Financial Inclusion in Egypt Surges: 54.7 Million Active Accounts

Financial inclusion indicators in Egypt continued their upward trajectory, reaching 77.6% by the end of 2025, driven by joint efforts between the government and the Central Bank of Egypt alongside the wider financial sector.

The number of citizens holding active accounts that enable financial transactions reached 54.7 million out of 70.5 million individuals aged 15 years and above, representing a remarkable growth rate of 219% between 2016 and 2025.

Active accounts are no longer limited to traditional banking services but now include postal financial services, mobile wallet platforms and prepaid payment cards.

These results reflect the implementation of Egypt’s financial inclusion strategy for the period 2022–2025, which was developed in coordination with relevant ministries and state institutions.

The strategy was designed based on field survey results covering individuals and micro, small and medium enterprises conducted in cooperation with the Central Agency for Public Mobilization and Statistics (CAPMAS) in 2020.

Financial inclusion among women witnessed a substantial leap, rising from 19.1% in 2016 to 71.4% by the end of 2025, an expansion rate of 316% during the period.

Youth participation also improved markedly, with inclusion rates among the 15–35 age group increasing from 36.3% in 2020 to 56.8%, reflecting a 79% growth rate.

These improvements were supported by programs aimed at promoting the economic empowerment of women and young people, as well as expanding access for underserved segments to formal financial systems.

Egypt is currently preparing its second financial inclusion strategy for the period 2026–2030 as part of its long-term economic development framework.

The new strategy is being developed in coordination with several ministries, including planning, finance, communications, agriculture, social solidarity, justice, education, higher education, trade, youth, and investment authorities.

Technical support is also being provided by the World Bank Group and the International Finance Corporation.

The upcoming strategy will rely on ongoing field surveys to analyze financial behavior patterns, identify access barriers and close service gaps.

Authorities aim to design evidence-based policies that encourage savings, expand financing opportunities and strengthen economic resilience for citizens, particularly vulnerable groups.