Country profile · Edition 1

🇳🇱Netherlands

Europe

Score

74.8

Rank

14 of 46

Overview

Netherlands ranks 14th of 46 economies, with a score of 74.8 out of 100. It is 7th of 14 ranked economies in Europe.

Strongest: Consumer protection, Financial education and Public awareness (100). Weakest: Youth education (33); Credit access (34).

Dimension scores

Credit literacy66.0

Credit access34.4

Financial inclusion88.4

Digital banking98.8

Innovation66.7

Consumer protection100.0

Government support75.0

Financial education100.0

Youth education33.3

Public awareness100.0

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)

98%98% of credit card users pay their balance in full (Findex, 2021)

34.4%34% of adults borrowed from a formal institution or via mobile money in the past year (Findex, 2021)

99.2%99% of adults have an account (Findex, 2024)

77.5%78% could raise emergency funds within 30 days without great difficulty (Findex, 2021)

98.8%99% of adults made or received a digital payment (Findex, 2021)

51715-year-olds scored 517 on PISA 2022 financial literacy (OECD average 498)

Youth education policy: none

Financial education is not part of the mandatory school curriculum. There is no standalone course or graduation requirement. The national financial education strategy names young people or schools as a priority.

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