Country profile · Edition 1

🇩🇪Germany

Europe

Score

70.5

Rank

18 of 46

Overview

Germany ranks 18th of 46 economies, with a score of 70.5 out of 100. It is 9th of 14 ranked economies in Europe.

Strongest: Consumer protection (100); Digital banking (100). Weakest: Financial education (25); Youth education (33).

Dimension scores

Credit literacy66.0

Credit access54.7

Financial inclusion88.8

Digital banking99.5

Innovation66.7

Consumer protection100.0

Government support87.5

Financial education25.0

Youth education33.3

Public awareness50.0

Dimensions with no score are left out of the overall score, never counted as zero.

Not yet measured: Reporting transparency, Alternative infrastructure.

Survey indicators

66%66% of adults answered at least 3 of 4 financial concepts correctly (S&P Global FinLit, 2014)

90.8%91% of credit card users pay their balance in full (Findex, 2021)

54.7%55% of adults borrowed from a formal institution or via mobile money in the past year (Findex, 2021)

98.3%98% of adults have an account (Findex, 2024)

79.2%79% could raise emergency funds within 30 days without great difficulty (Findex, 2021)

99.5%100% of adults made or received a digital payment (Findex, 2021)

Youth education policy: partial

Financial education is in the school curriculum only in some regions, or as an optional or pilot subject. There is no standalone course or graduation requirement. Young people are mentioned in the national strategy but not as a priority, or the strategy has expired.

Policy dimensions record whether a policy exists, not how well it works.