Unbanked population in the U.S. 2011-2024| ��ƽ��

Share of unbanked individuals in the United States from 2011 to 2024, by age, gender, and income level

Characteristic	2011	2014	2017	2021	2024
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Sources

Release date

July 2025

More information

Region

United States

Survey time period

2011 to 2024

Number of respondents

approx. 1,000 per country

Age group

15 years and older

Special properties

The figures shown are from a global survey held every 3 years. The data for 2024 is the most recent available, and was released in July 2025; Entire civilian, noninstitutionalized population

Method of interview

Face-to-face interviews, telephone interviews

Supplementary notes

This question was phrased by the source as follows: "An account can be used to save money, to make or to receive payments, or to receive wages or financial help. Do you, either by yourself or together with someone else, currently have an account at a bank or another type of formal financial institution? Yes or no?"

The source only provided figures for those who answered "yes". The figures shown have been calculated.

Comparisons with 2021 may be affected by survey mode changes. COVID-19 moved many countries from face-to-face to phone surveys in 2021; some reverted in 2024. Phone surveys can under-represent unbanked groups, causing artificial changes in inclusion data. Large reported shifts likely reflect these measurement changes rather than real trends.

Citation formats

According to a three-year survey, United States respondents without access to a banking account declined notably for the poorest segment between 2011 and 2024. The difference between this particular group of so-called "unbanked" respondents - or those who did not access to the services of a bank or another, similar financial organization - was ** percentage points by 2024, a notable decrease compared to the country's more rich counterparts. The report adds that men in the United States were more likely than men to be financially excluded from services like ATM machines, credit cards, or financial products like insurance or mortgages. The declining figures for unbanked population are reflected in the decreasing market share of cash in U.S. physical stores.