FinObservatory

Financial inclusion / ALB

Albania

Albania appears in 5 of the 5 Global Findex rounds in this file (2011, 2014, 2017, 2021, 2024).

46.1%
Account, 2024
28.3%
Account, 2011
+17.8 pts
Change, 2011 to 2024
10.3 pts
Gender gap, 2024
115 of 140
Rank in the 2024 round

Account ownership by group

Share of adults aged 15 and over with an account at a bank or with a mobile money provider. Each line is a separate survey estimate on a subsample, not a decomposition of the total.

% of adults age 15+10203040506020112014201720212024All adults, 2011: 28.3All adults, 2014: 38.0All adults, 2017: 40.0All adults, 2021: 44.2All adults, 2024: 46.1All adults 46.1Women, 2011: 22.7Women, 2014: 33.6Women, 2017: 38.1Women, 2021: 45.7Women, 2024: 41.2Women 41.2Men, 2011: 33.7Men, 2014: 42.5Men, 2017: 42.0Men, 2021: 42.6Men, 2024: 51.5Men 51.5Poorest 40%, 2011: 17.5Poorest 40%, 2014: 23.9Poorest 40%, 2017: 22.8Poorest 40%, 2021: 27.3Poorest 40%, 2024: 30.2Poorest 40% 30.2

Source: World Bank Global Findex Database 2025 (CC BY-4.0) Indicators account.t.d, account.t.d.1, account.t.d.2, account.t.d.7. Methodology

Account ownership20112014201720212024
Women22.7%33.6%38.1%45.7%41.2%
Men33.7%42.5%42.0%42.6%51.5%
Poorest 40%17.5%23.9%22.8%27.3%30.2%
Richest 60%35.4%47.4%51.5%55.4%56.7%
Age 15-2426.4%30.0%31.5%43.9%29.4%
Age 25+28.7%40.4%42.5%44.3%48.7%
Primary education or less15.1%24.0%27.5%34.4%26.2%
Secondary education or more36.2%56.2%55.8%56.5%62.3%
Rural----40.7%
Urban----55.7%

Source: World Bank Global Findex Database 2025 (CC BY-4.0) A dash means the cut is not reported for Albania in that round. The rural and urban cuts exist in one round only. Methodology

The gaps

Gender gap is the men’s account rate minus the women’s; income gap is the richest 60% minus the poorest 40%. Both are differences between two survey estimates and the file publishes no standard error for either, so a gap of a few points is not distinguishable from zero.

Percentage points-100.010203020112014201720212024Gender gap, 2011: 11.0Gender gap, 2014: 8.9Gender gap, 2017: 3.9Gender gap, 2021: -3.1Gender gap, 2024: 10.3Gender gap 10.3Income gap, 2011: 17.9Income gap, 2014: 23.5Income gap, 2017: 28.8Income gap, 2021: 28.1Income gap, 2024: 26.5Income gap 26.5

Source: World Bank Global Findex Database 2025 (CC BY-4.0) account.t.d.2 minus account.t.d.1; account.t.d.8 minus account.t.d.7. Methodology

Payments, saving and borrowing

The digital-payment, saved and borrowed indicators are not collected in every round or for every economy: in the 2024 round they are reported for a subset of the economies that report account ownership.

Share of adults age 15+20112014201720212024
Made or received a digital payment-22.5%28.8%34.6%35.3%
Mobile money account--2.4%--
Saved at a bank or using mobile money8.6%7.5%8.7%9.7%14.8%
Borrowed from a bank or using mobile money-13.5%12.5%13.4%10.8%

Source: World Bank Global Findex Database 2025 (CC BY-4.0) Indicators g20.any, mobileaccount.t.d, fin17a.17a1.d, fin22a.22a1.22g.d. A dash means no reading for Albania in that round. Methodology

Physical access points

From the IMF Financial Access Survey by way of the GFDD, which stops in 2021. Each figure is Albania’s latest reported year, which is shown beside it and is not necessarily the same year as another economy’s. These are the published values, reproduced without adjustment; for at least one economy the published branch and ATM counts are not physically possible, which the methodology page documents.

18.6
Bank branches per 100,000 adults (2020)
31.4
ATMs per 100,000 adults (2020)

Source: World Bank Global Financial Development Database | IMF Financial Access Survey GFDD.AI.02 and GFDD.AI.25, latest reported year for this economy. Methodology