Global rank
- #13 of 145 (2024)
- Japan ranks 13 of 145 countries with data globally.
- East Asia & Pacific average
- 78.5% (2024)
- Japan (98.5%) is above the average of 78.5% across the 16 countries in East Asia & Pacific with data.
- Among women (2024)
- 98.7% (2024)
- Value for women in Japan, same 2024 World Bank Global Findex data.
- Among men (2024)
- 98.3% (2024)
- Value for men in Japan, same 2024 World Bank Global Findex data.
- Gender gap (women minus men)
- +0.4 pp (2024)
- In 2024, the figure was 98.7% for women and 98.3% for men — 0.4 percentage points higher among women.
- In rural areas (2024)
- 100% (2024)
- Value for rural residents of Japan in 2024.
- Rural gap vs national
- +1.5 pp (2024)
- Rural residents (100%) are 1.5 percentage points above the national figure (98.5%).
- Among the poorest 40% (2024)
- 97.7% (2024)
- Value for adults in the poorest 40% of households in Japan in 2024.
- Poorest-40% gap vs national
- −0.8 pp (2024)
- The poorest 40% (97.7%) are 0.8 percentage points below the national figure (98.5%).
- Internet use in Japan (2024)
- 85.5% (2024)
- 85.5% of the population in Japan used the internet in 2024 (World Bank); shown for context only.
- Population (2024)
- 124 million (2024)
- Japan had a population of 124 million in 2024 (World Bank); shown for scale only.
Trend, 2011–2024
| Year | % of adults (age 15+) | Change |
|---|---|---|
| 2024 | 98.5% | +0.0 pp |
| 2021 | 98.5% | +0.2 pp |
| 2017 | 98.2% | +1.6 pp |
| 2014 | 96.6% | +0.2 pp |
| 2011 | 96.4% | — |
Frequently asked questions
What share of adults in Japan had an account at a financial institution or mobile money provider?
98.5% of adults in Japan had an account at a financial institution or mobile money provider in 2024, according to World Bank Global Findex data.
Where does the account ownership data for Japan come from?
The data comes from the World Bank Global Findex (indicator account.t.d). The latest observation for Japan is from 2024; the snapshot was retrieved on 2026-06-10.
How has account ownership in Japan changed over time?
World Bank Global Findex data show a rise from 96.4% in 2011 to 98.5% in 2024.
Source & methodology
Source: World Bank Global Findex, indicator
account.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 .