Affordability of financial services
scale 1-7, 2010–2016
| Country | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 |
|---|---|---|---|---|---|---|---|
| Albania | 3.46 | 3.64 | 3.35 | 3.39 | 3.74 | 3.74 | 3.61 |
| Algeria | 2.69 | 2.32 | 2.01 | 2.72 | 3.06 | 3.06 | 3.07 |
| Angola | 2.87 | 2.77 | 2.92 | 3.06 | 3.24 | ||
| Argentina | 3.24 | 3.32 | 3.09 | 2.92 | 2.92 | 2.92 | 2.95 |
| Armenia | 3.59 | 4.09 | 4.52 | 4.43 | 4.01 | 4.01 | 3.78 |
| Australia | 5.11 | 5.08 | 4.77 | 4.85 | 5.21 | 5.21 | 5.13 |
| Austria | 5.09 | 5.22 | 5.22 | 5.26 | 5.27 | 5.27 | 5.25 |
| Azerbaijan | 4.22 | 4.22 | 4.10 | 4.10 | 4.05 | 4.05 | 4.53 |
| Bahrain | 5.53 | 5.79 | 5.76 | 5.60 | 5.50 | 5.50 | 5.13 |
| Bangladesh | 3.87 | 3.96 | 3.66 | 3.67 | 3.90 | 3.90 | 4.02 |
| Barbados | 4.47 | 4.65 | 4.47 | 4.36 | 4.46 | 4.28 | 4.10 |
| Belgium | 5.31 | 5.21 | 5.10 | 5.28 | 5.51 | 5.51 | 5.47 |
| Belize | 3.08 | ||||||
| Benin | 4.06 | 3.85 | 3.35 | 3.25 | 3.25 | 3.25 | 3.66 |
| Bhutan | 3.89 | 4.02 | 4.02 | 4.11 | |||
| Bolivia | 3.93 | 3.54 | 3.55 | 3.85 | 3.74 | 3.74 | 4.67 |
| Bosnia and Herzegovina | 3.25 | 3.25 | 3.51 | 3.72 | 3.72 | 3.72 | 3.39 |
| Botswana | 3.89 | 3.89 | 4.05 | 4.13 | 4.15 | 4.15 | 4.28 |
| Brazil | 4.48 | 4.45 | 4.29 | 4.46 | 4.99 | 4.99 | 3.89 |
| Brunei | 4.52 | 4.57 | 4.57 | 4.70 | 4.47 | 4.24 | 4.01 |
| Bulgaria | 3.48 | 3.43 | 3.36 | 3.47 | 3.96 | 3.96 | 4.47 |
| Burkina Faso | 2.72 | 2.99 | 3.18 | 2.95 | 3.08 | ||
| Burundi | 2.76 | 2.77 | 2.53 | 2.56 | 2.73 | 2.73 | 2.72 |
| Cambodia | 4.13 | 4.18 | 4.23 | 4.11 | 3.86 | 3.86 | 4.13 |
| Cameroon | 3.13 | 3.24 | 3.58 | 3.69 | 3.66 | 3.66 | 3.96 |
| Canada | 5.47 | 5.32 | 5.26 | 5.55 | 5.83 | 5.83 | 4.98 |
| Cape Verde | 3.67 | 3.71 | 3.79 | 3.59 | 3.78 | 3.78 | 3.47 |
| Chad | 2.83 | 2.78 | 2.73 | 2.68 | 2.90 | 2.90 | 2.70 |
| Chile | 5.52 | 5.37 | 5.19 | 5.03 | 4.87 | 4.87 | 5.35 |
| China | 4.69 | 4.73 | 4.56 | 4.42 | 4.38 | 4.38 | 4.34 |
| Colombia | 4.27 | 4.02 | 3.89 | 3.77 | 3.61 | 3.61 | 4.41 |
| Congo (Kinshasa) | 3.16 | ||||||
| Costa Rica | 4.46 | 4.25 | 4.36 | 4.23 | 4.14 | 4.14 | 4.15 |
| Croatia | 3.75 | 3.58 | 3.63 | 3.91 | 3.77 | 3.77 | 3.56 |
| Cyprus | 4.61 | 4.60 | 4.49 | 4.49 | 4.37 | 4.37 | 3.79 |
| Czechia | 3.69 | 3.74 | 3.63 | 3.95 | 5.05 | 5.05 | 4.98 |
| Denmark | 4.95 | 4.99 | 4.58 | 4.71 | 5.03 | 5.03 | 4.83 |
| Dominican Republic | 4.13 | 4.12 | 4.16 | 4.07 | 3.78 | 3.78 | 4.47 |
| Ecuador | 3.45 | 3.62 | 3.72 | 4.00 | 4.00 | 4.00 | 3.88 |
| Egypt | 4.16 | 4.02 | 4.09 | 3.70 | 3.29 | 3.29 | 4.49 |
| El Salvador | 4.14 | 4.34 | 4.19 | 3.73 | 3.95 | 3.95 | 4.54 |
| Estonia | 4.51 | 4.34 | 4.34 | 4.69 | 4.89 | 4.89 | 4.92 |
| Eswatini | 3.60 | 3.55 | 3.83 | 4.41 | 4.22 | 4.22 | |
| Ethiopia | 3.29 | 3.20 | 3.19 | 3.45 | 3.64 | 3.64 | 3.58 |
| Finland | 5.69 | 5.59 | 5.52 | 5.80 | 6.00 | 6.00 | 5.56 |
| France | 5.41 | 5.40 | 5.03 | 4.86 | 5.15 | 5.15 | 4.81 |
| Gabon | 3.43 | 3.27 | 3.25 | 3.25 | 3.41 | ||
| Gambia | 4.38 | 4.35 | 4.64 | 4.31 | 3.95 | 3.95 | 4.02 |
| Georgia | 3.50 | 3.74 | 3.92 | 3.99 | 4.08 | 4.08 | 4.09 |
| Germany | 5.36 | 5.11 | 5.07 | 5.28 | 5.51 | 5.51 | 5.23 |
| Ghana | 3.85 | 3.87 | 3.97 | 4.10 | 3.82 | 3.82 | 3.97 |
| Greece | 4.09 | 3.93 | 3.74 | 3.59 | 3.58 | 3.58 | 2.99 |
| Guatemala | 5.03 | 4.88 | 4.94 | 5.04 | 5.05 | 5.05 | 5.24 |
| Guinea | 3.22 | 3.02 | 2.82 | 2.82 | |||
| Guyana | 3.77 | 3.84 | 4.07 | 4.18 | 4.07 | 4.07 | |
| Haiti | 2.57 | 2.74 | 2.96 | 2.93 | 2.93 | ||
| Honduras | 4.41 | 4.51 | 4.49 | 4.17 | 4.22 | 4.22 | 4.58 |
| Hong Kong | 5.83 | 5.86 | 6.01 | 6.10 | 5.99 | 5.99 | 5.97 |
| Hungary | 3.49 | 3.80 | 3.74 | 3.65 | 3.80 | 3.80 | 3.98 |
| Iceland | 3.44 | 3.50 | 3.44 | 3.74 | 4.16 | 4.16 | 4.71 |
| India | 4.82 | 4.91 | 4.87 | 4.78 | 4.11 | 4.11 | 4.59 |
| Indonesia | 4.43 | 4.38 | 4.36 | 4.61 | 4.87 | 4.87 | 4.81 |
| Iran | 3.08 | 3.14 | 3.25 | 3.15 | 3.14 | 3.14 | 3.47 |
| Ireland | 4.50 | 4.12 | 3.84 | 4.21 | 4.71 | 4.71 | 4.23 |
| Israel | 4.50 | 4.51 | 3.99 | 4.09 | 4.22 | 4.22 | 4.86 |
| Italy | 3.51 | 3.53 | 3.38 | 3.62 | 3.98 | 3.98 | 3.47 |
| Ivory Coast | 3.61 | 3.38 | 3.19 | 3.29 | 3.86 | 3.86 | 3.67 |
| Jamaica | 3.75 | 3.66 | 3.82 | 4.07 | 4.01 | 4.01 | 4.26 |
| Japan | 4.97 | 4.94 | 4.99 | 5.16 | 5.13 | 5.13 | 5.36 |
| Jordan | 4.44 | 4.38 | 4.40 | 4.44 | 4.54 | 4.54 | 4.59 |
| Kazakhstan | 3.60 | 3.60 | 3.99 | 4.30 | 4.29 | 4.29 | 4.07 |
| Kenya | 4.25 | 4.39 | 4.38 | 4.15 | 4.16 | 4.16 | 4.46 |
| Kuwait | 4.80 | 4.59 | 4.33 | 4.35 | 4.36 | 4.36 | 4.46 |
| Kyrgyzstan | 3.14 | 2.81 | 2.88 | 3.27 | 3.69 | 3.69 | 3.47 |
| Laos | 4.49 | 4.24 | 4.24 | 4.15 | |||
| Latvia | 4.09 | 4.18 | 4.36 | 4.68 | 5.05 | 5.05 | 4.48 |
| Lebanon | 4.86 | 4.91 | 4.70 | 4.34 | 4.12 | 4.12 | 4.50 |
| Lesotho | 3.06 | 3.15 | 3.12 | 3.48 | 3.39 | 3.39 | 2.44 |
| Liberia | 3.91 | 3.68 | 3.68 | 3.68 | 3.75 | ||
| Libya | 2.38 | 2.45 | 2.53 | 2.32 | 2.03 | ||
| Lithuania | 4.29 | 4.09 | 4.07 | 4.48 | 4.88 | 4.88 | 4.66 |
| Luxembourg | 5.67 | 5.83 | 5.95 | 5.99 | 6.08 | 6.08 | 5.55 |
| Madagascar | 2.91 | 2.98 | 3.19 | 3.21 | 3.10 | 3.10 | 3.67 |
| Malawi | 3.51 | 3.78 | 3.88 | 3.55 | 3.10 | 3.10 | 3.54 |
| Malaysia | 5.47 | 5.52 | 5.41 | 5.42 | 5.58 | 5.58 | 5.38 |
| Mali | 3.21 | 3.44 | 3.77 | 3.73 | 3.61 | 3.61 | 3.29 |
| Malta | 5.01 | 4.97 | 4.89 | 5.11 | 5.25 | 5.25 | 4.87 |
| Mauritania | 2.60 | 2.93 | 3.51 | 3.08 | 3.17 | 3.17 | 2.27 |
| Mauritius | 4.80 | 4.52 | 4.60 | 4.93 | 4.87 | 4.87 | 4.62 |
| Mexico | 3.55 | 3.94 | 4.15 | 3.98 | 3.73 | 3.73 | 4.09 |
| Moldova | 3.09 | 3.18 | 3.45 | 3.62 | 3.74 | 3.74 | 3.44 |
| Mongolia | 3.19 | 3.27 | 3.50 | 3.60 | 3.51 | 3.51 | 3.13 |
| Montenegro | 4.35 | 4.25 | 4.11 | 4.06 | 4.04 | 4.04 | 3.53 |
| Morocco | 4.45 | 4.45 | 4.37 | 4.16 | 4.19 | 4.19 | 3.85 |
| Mozambique | 3.76 | 3.55 | 3.29 | 3.28 | 3.58 | 3.58 | 3.38 |
| Myanmar (Burma) | 3.03 | 2.99 | 2.99 | ||||
| Namibia | 4.01 | 3.96 | 3.95 | 4.23 | 4.40 | 4.40 | 4.55 |
| Nepal | 3.44 | 3.62 | 3.75 | 3.92 | 4.10 | 4.10 | 4.09 |
| Netherlands | 5.39 | 5.40 | 5.24 | 5.25 | 5.50 | 5.50 | 4.73 |
| New Zealand | 4.64 | 4.93 | 5.21 | 5.43 | 5.71 | 5.71 | 5.54 |
| Nicaragua | 3.88 | 3.57 | 3.57 | 3.79 | 3.85 | 3.85 | 3.87 |
| Nigeria | 3.92 | 4.04 | 4.13 | 3.84 | 3.46 | 3.46 | 3.73 |
| North Macedonia | 3.47 | 3.43 | 3.47 | 3.99 | 4.30 | 4.30 | 4.18 |
| Norway | 5.58 | 5.38 | 5.43 | 5.74 | 5.89 | 5.89 | 5.74 |
| Oman | 5.02 | 4.92 | 5.15 | 5.42 | 5.16 | 5.16 | 4.62 |
| Pakistan | 3.90 | 3.77 | 3.73 | 3.78 | 3.96 | 3.96 | 3.72 |
| Panama | 5.81 | 5.91 | 5.99 | 5.79 | 5.48 | 5.48 | 5.76 |
| Paraguay | 4.44 | 4.56 | 4.55 | 4.02 | 3.67 | 3.67 | 4.35 |
| Peru | 4.98 | 4.88 | 4.62 | 4.28 | 4.13 | 4.13 | 4.81 |
| Philippines | 4.83 | 4.67 | 4.81 | 5.00 | 4.83 | 4.83 | 4.68 |
| Poland | 4.33 | 4.34 | 4.39 | 4.59 | 4.82 | 4.82 | 4.56 |
| Portugal | 5.19 | 4.90 | 4.58 | 4.06 | 4.20 | 4.20 | 4.49 |
| Puerto Rico | 5.27 | 5.25 | 5.37 | 5.32 | 5.29 | ||
| Qatar | 5.60 | 5.60 | 5.79 | 5.89 | 5.87 | 5.87 | 5.28 |
| Romania | 3.63 | 3.58 | 3.65 | 3.90 | 4.16 | 4.16 | 3.38 |
| Russia | 3.77 | 3.53 | 3.45 | 3.82 | 4.13 | 4.13 | 3.60 |
| Rwanda | 3.98 | 4.02 | 4.05 | 4.18 | 4.26 | 4.26 | 4.26 |
| Saudi Arabia | 5.35 | 5.35 | 5.29 | 5.15 | 5.10 | 5.10 | 4.60 |
| Senegal | 3.97 | 4.00 | 3.93 | 3.63 | 3.75 | 3.75 | 3.66 |
| Serbia | 3.65 | 3.77 | 3.72 | 3.62 | 3.66 | 3.66 | 3.66 |
| Seychelles | 3.95 | 3.92 | 3.85 | 3.85 | |||
| Sierra Leone | 3.11 | 3.47 | 3.45 | 3.45 | 3.34 | ||
| Singapore | 5.79 | 5.84 | 5.83 | 5.86 | 5.86 | 5.86 | 5.84 |
| Slovakia | 4.58 | 4.21 | 4.14 | 4.81 | 5.16 | 5.16 | 4.72 |
| Slovenia | 4.06 | 4.06 | 3.76 | 3.56 | 3.50 | 3.50 | 3.66 |
| South Africa | 4.71 | 4.87 | 5.16 | 5.51 | 5.31 | 5.31 | 5.97 |
| South Korea | 3.96 | 4.31 | 4.59 | 4.14 | 3.88 | 3.88 | 4.07 |
| Spain | 5.19 | 4.99 | 4.62 | 4.40 | 4.20 | 4.20 | 4.03 |
| Sri Lanka | 4.77 | 4.89 | 4.99 | 4.97 | 4.74 | 4.74 | 4.64 |
| Suriname | 3.16 | 3.43 | 3.80 | 3.65 | |||
| Sweden | 5.52 | 5.55 | 5.12 | 5.25 | 5.50 | 5.50 | 5.63 |
| Switzerland | 6.02 | 5.91 | 5.65 | 5.85 | 6.11 | 6.11 | 5.95 |
| Syria | 3.18 | 3.51 | |||||
| Tajikistan | 3.39 | 3.57 | 3.88 | 3.92 | 3.97 | 3.97 | 4.17 |
| Tanzania | 3.44 | 3.64 | 3.61 | 3.56 | 3.59 | 3.59 | 3.83 |
| Thailand | 5.02 | 4.89 | 4.77 | 4.98 | 5.01 | 5.01 | 5.15 |
| Timor Leste | 2.65 | 2.62 | 2.81 | 2.79 | 2.91 | ||
| Trinidad and Tobago | 4.47 | 4.00 | 3.57 | 4.06 | 4.34 | 4.34 | 4.13 |
| Tunisia | 5.00 | 4.32 | 4.13 | 3.94 | 3.87 | 3.87 | 3.62 |
| Turkey | 4.80 | 4.82 | 5.05 | 5.06 | 4.95 | 4.95 | 4.44 |
| Uganda | 3.80 | 4.02 | 3.98 | 3.59 | 3.48 | 3.48 | 4.03 |
| Ukraine | 3.23 | 3.25 | 3.53 | 3.40 | 3.45 | 3.45 | 3.59 |
| United Arab Emirates | 4.96 | 5.08 | 5.22 | 5.25 | 5.42 | 5.42 | 5.40 |
| United Kingdom | 5.56 | 5.42 | 5.28 | 5.29 | 5.46 | 5.46 | 5.27 |
| United States | 5.29 | 5.33 | 5.35 | 5.59 | 5.70 | 5.70 | 5.75 |
| Uruguay | 4.29 | 4.31 | 4.31 | 4.24 | 4.12 | 4.12 | 4.34 |
| Venezuela | 3.50 | 3.50 | 3.53 | 3.81 | 3.92 | 3.92 | 3.81 |
| Vietnam | 4.13 | 4.05 | 4.02 | 3.80 | 3.61 | 3.61 | 4.06 |
| Yemen | 2.53 | 2.74 | 2.58 | 2.40 | 2.46 | 2.52 | |
| Zambia | 4.12 | 3.96 | 4.06 | 4.03 | 3.86 | 3.86 | 4.00 |
| Zimbabwe | 3.67 | 3.60 | 3.29 | 3.19 | 3.11 | 3.11 | 3.37 |