Account Ownership Statistics in Spain (2026)
As of the 2024 data, 98.4% of adults in Spain had an account at a financial institution or mobile money provider, per World Bank Global Findex. Up from 98.3% in 2021 to 98.4% in 2024 (+0.1 percentage points). Spain ranks #14 of 46 economies in Europe & Central Asia on this measure, and #16 of 145 globally.
Key Statistics
- Latest value (2024)
- 98.4% (2024)
- Account Ownership in Spain as of 2024, the most recent observation in World Bank Global Findex data.
- Change since 2021
- +0.1 pp (2024)
- Up from 98.3% in 2021 to 98.4% in 2024 (+0.1 percentage points).
- Earliest value in this dataset (2011)
- 93.3% (2011)
- Earliest observation in this dataset, which covers 1990 onward (the source series may begin earlier). Up from 93.3% in 2011 to 98.4% in 2024.
- Record high (2024)
- 98.4% (2024)
- The 2024 value is the highest in the available World Bank Global Findex series for Spain.
- Rank in Europe & Central Asia
- #14 of 46 (2024)
- Spain ranks 14 of 46 countries in Europe & Central Asia with data, based on each country's latest value.
- Global rank
- #16 of 145 (2024)
- Spain ranks 16 of 145 countries with data globally.
- Europe & Central Asia average
- 86.1% (2024)
- Spain (98.4%) is above the average of 86.1% across the 46 countries in Europe & Central Asia with data.
- Among women (2024)
- 97.8% (2024)
- Value for women in Spain, same 2024 World Bank Global Findex data.
- Among men (2024)
- 99% (2024)
- Value for men in Spain, same 2024 World Bank Global Findex data.
- Gender gap (women minus men)
- −1.2 pp (2024)
- In 2024, the figure was 97.8% for women and 99% for men — 1.2 percentage points lower among women.
- In rural areas (2024)
- 99.1% (2024)
- Value for rural residents of Spain in 2024.
- Rural gap vs national
- +0.7 pp (2024)
- Rural residents (99.1%) are 0.7 percentage points above the national figure (98.4%).
- Among the poorest 40% (2024)
- 98.8% (2024)
- Value for adults in the poorest 40% of households in Spain in 2024.
- Poorest-40% gap vs national
- +0.4 pp (2024)
- The poorest 40% (98.8%) are 0.4 percentage points above the national figure (98.4%).
- Internet use in Spain (2024)
- 95.8% (2024)
- 95.8% of the population in Spain used the internet in 2024 (World Bank); shown for context only.
- Population (2024)
- 48.8 million (2024)
- Spain had a population of 48.8 million in 2024 (World Bank); shown for scale only.
Trend, 2011–2024
| Year | % of adults (age 15+) | Change |
|---|---|---|
| 2024 | 98.4% | +0.1 pp |
| 2021 | 98.3% | +4.5 pp |
| 2017 | 93.8% | −3.8 pp |
| 2014 | 97.6% | +4.3 pp |
| 2011 | 93.3% | — |
Frequently asked questions
What share of adults in Spain had an account at a financial institution or mobile money provider?
98.4% of adults in Spain had an account at a financial institution or mobile money provider in 2024, according to World Bank Global Findex data.
How recent is the account ownership data for Spain?
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 Spain.
Where does the account ownership data for Spain come from?
The data comes from the World Bank Global Findex (indicator account.t.d). The latest observation for Spain is from 2024; the snapshot was retrieved on 2026-06-10.
How has account ownership in Spain changed over time?
World Bank Global Findex data show a rise from 93.3% in 2011 to 98.4% in 2024.
How does Spain compare with other countries in Europe & Central Asia?
Spain ranks 14 of 46 countries in Europe & Central Asia with data, with 98.4% versus a regional average of 86.1% (latest values per country).
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 .