Egypt’s financial inclusion rate continued to rise, reaching 79% by the end of June 2026, compared with 77.6% at the end of 2025, reflecting broader access to financial services and increased use of banking and digital channels across different segments of society.

The Central Bank of Egypt (CBE) revealed that 56.4 million citizens held active accounts enabling them to conduct financial transactions by the end of June 2026, out of 71.4 million citizens aged 15 and above. This compares with approximately 54.7 million out of 70.5 million citizens at the end of December 2025.

The active accounts used by the CBE to measure financial inclusion include bank accounts, Egypt Post accounts, mobile wallets and prepaid cards, reflecting the range of channels available to citizens to access financial services and conduct transactions.

Financial Inclusion in Egypt from 2016 to 2026

Egypt’s financial inclusion indicators have recorded significant growth over recent years. The inclusion rate rose from 27.4% in 2016 to 79% by the end of June 2026, with reported growth of 229% over this period.

According to CBE data, financial inclusion rates developed as follows:

  • 2016: 27.4%.

  • 2017: 33.8%.

  • 2018: 38.5%.

  • 2019: 50.1%.

  • 2020: 52.7%.

  • 2021: 56.2%.

  • 2022: 64.8%.

  • 2023: 70.7%.

  • 2024: 74.8%.

  • June 2025: 76.3%.

  • December 2025: 77.6%.

  • June 2026: 79%.

These figures reflect a substantial increase in the number of citizens holding and using active financial accounts, rising from 17.1 million in 2016 to 56.4 million by the end of June 2026.

Women’s Financial Inclusion in Egypt Rises to 72.5%

Women’s financial inclusion has made considerable progress in recent years, supported by the CBE’s efforts to strengthen women’s economic empowerment and expand their access to financial products and services.

The financial inclusion rate among women in Egypt increased from 19.1% in 2016 to 72.5% by the end of June 2026, with reported growth of 327% compared with 2016.

Women’s financial inclusion rates developed as follows:

  • 2016: 19.1%.

  • 2017: 24.3%.

  • 2018: 28.2%.

  • 2019: 44.4%.

  • 2020: 46.4%.

  • 2021: 50.2%.

  • 2022: 57.6%.

  • 2023: 62.7%.

  • 2024: 68.8%.

  • June 2025: 70%.

  • December 2025: 71.4%.

  • June 2026: 72.5%.

These indicators reflect wider access to financial services for women and greater opportunities for participation in the formal financial system through programs and initiatives designed to promote women’s economic empowerment.

Youth Financial Inclusion in Egypt Reaches 58% by June 2026

Among young people aged 15 to 35, financial inclusion rose to 58% by the end of June 2026, compared with 36.3% in 2020, with reported growth of 85% over the period.

Youth financial inclusion rates developed as follows:

  • 2020: 36.3%.

  • 2021: 39.7%.

  • 2022: 46.6%.

  • 2023: 51.5%.

  • 2024: 53.1%.

  • June 2025: 54.4%.

  • December 2025: 56.8%.

  • June 2026: 58%.

This progress comes as part of the CBE’s efforts to expand young people’s access to financial services, increase participation in the formal financial sector, promote digital solutions and facilitate access to banking products and services.

The CBE attributed the rise in financial inclusion to its ongoing cooperation with the financial sector, ministries and relevant entities through programs and projects targeting underserved groups.

Key efforts include the presidential “Haya Karima” (Decent Life) initiative, the Smallholder Farmers Support Program, and initiatives targeting women and young people in cooperation with the Ministry of Youth and Sports and the National Council for Women.

These initiatives aim to broaden access to financial services, strengthen economic empowerment across different segments of society and increase participation in the formal financial system.