Credit Card Ownership Statistics in North Macedonia (2026)
According to World Bank Global Findex data, 26% of adults in North Macedonia owned a credit card in 2024. Up from 22.2% in 2021 to 26% in 2024 (+3.8 percentage points). North Macedonia ranks #26 of 46 economies in Europe & Central Asia on this measure, and #42 of 142 globally.
Key Statistics
- Latest value (2024)
- 26% (2024)
- Credit Card Ownership in North Macedonia as of 2024, the most recent observation in World Bank Global Findex data.
- Change since 2021
- +3.8 pp (2024)
- Up from 22.2% in 2021 to 26% in 2024 (+3.8 percentage points).
- Earliest value in this dataset (2011)
- 16.5% (2011)
- Earliest observation in this dataset, which covers 1990 onward (the source series may begin earlier). Up from 16.5% in 2011 to 26% in 2024.
- Record high (2024)
- 26% (2024)
- The 2024 value is the highest in the available World Bank Global Findex series for North Macedonia.
- Rank in Europe & Central Asia
- #26 of 46 (2024)
- North Macedonia ranks 26 of 46 countries in Europe & Central Asia with data, based on each country's latest value.
- Global rank
- #42 of 142 (2024)
- North Macedonia ranks 42 of 142 countries with data globally.
- Europe & Central Asia average
- 33.3% (2024)
- North Macedonia (26%) is below the average of 33.3% across the 46 countries in Europe & Central Asia with data.
- Among women (2024)
- 23.7% (2024)
- Value for women in North Macedonia, same 2024 World Bank Global Findex data.
- Among men (2024)
- 28.3% (2024)
- Value for men in North Macedonia, same 2024 World Bank Global Findex data.
- Gender gap (women minus men)
- −4.7 pp (2024)
- In 2024, the figure was 23.7% for women and 28.3% for men — 4.7 percentage points lower among women.
- 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 | 26% | +3.8 pp |
| 2021 | 22.2% | +4.8 pp |
| 2017 | 17.4% | −3.8 pp |
| 2014 | 21.2% | +4.6 pp |
| 2011 | 16.5% | — |
Frequently asked questions
What share of adults in North Macedonia owned a credit card?
26% of adults in North Macedonia owned a credit card in 2024, according to World Bank Global Findex data.
Is there a gender gap in credit card ownership in North Macedonia?
Yes — in 2024 the figure was 23.7% for women and 28.3% for men, a gap of 4.7 percentage points in favor of men.
How recent is the credit card 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 credit card ownership data for North Macedonia come from?
The data comes from the World Bank Global Findex (indicator fin10). The latest observation for North Macedonia is from 2024; the snapshot was retrieved on 2026-06-10.
Source & methodology
Source: World Bank Global Findex, indicator
fin10, 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 .