Country profile · Edition 1

🇪🇸Spain

Europe

Score

80.0

Rank

4 of 46

Overview

Spain ranks 4th of 46 economies, with a score of 80.0 out of 100. It is 2nd of 14 ranked economies in Europe.

Strongest: Innovation, Consumer protection, Financial education and Public awareness (100). Weakest: Credit literacy (49); Credit access (52).

Dimension scores

Credit literacy49.0

Credit access51.9

Financial inclusion88.3

Digital banking97.5

Innovation100.0

Consumer protection100.0

Government support87.5

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

49%49% of adults answered at least 3 of 4 financial concepts correctly (S&P Global FinLit, 2014)

87.2%87% of credit card users pay their balance in full (Findex, 2021)

51.9%52% of adults borrowed from a formal institution or via mobile money in the past year (Findex, 2021)

98.4%98% of adults have an account (Findex, 2024)

78.1%78% could raise emergency funds within 30 days without great difficulty (Findex, 2021)

97.5%98% of adults made or received a digital payment (Findex, 2021)

48615-year-olds scored 486 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.