North Macedonia Fintech Statistics (2026)

39 sourced fintech statistics topics for North Macedonia, drawn from World Bank and IMF datasets. Digital Payment Adoption in North Macedonia stood at 75.2% in 2024.

Country profile

North Macedonia at a glance

Europe & Central Asia · Upper middle income

Population: 1.8M (2024)
GDP (current US$): $17B (2024)
Internet use (% of population): 93.1% (2025)

Source: World Bank World Development Indicators; each value cites its own data year.

Available statistics

Topics for North Macedonia (39)

Financial Inclusion

Account Ownership 84.3% (2024)
ATM Density 67.1 per 100,000 adults (2023)
Bank Account Ownership 84.3% (2024)
Bank Branch Density 24.7 per 100,000 adults (2023)
Bank Depositors 1,246.6 per 1,000 adults (2023)
Bank Deposits 63.3% of GDP (2024)
Formal & Mobile Money Savings 32.4% (2024)
Formal Savings 32.4% (2024)

Fraud & Financial Cybersecurity

Secure Internet Servers 2,068.1 per 1 million people (2024)

Insurtech

Insurance & Financial Services Trade 0.1% (2024)

Mobile Wallets

Mobile Subscriptions 108.4 per 100 people (2024)

Payroll & Earned Wage Access

Mobile Wage Payments 3% (2024)
Wage Payments into Accounts 43.5% (2024)

Personal Finance Apps

Deposit Interest Rates 2.4% (2024)

Regtech & Compliance

Bank Capital Adequacy 11.6% (2023)
Bank Liquid Reserves 26.9% (2024)

Remittances & Cross-Border Payments

Account-Based Domestic Remittances 4.9% (2024)
Domestic Remittances 11.8% (2024)
International Migrant Population 8.3% (2024)
Remittance Costs 2.1% (2023)
Remittance Inflows $458.2 million (2024)
Remittance Outflows $24.1 million (2024)

North Macedonia Fintech Statistics (2026)

North Macedonia at a glance

Topics for North Macedonia (39)

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