Credit Card Usage Statistics in Kenya (2026)
2.8% of adults in Kenya used a credit card in 2024, World Bank Global Findex data show. Down from 4.4% in 2021 to 2.8% in 2024 (−1.5 percentage points). Kenya ranks #9 of 36 economies in Sub-Saharan Africa on this measure, and #101 of 142 globally.
Key Statistics
- Latest value (2024)
- 2.8% (2024)
- Credit Card Usage in Kenya as of 2024, the most recent observation in World Bank Global Findex data.
- Change since 2021
- −1.5 pp (2024)
- Down from 4.4% in 2021 to 2.8% in 2024 (−1.5 percentage points).
- Earliest value in this dataset (2014)
- 2.7% (2014)
- Earliest observation in this dataset, which covers 1990 onward (the source series may begin earlier). Up from 2.7% in 2014 to 2.8% in 2024.
- Peak value (2021)
- 4.4% (2021)
- Highest value in the available series; the 2024 value is 2.8%.
- Rank in Sub-Saharan Africa
- #9 of 36 (2024)
- Kenya ranks 9 of 36 countries in Sub-Saharan Africa with data, based on each country's latest value.
- Global rank
- #101 of 142 (2024)
- Kenya ranks 101 of 142 countries with data globally.
- Sub-Saharan Africa average
- 2.2% (2024)
- Kenya (2.8%) 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 Kenya (2024)
- 35% (2024)
- 35% of the population in Kenya used the internet in 2024 (World Bank); shown for context only.
- Population (2024)
- 56.4 million (2024)
- Kenya had a population of 56.4 million in 2024 (World Bank); shown for scale only.
Trend, 2014–2024
| Year | % of adults (age 15+) | Change |
|---|---|---|
| 2024 | 2.8% | −1.5 pp |
| 2021 | 4.4% | +0.3 pp |
| 2017 | 4.1% | +1.4 pp |
| 2014 | 2.7% | — |
Frequently asked questions
What share of adults in Kenya used a credit card?
2.8% of adults in Kenya used a credit card in 2024, according to World Bank Global Findex data.
How has credit card usage in Kenya changed over time?
World Bank Global Findex data show a rise from 2.7% in 2014 to 2.8% in 2024.
How does Kenya compare with other countries in Sub-Saharan Africa?
Kenya ranks 9 of 36 countries in Sub-Saharan Africa with data, with 2.8% versus a regional average of 2.2% (latest values per country).
Where does Kenya rank globally on credit card usage?
Kenya ranks 101 of 142 countries with data globally, based on the latest World Bank Global Findex value for each country.
Source & methodology
Source: World Bank Global Findex, indicator
fin22g, 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 .