Credit Card Ownership Statistics in Spain (2026)
In 2021, 56.6% of adults in Spain owned a credit card, according to World Bank Global Findex data. Up from 53.9% in 2017 to 56.6% in 2021 (+2.7 percentage points). Spain ranks #9 of 46 economies in Europe & Central Asia on this measure, and #16 of 142 globally.
Key Statistics
- Latest value (2021)
- 56.6% (2021)
- Credit Card Ownership in Spain as of 2021, the most recent observation in World Bank Global Findex data.
- Change since 2017
- +2.7 pp (2021)
- Up from 53.9% in 2017 to 56.6% in 2021 (+2.7 percentage points).
- Earliest value in this dataset (2011)
- 41.9% (2011)
- Earliest observation in this dataset, which covers 1990 onward (the source series may begin earlier). Up from 41.9% in 2011 to 56.6% in 2021.
- Record high (2021)
- 56.6% (2021)
- The 2021 value is the highest in the available World Bank Global Findex series for Spain.
- Rank in Europe & Central Asia
- #9 of 46 (2021)
- Spain ranks 9 of 46 countries in Europe & Central Asia with data, based on each country's latest value.
- Global rank
- #16 of 142 (2021)
- Spain ranks 16 of 142 countries with data globally.
- Europe & Central Asia average
- 33.3% (2021)
- Spain (56.6%) is above the average of 33.3% across the 46 countries in Europe & Central Asia with data.
- Among women (2021)
- 54.9% (2021)
- Value for women in Spain, same 2021 World Bank Global Findex data.
- Among men (2021)
- 58.3% (2021)
- Value for men in Spain, same 2021 World Bank Global Findex data.
- Gender gap (women minus men)
- −3.5 pp (2021)
- In 2021, the figure was 54.9% for women and 58.3% for men — 3.5 percentage points lower among women.
- 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, 2011–2021
| Year | % of adults (age 15+) | Change |
|---|---|---|
| 2021 | 56.6% | +2.7 pp |
| 2017 | 53.9% | −0.5 pp |
| 2014 | 54.4% | +12.5 pp |
| 2011 | 41.9% | — |
Frequently asked questions
What share of adults in Spain owned a credit card?
56.6% of adults in Spain owned a credit card in 2021, according to World Bank Global Findex data.
Is there a gender gap in credit card ownership in Spain?
Yes — in 2021 the figure was 54.9% for women and 58.3% for men, a gap of 3.5 percentage points in favor of men.
How recent is the credit card ownership data for Spain?
The most recent observation is from 2021. World Bank Global Findex data is reported with a lag, so 2021 is the latest available year for Spain.
Where does the credit card ownership data for Spain come from?
The data comes from the World Bank Global Findex (indicator fin10). The latest observation for Spain is from 2021; 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 .