Country profile · Edition 1

🇵🇹Portugal

Europe

Score

69.6

Rank

19 of 46

Overview

Portugal ranks 19th of 46 economies, with a score of 69.6 out of 100. It is 10th of 14 ranked economies in Europe.

Strongest: Consumer protection, Government support, Financial education and Public awareness (100). Weakest: Credit literacy (26); Credit access (30).

Dimension scores

Credit literacy26.0

Credit access30.4

Financial inclusion80.1

Digital banking90.6

Innovation66.7

Consumer protection100.0

Government support100.0

Financial education100.0

Youth education66.7

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

26%26% of adults answered at least 3 of 4 financial concepts correctly (S&P Global FinLit, 2014)

88%88% of credit card users pay their balance in full (Findex, 2021)

30.4%30% of adults borrowed from a formal institution or via mobile money in the past year (Findex, 2021)

91.4%91% of adults have an account (Findex, 2024)

68.8%69% could raise emergency funds within 30 days without great difficulty (Findex, 2021)

90.6%91% of adults made or received a digital payment (Findex, 2021)

49415-year-olds scored 494 on PISA 2022 financial literacy (OECD average 498)

Youth education policy: nationwide

Financial education is part of the mandatory school curriculum nationwide. 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.