Bank Account Ownership Statistics in North Macedonia (2026)
In 2024, 84.3% of adults in North Macedonia had an account at a bank or similar financial institution, according to World Bank Global Findex data. Down from 85.3% in 2021 to 84.3% in 2024 (−1 percentage points). North Macedonia ranks #30 of 46 economies in Europe & Central Asia on this measure, and #51 of 145 globally.
Key Statistics
- Latest value (2024)
- 84.3% (2024)
- Bank Account Ownership in North Macedonia as of 2024, the most recent observation in World Bank Global Findex data.
- Change since 2021
- −1 pp (2024)
- Down from 85.3% in 2021 to 84.3% in 2024 (−1 percentage points).
- Earliest value in this dataset (2011)
- 73.7% (2011)
- Earliest observation in this dataset, which covers 1990 onward (the source series may begin earlier). Up from 73.7% in 2011 to 84.3% in 2024.
- Peak value (2021)
- 85.3% (2021)
- Highest value in the available series; the 2024 value is 84.3%.
- Rank in Europe & Central Asia
- #30 of 46 (2024)
- North Macedonia ranks 30 of 46 countries in Europe & Central Asia with data, based on each country's latest value.
- Global rank
- #51 of 145 (2024)
- North Macedonia ranks 51 of 145 countries with data globally.
- Europe & Central Asia average
- 85.9% (2024)
- North Macedonia (84.3%) is below the average of 85.9% across the 46 countries in Europe & Central Asia with data.
- Among women (2024)
- 77.2% (2024)
- Value for women in North Macedonia, same 2024 World Bank Global Findex data.
- Among men (2024)
- 91.6% (2024)
- Value for men in North Macedonia, same 2024 World Bank Global Findex data.
- Gender gap (women minus men)
- −14.4 pp (2024)
- In 2024, the figure was 77.2% for women and 91.6% for men — 14.4 percentage points lower among women.
- In rural areas (2024)
- 84.4% (2024)
- Value for rural residents of North Macedonia in 2024.
- Rural gap vs national
- +0.1 pp (2024)
- Rural residents (84.4%) are 0.1 percentage points above the national figure (84.3%).
- Among the poorest 40% (2024)
- 78.4% (2024)
- Value for adults in the poorest 40% of households in North Macedonia in 2024.
- Poorest-40% gap vs national
- −5.9 pp (2024)
- The poorest 40% (78.4%) are 5.9 percentage points below the national figure (84.3%).
- Internet use in North Macedonia (2025)
- 93.1% (2025)
- 93.1% of the population in North Macedonia used the internet in 2025 (World Bank); shown for context only.
- Population (2024)
- 1.8 million (2024)
- North Macedonia had a population of 1.8 million in 2024 (World Bank); shown for scale only.
Trend, 2011–2024
| Year | % of adults (age 15+) | Change |
|---|---|---|
| 2024 | 84.3% | −1.0 pp |
| 2021 | 85.3% | +8.7 pp |
| 2017 | 76.6% | +4.8 pp |
| 2014 | 71.8% | −1.9 pp |
| 2011 | 73.7% | — |
Frequently asked questions
What share of adults in North Macedonia had an account at a bank or similar financial institution?
84.3% of adults in North Macedonia had an account at a bank or similar financial institution in 2024, according to World Bank Global Findex data.
How recent is the bank account ownership data for North Macedonia?
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 North Macedonia.
Where does the bank account ownership data for North Macedonia come from?
The data comes from the World Bank Global Findex (indicator fiaccount.t.d). The latest observation for North Macedonia is from 2024; the snapshot was retrieved on 2026-06-10.
How has bank account ownership in North Macedonia changed over time?
World Bank Global Findex data show a rise from 73.7% in 2011 to 84.3% in 2024.
How does North Macedonia compare with other countries in Europe & Central Asia?
North Macedonia ranks 30 of 46 countries in Europe & Central Asia with data, with 84.3% versus a regional average of 85.9% (latest values per country).
Source & methodology
Source: World Bank Global Findex, indicator
fiaccount.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 .