Global Banking Correlations & Insights

Global Banking Correlations & Insights

Patterns and correlations across banks and ATMs worldwide, based on our directory of 444,928 locations across 221 countries. These figures recompute automatically and grow as the directory is enriched.

444,928Listings
345,911Bank branches
99,017ATMs
221Countries
69,371Cities
86,723Bank brands

Which countries rely most on ATMs versus bank branches?

The most ATM-oriented market is Netherlands with 1.33 ATMs per branch, while Morocco is the most branch-oriented at 0.03.

Most ATM-oriented

#CountryBranchesATMsATMs/branch
1Netherlands1,0341,3781.33
2Slovakia9031,1261.25
3Czechia1,3601,6891.24
4Croatia8231,0091.23
5Armenia4755661.19
6Azerbaijan4374751.09
7New Zealand6394960.78
8Belarus2,1171,5890.75
9Hungary1,5841,1650.74
10Poland6,7954,8370.71
11Slovenia3042000.66
12Ireland7925060.64

Most branch-oriented

#CountryBranchesATMsATMs/branch
1Morocco2,447820.03
2South Korea5,3821680.03
3Guatemala1,172700.06
4China9,5166960.07
5Venezuela2,0271400.07
6Argentina4,0983370.08
7Belgium2,8012110.08
8Brazil10,9068350.08
9Kenya1,054830.08
10Austria3,7283530.09
11Pakistan3,3002940.09
12Dominican Republic728710.1

Which countries have the most banks and ATMs per inhabitant?

Austria has the highest density in our directory, with 41 bank branches per 100,000 inhabitants.

Density is based on the locations we have recorded, divided by national population. As coverage differs by country, treat this as a coverage-weighted indicator rather than an official branch density.

#CountryBranches/100kBranchesPopulation
1Austria413,7289,100,000
2Luxembourg35234660,000
3Cyprus283631,300,000
4Germany2722,83083,300,000
5France2617,98968,000,000
6Portugal252,66910,500,000
7Switzerland252,2188,800,000
8Belgium242,80111,700,000
9Spain2311,28248,400,000
10Belarus222,1179,500,000
11Moldova215322,500,000
12Croatia218233,900,000
13Ukraine207,27036,700,000
14Mongolia196623,400,000
15Montenegro19120620,000
16Italy1911,12358,900,000
17Poland196,79536,700,000
18Iceland1766380,000
19Armenia174752,800,000
20Bulgaria171,1456,800,000

ATMs per 100,000 inhabitants

#CountryATMs/100kATMsPopulation
1Croatia261,0093,900,000
2Latvia223991,800,000
3Slovakia211,1265,400,000
4Armenia205662,800,000
5Belarus171,5899,500,000
6Lithuania164542,800,000
7Czechia161,68910,500,000
8Singapore137915,900,000
9Luxembourg1388660,000
10Poland134,83736,700,000
11Hungary121,1659,600,000
12Estonia121541,300,000
13Switzerland109228,800,000
14France107,09468,000,000
15Ukraine103,77536,700,000
16Ireland105065,100,000
17New Zealand104965,200,000
18Slovenia102002,100,000
19Netherlands81,37817,800,000
20Malta840520,000

Fewest ATMs per capita (people per ATM)

#CountryPeople per ATMATMsPopulation
1Nigeria9,730,43523223,800,000
2Ethiopia7,027,77818126,500,000
3Turkmenistan6,500,00016,500,000
4Angola6,116,667636,700,000
5Afghanistan5,275,000842,200,000
6Rwanda4,700,000314,100,000
7Cameroon4,085,714728,600,000
8Democratic Republic of the Congo3,196,87532102,300,000
9Sierra Leone2,933,33338,800,000
10Zimbabwe2,385,714716,700,000
11Burkina Faso2,320,0001023,200,000
12China2,048,4206961,425,700,000
13Guinea2,028,571714,200,000
14Madagascar2,020,0001530,300,000
15Egypt1,707,57666112,700,000
16Côte d'Ivoire1,605,5561828,900,000
17Haiti1,300,000911,700,000
18Mozambique1,255,5562733,900,000
19Mauritania1,225,00044,900,000
20Syria1,221,0531923,200,000

Where is the gap between lending and savings rates widest?

Madagascar has the widest gap between lending and savings rates in our data, at 47.92 %.

Widest lending–savings spread

#CountryLending rateSavings rateSpread
1Madagascar60.00 %12.08 %47.92 %
2Zimbabwe46.36 %6.24 %40.12 %
3Brazil45.33 %7.70 %37.63 %
4Tajikistan23.55 %5.18 %18.37 %
5Kyrgyzstan19.78 %1.67 %18.11 %
6Democratic Republic of the Congo24.11 %7.89 %16.21 %
7The Gambia22.00 %6.50 %15.50 %
8São Tomé and Príncipe17.74 %2.37 %15.38 %
9Sierra Leone21.44 %7.04 %14.40 %
10South Sudan14.29 %0.08 %14.21 %
11Federated States of Micronesia12.62 %0.04 %12.58 %
12Mozambique17.53 %5.77 %11.76 %
13Angola19.37 %7.98 %11.39 %
14Mauritania17.00 %5.67 %11.33 %
15Argentina46.02 %34.86 %11.16 %
16Djibouti11.32 %0.78 %10.55 %
17Uganda19.85 %9.39 %10.46 %
18Tanzania16.68 %6.68 %10.00 %
19East Timor10.41 %0.46 %9.95 %
20Ukraine19.70 %9.95 %9.75 %
21Guinea12.88 %3.33 %9.55 %
22Mongolia16.01 %6.60 %9.41 %
23Liberia12.99 %3.80 %9.20 %
24Paraguay12.51 %3.42 %9.09 %
25Myanmar14.83 %5.83 %9.00 %

The spread is the lending rate minus the savings (deposit) rate — a rough measure of banking-sector margins. A wide gap means borrowers pay far more than savers receive. Lending and savings rates are sourced from the International Monetary Fund, the European Central Bank and the World Bank, refreshed weekly.

Which countries have the most drive-through banking?

United States has the most drive-through banking locations among those recorded, with 9,155 locations.

#CountryDrive-through locations
1United States9,155
2Canada475
3India292
4Indonesia161
5Mexico94
6Spain92
7France80
8Iran76
9Argentina63
10Saudi Arabia53
11Ukraine51
12Colombia47
13Guatemala45
14Ecuador34
15Honduras32
16Bangladesh32
17Germany29
18Bolivia28
19El Salvador26
20Myanmar26

How wheelchair-accessible are banks by country?

Venezuela has the highest share of wheelchair-accessible locations among those recorded, at 99.4%.

#CountryAccessible %Recorded
1Venezuela99.4698
2Brazil99.0690
3Australia97.5280
4Sweden97.2106
5Argentina96.0126
6Finland95.5155
7Switzerland95.1736
8United States94.91,389
9United Kingdom94.51,043
10Ireland94.3300
11Canada93.5635
12France93.26,554
13Austria93.11,199
14Slovakia92.5360
15Philippines92.1177
16Netherlands92.1304
17Belarus91.8134
18Japan89.71,353
19Germany88.816,839
20Belgium86.8144

How concentrated are national banking markets?

Greece has the most concentrated banking market, where the top five brands hold 75.7 % of branches.

#CountryTop-5 share %Brands
1Greece75.7114
2Netherlands73.9159
3Brazil70.4718
4Australia70.2245
5Czechia63.5211
6Spain63.1454
7Belarus62.2322
8Canada61.8571
9Belgium60.3382
10Ukraine59.9715
11France57.91,154
12Russia571,984
13Mexico56.9307
14Chile54.4151
15Portugal54.3217
16United Kingdom50.6403
17Morocco50.3322
18Venezuela49.6143
19Malaysia47.3179
20Iran47.2779
21Romania46.5584
22Bulgaria46127
23Austria45.31,072
24Hungary41.8283
25Guatemala41.7254

Most diverse markets

#CountryDistinct brandsBranches
1United States6,82136,435
2Germany6,21522,815
3Japan5,45912,037
4India4,09515,811
5China2,3559,490
6South Korea2,1285,382
7Italy2,05411,122
8Russia1,98420,904
9Indonesia1,6976,574
10Nepal1,6922,942
11Poland1,2506,794
12Philippines1,2127,568
13France1,15417,990
14Austria1,0723,728
15Ethiopia1,0161,309
16Bangladesh9552,800
17Pakistan7983,253
18Iran77911,747
19Norway730733
20Brazil71810,891
21Ukraine7157,269
22Ecuador6951,785
23Peru6372,287
24Colombia5992,929
25Uzbekistan595840

What is typically located next to a bank?

Most often, a bank or ATM has food and drink nearby — found close to about 83% of locations in our sample.

Based on the surroundings of 50,000 sampled locations.

How often each is nearby

Public transport76.8%
Food & drink82.6%
Hotels42.9%
Parking40%
Another ATM48.4%
Shops & services75.5%

Most common food spots nearby

  • Cafe 46,721
  • Fast Food 37,175
  • Pizza 4,073
  • Regional 3,965
  • Italian 3,374
  • Chinese 2,468
  • Korean 2,275
  • Asian 1,211
  • German 1,179
  • Greek 1,119

How are banks identified by code around the world?

Beyond the international SWIFT/BIC code, many countries run their own national systems — IFSC in India, Zengin in Japan, ACH routing numbers in the US. 108,430 banks in our directory carry more than one code type.

US routing-number density by state

#US StateWith routing no.Listings
1California2,9093,721
2New York2,0493,654
3Florida2,0222,837
4Pennsylvania1,9112,532
5Washington1,6612,026
6Illinois1,5792,148
7Ohio1,4191,905
8Texas1,2841,714
9Michigan1,1501,479
10Virginia1,1051,828
11New Jersey1,0651,223
12Wisconsin1,0291,297
13Georgia9271,308
14North Carolina8751,389
15Oregon8671,018
16Maryland8641,173
17Massachusetts8621,043
18Missouri711856
19Colorado672899
20Minnesota627801

Local bank-code systems (IFSC, Zengin, ACH, …)

#CountryCode systemBanks
1RussiaBIK29,367
2JapanZengin11,081
3SpainCódigo de entidad10,671
4GermanyBLZ10,054
5BrazilCOMPE9,737
6IndiaIFSC9,074
7CanadaInstitution number5,622
8South KoreaBank code5,234
9FranceCode banque5,107
10IndonesiaBank code5,083
11ItalyABI4,604
12MexicoClave Banxico3,765
13TurkeyEFT code3,678
14ArgentinaCBU2,903
15MoroccoCode banque1,488
16VietnamBank code1,090
17ThailandBank code1,001
18AustraliaBSB960
19United KingdomBIK505
20PolandBIK498

Which countries publish the most contact data?

Russia has the most complete banking records in our directory, with an average field-fill of 63.9%.

#CountryCompleteness %Listings
1Russia63.930,779
2Spain56.513,591
3Brazil55.311,741
4Taiwan53.34,872
5Ukraine49.111,045
6Belgium45.43,012
7France44.125,094
8Canada43.37,613
9Mexico43.24,472
10Argentina42.74,435
11Venezuela42.42,167
12New Zealand41.51,135
13Germany41.028,419
14Greece39.02,047
15United Kingdom39.09,149
16Czechia38.93,049
17Hungary38.72,749
18Iran38.512,897
19Belarus38.13,706
20Portugal37.53,139

Email coverage by country

#CountryWith email %Listings
1Armenia51.61,041
2Venezuela29.22,167
3Serbia25.3822
4Hungary23.12,749
5Austria22.44,081
6Denmark21.7699
7Angola20.9593
8Moldova19.4640
9Bulgaria18.91,571
10Algeria17.81,339
11Myanmar17.71,480
12Belarus16.73,706
13Dominican Republic16.0799
14Kazakhstan13.61,833
15Slovenia13.5504
16Ukraine13.411,045
17Costa Rica13.1974
18Croatia12.91,832
19Nepal12.93,395
20Italy12.713,833

Phone coverage by country

#CountryWith phone %Listings
1Taiwan82.14,872
2Armenia55.81,041
3Ukraine43.511,045
4Venezuela39.72,167
5Russia39.230,779
6Kazakhstan30.61,833
7Latvia29.0558
8Singapore23.91,083
9Belarus23.83,706
10Austria22.54,081
11Bulgaria22.21,571
12Nepal22.03,395
13Japan20.918,133
14Argentina19.84,435
15France19.825,094
16Serbia19.1822
17Germany17.128,419
18Uzbekistan14.8939
19Italy14.113,833
20Slovenia14.1504

How complete is the banking data?

Our directory is an open, growing dataset. Coverage of each field — logos, websites, emails and bank codes — is shown below and rises continuously as enrichment proceeds.

All listings (444,928)

Logo64% 284,920
Website58.6% 260,749
Email6.4% 28,343
Phone13.5% 60,208
SWIFT/BIC54% 240,294
Routing number7.5% 33,490
Local bank code27.9% 124,253

Bank branches (345,911)

Logo64.9% 224,435
Website71.2% 246,360
Email7.3% 25,344
Phone13% 44,884
SWIFT/BIC56.6% 195,697
Routing number8.3% 28,663
Local bank code29.9% 103,391

ATMs (99,017)

Logo61.1% 60,485
Website14.5% 14,389
Email3% 2,999
Phone15.5% 15,324
SWIFT/BIC45% 44,597
Routing number4.9% 4,827
Local bank code21.1% 20,862

Which countries have the most online-transparent banks?

Brazil has the highest share of branches with a published website, at 85.3%.

#CountryWith website %Listings
1Brazil85.311,741
2Taiwan83.44,872
3Belgium82.23,012
4Venezuela81.12,167
5Spain79.713,591
6Mexico79.44,472
7Iran79.012,897
8Canada74.07,613
9Australia71.83,453
10Argentina70.04,435
11Russia69.430,779
12Austria69.24,081
13Tunisia68.71,103
14United Kingdom68.59,149
15Romania67.83,507
16Armenia67.61,041
17Bulgaria67.51,571
18Algeria66.81,339
19Ukraine66.311,045
20Germany66.028,419
21Philippines64.78,449
22France63.825,094
23Kazakhstan63.21,833
24Hungary63.12,749
25Belarus60.73,706

SWIFT/BIC coverage

#CountryWith SWIFT %Listings
1Russia95.330,779
2Taiwan86.44,872
3Iran84.812,897
4New Zealand84.51,135
5Ukraine84.511,045
6Spain83.913,591
7Bangladesh83.23,267
8Singapore82.41,083
9Czechia82.13,049
10Belgium81.23,012
11Ireland80.11,298
12Greece78.22,047
13France74.325,094
14Philippines73.18,449
15Netherlands72.72,412
16Portugal71.63,139
17United Kingdom71.69,149
18Malaysia68.92,846
19China65.510,212
20Hungary63.32,749
21Brazil63.211,741
22Pakistan63.03,594
23Romania62.83,507
24United States57.145,321
25Indonesia56.98,288

Figures drawn from our directory of 444,928 banks and ATMs worldwide. Updated automatically. Last refresh: 2026-11-09 12:36:30.