Account Ownership Statistics in Zambia (2026)
According to World Bank Global Findex data, 72.7% of adults in Zambia had an account at a financial institution or mobile money provider in 2024. Up from 48.5% in 2021 to 72.7% in 2024 (+24.2 percentage points). Zambia ranks #8 of 36 economies in Sub-Saharan Africa on this measure, and #73 of 145 globally.
Key Statistics
- Latest value (2024)
- 72.7% (2024)
- Account Ownership in Zambia as of 2024, the most recent observation in World Bank Global Findex data.
- Change since 2021
- +24.2 pp (2024)
- Up from 48.5% in 2021 to 72.7% in 2024 (+24.2 percentage points).
- Earliest value in this dataset (2011)
- 21.4% (2011)
- Earliest observation in this dataset, which covers 1990 onward (the source series may begin earlier). Up from 21.4% in 2011 to 72.7% in 2024.
- Record high (2024)
- 72.7% (2024)
- The 2024 value is the highest in the available World Bank Global Findex series for Zambia.
- Rank in Sub-Saharan Africa
- #8 of 36 (2024)
- Zambia ranks 8 of 36 countries in Sub-Saharan Africa with data, based on each country's latest value.
- Global rank
- #73 of 145 (2024)
- Zambia ranks 73 of 145 countries with data globally.
- Sub-Saharan Africa average
- 54.2% (2024)
- Zambia (72.7%) is above the average of 54.2% across the 36 countries in Sub-Saharan Africa with data.
- Among women (2024)
- 70.2% (2024)
- Value for women in Zambia, same 2024 World Bank Global Findex data.
- Among men (2024)
- 75.5% (2024)
- Value for men in Zambia, same 2024 World Bank Global Findex data.
- Gender gap (women minus men)
- −5.3 pp (2024)
- In 2024, the figure was 70.2% for women and 75.5% for men — 5.3 percentage points lower among women.
- In rural areas (2024)
- 69.5% (2024)
- Value for rural residents of Zambia in 2024.
- Rural gap vs national
- −3.2 pp (2024)
- Rural residents (69.5%) are 3.2 percentage points below the national figure (72.7%).
- Among the poorest 40% (2024)
- 58.8% (2024)
- Value for adults in the poorest 40% of households in Zambia in 2024.
- Poorest-40% gap vs national
- −13.9 pp (2024)
- The poorest 40% (58.8%) are 13.9 percentage points below the national figure (72.7%).
- Internet use in Zambia (2024)
- 17.1% (2024)
- 17.1% of the population in Zambia used the internet in 2024 (World Bank); shown for context only.
- Population (2024)
- 21.3 million (2024)
- Zambia had a population of 21.3 million in 2024 (World Bank); shown for scale only.
Trend, 2011–2024
| Year | % of adults (age 15+) | Change |
|---|---|---|
| 2024 | 72.7% | +24.2 pp |
| 2021 | 48.5% | +2.7 pp |
| 2017 | 45.9% | +10.2 pp |
| 2014 | 35.6% | +14.3 pp |
| 2011 | 21.4% | — |
Frequently asked questions
What share of adults in Zambia had an account at a financial institution or mobile money provider?
72.7% of adults in Zambia had an account at a financial institution or mobile money provider in 2024, according to World Bank Global Findex data.
Where does the account ownership data for Zambia come from?
The data comes from the World Bank Global Findex (indicator account.t.d). The latest observation for Zambia is from 2024; the snapshot was retrieved on 2026-06-10.
How has account ownership in Zambia changed over time?
World Bank Global Findex data show a rise from 21.4% in 2011 to 72.7% in 2024.
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 .