Countries by Digital Payments Used

Complete ranking of 157 countries • % adults • Updated 2026

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Digital Payments Used ranking for 157 countries
				Percentile
1st	Denmark	100.0%	Europe	100%
2nd	Iceland	99.9%	Europe	99%
3rd	Germany	99.5%	Europe	99%
4th	Norway	99.5%	Europe	98%
5th	Austria	99.3%	Europe	97%
6th	United Kingdom	99.2%	Europe	97%
7th	Sweden	99.1%	Europe	96%
8th	Australia	98.9%	Oceania	96%
9th	Netherlands	98.8%	Europe	95%
10th	Estonia	98.7%	Europe	94%
11th	Finland	98.5%	Europe	94%
12th	France	98.4%	Europe	93%
13th	Canada	98.3%	North America	92%
14th	Luxembourg	98.3%	Europe	92%
15th	Switzerland	98.2%	Europe	91%
16th	Ireland	98.2%	Europe	90%
17th	South Korea	97.9%	Asia	90%
18th	New Zealand	97.6%	Oceania	89%
19th	Spain	97.5%	Europe	89%
20th	Belgium	97.4%	Europe	88%
21st	Slovenia	97.0%	Europe	87%
22nd	Japan	95.8%	Asia	87%
23rd	Italy	95.8%	Europe	86%
24th	Latvia	95.3%	Europe	85%
25th	Mongolia	94.9%	Asia	85%
26th	Singapore	94.8%	Asia	84%
27th	Slovakia	94.6%	Europe	83%
28th	Czechia	94.1%	Europe	83%
29th	United States	93.0%	North America	82%
30th	Hong Kong	92.8%	Asia	82%
31st	Greece	91.4%	Europe	81%
32nd	Israel	91.2%	Asia	80%
33rd	Lithuania	90.8%	Europe	80%
34th	Malta	90.7%	Europe	79%
35th	Portugal	90.6%	Europe	78%
36th	Kenya	89.3%	Africa	78%
37th	China	88.7%	Asia	77%
38th	Croatia	88.5%	Europe	76%
39th	Russia	87.4%	Europe	76%
40th	Cyprus	87.2%	Europe	75%
41st	Hungary	86.4%	Europe	75%
42nd	Iran	86.0%	Asia	74%
43rd	Kazakhstan	85.0%	Asia	73%
44th	Chile	84.3%	South America	73%
45th	Ukraine	82.9%	Europe	72%
46th	Thailand	82.8%	Asia	71%
47th	Poland	82.1%	Europe	71%
48th	Ghana	80.4%	Africa	70%
49th	Belarus	78.7%	Europe	69%
50th	Bulgaria	77.6%	Europe	69%
51st	Malaysia	77.5%	Asia	68%
52nd	Brazil	77.4%	South America	68%
53rd	Bahrain	77.3%	Asia	67%
54th	Serbia	77.0%	Europe	66%
55th	United Arab Emirates	76.6%	Asia	66%
56th	Saudi Arabia	75.7%	Asia	65%
57th	Venezuela	75.5%	North America	64%
58th	North Macedonia	75.2%	Europe	64%
59th	Kuwait	74.8%	Asia	63%
60th	Senegal	73.5%	Africa	62%
61st	Argentina	72.2%	South America	62%
62nd	Turkey	71.4%	Europe	61%
63rd	Zambia	71.2%	Africa	61%
64th	Uganda	70.6%	Africa	60%
65th	Georgia	69.4%	Europe	59%
66th	Uruguay	68.0%	South America	59%
67th	Maldives	67.8%	Asia	58%
68th	Namibia	67.6%	Africa	57%
69th	Kyrgyzstan	67.5%	Asia	57%
70th	South Africa	67.2%	Africa	56%
71st	Gabon	66.5%	Africa	55%
72nd	Montenegro	64.3%	Europe	55%
73rd	Trinidad and Tobago	64.1%	North America	54%
74th	Mauritius	64.0%	Africa	54%
75th	Romania	63.6%	Europe	53%
76th	Puerto Rico	63.6%	North America	52%
77th	Vietnam	62.4%	Asia	52%
78th	Bosnia and Herzegovina	62.1%	Europe	51%
79th	Eswatini	61.2%	Africa	50%
80th	Armenia	60.6%	Europe	50%
81st	Costa Rica	60.5%	North America	49%
82nd	Oman	60.4%	Asia	48%
83rd	Cameroon	59.6%	Africa	48%
84th	Lesotho	58.4%	Africa	47%
85th	Tanzania	57.1%	Africa	46%
86th	Botswana	56.9%	Africa	46%
87th	Côte d'Ivoire	56.5%	Africa	45%
88th	Paraguay	55.5%	South America	45%
89th	Nigeria	54.5%	Africa	44%
90th	Congo	54.2%	Africa	43%
91st	Togo	53.1%	Africa	43%
92nd	Dominican Republic	52.5%	North America	42%
93rd	Panama	52.1%	North America	41%
94th	Mali	51.8%	Africa	41%
95th	Peru	51.7%	South America	40%
96th	Azerbaijan	51.6%	Europe	39%
97th	Belize	51.2%	North America	39%
98th	Mozambique	50.5%	Africa	38%
99th	Moldova	50.5%	Europe	38%
100th	Liberia	50.2%	Africa	37%
101st	Uzbekistan	49.9%	Asia	36%
102nd	Jamaica	49.7%	North America	36%
103rd	Tajikistan	49.3%	Asia	35%
104th	Colombia	49.2%	North America	34%
105th	Malawi	48.9%	Africa	34%
106th	India	48.5%	Asia	33%
107th	Burkina Faso	48.4%	Africa	32%
108th	Benin	47.7%	Africa	32%
109th	Sri Lanka	47.3%	Asia	31%
110th	Zimbabwe	46.7%	Africa	31%
111st	Bolivia	43.6%	South America	30%
112nd	Ecuador	43.3%	South America	29%
113rd	Indonesia	42.7%	Asia	29%
114th	Mexico	41.4%	North America	28%
115th	Philippines	40.3%	Asia	27%
116th	Myanmar	39.9%	Asia	27%
117th	Rwanda	38.9%	Africa	26%
118th	Jordan	38.2%	Asia	25%
119th	Somalia	38.1%	Africa	25%
120th	Congo, Democratic Republic	37.1%	Africa	24%
121st	Sierra Leone	36.7%	Africa	24%
122nd	Egypt	36.3%	Africa	23%
123rd	Albania	35.3%	Europe	22%
124th	Turkmenistan	34.3%	Asia	22%
125th	Bangladesh	33.9%	Asia	21%
126th	Cambodia	32.3%	Asia	20%
127th	Morocco	32.0%	Africa	20%
128th	Guinea	31.8%	Africa	19%
129th	Honduras	30.0%	North America	18%
130th	Comoros	28.3%	Africa	18%
131st	Nepal	28.1%	Asia	17%
132nd	El Salvador	28.0%	North America	17%
133rd	Gambia	27.7%	Africa	16%
134th	Haiti	27.5%	North America	15%
135th	Laos	26.5%	Asia	15%
136th	Angola	25.0%	Africa	14%
137th	Iraq	25.0%	Asia	13%
138th	Pakistan	24.6%	Asia	13%
139th	Mauritania	24.4%	Africa	12%
140th	Tunisia	23.7%	Africa	11%
141st	Libya	23.5%	Africa	11%
142nd	Guatemala	22.6%	North America	10%
143rd	Madagascar	21.7%	Africa	10%
144th	Palestine	20.8%	Asia	9%
145th	Ethiopia	20.7%	Africa	8%
146th	Lebanon	20.3%	Asia	8%
147th	Chad	18.0%	Africa	7%
148th	Bhutan	17.2%	Asia	6%
149th	Nicaragua	16.4%	North America	6%
150th	Algeria	13.1%	Africa	5%
151st	Niger	12.3%	Africa	4%
152nd	Sudan	12.0%	Africa	4%
153rd	Yemen	9.3%	Asia	3%
154th	Central African Republic	9.3%	Africa	3%
155th	Afghanistan	7.9%	Asia	2%
156th	South Sudan	4.8%	Africa	1%
157th	Burundi	4.3%	Africa	1%

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