Credit Card Usage Statistics in Spain (2026)
According to World Bank Global Findex data, 46.3% of adults in Spain used a credit card in 2021. Up from 44.2% in 2017 to 46.3% in 2021 (+2.1 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)
- 46.3% (2021)
- Credit Card Usage in Spain as of 2021, the most recent observation in World Bank Global Findex data.
- Change since 2017
- +2.1 pp (2021)
- Up from 44.2% in 2017 to 46.3% in 2021 (+2.1 percentage points).
- Earliest value in this dataset (2014)
- 45% (2014)
- Earliest observation in this dataset, which covers 1990 onward (the source series may begin earlier). Up from 45% in 2014 to 46.3% in 2021.
- Record high (2021)
- 46.3% (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
- 26.3% (2021)
- Spain (46.3%) is above the average of 26.3% across the 46 countries in Europe & Central Asia with data.
- Owns a credit card (% age 15+) (2021)
- 56.6% (2021)
- Related indicator from World Bank Global Findex.
- 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, 2014–2021
| Year | % of adults (age 15+) | Change |
|---|---|---|
| 2021 | 46.3% | +2.1 pp |
| 2017 | 44.2% | −0.8 pp |
| 2014 | 45% | — |
Frequently asked questions
What share of adults in Spain used a credit card?
46.3% of adults in Spain used a credit card in 2021, according to World Bank Global Findex data.
How has credit card usage in Spain changed over time?
World Bank Global Findex data show a rise from 45% in 2014 to 46.3% in 2021.
How does Spain compare with other countries in Europe & Central Asia?
Spain ranks 9 of 46 countries in Europe & Central Asia with data, with 46.3% versus a regional average of 26.3% (latest values per country).
Source & methodology
Source: World Bank Global Findex, indicator
fin22g, 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 .