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Best Countries for Banking & Fintech 2026

Compare banking accessibility, fintech infrastructure, and digital payment systems across 229 countries. Find destinations where managing money as an expat or nomad is effortless.

#	Country	Score
1	Luxembourg	81.5
2	United States	81.1
3	Switzerland	81.1
4	Singapore	80.3
5	Hong Kong	80.2
6	Gibraltar	79
7	Austria	78.7
8	United Kingdom	77.8
9	U.S. Virgin Islands	77.3
10	Greenland	76.9
11	Canada	76.8
12	Estonia	76.4
13	Georgia	76
14	Guam	75.9
15	Germany	75.7
16	Australia	75.4
17	United Arab Emirates	75
18	Netherlands	74.8
19	Cayman Islands	74.4
20	New Zealand	74.3
21	Sweden	74.3
22	British Virgin Islands	74.2
23	Turks and Caicos Islands	74.1
24	Malta	74.1
25	Aruba	73.6
26	Northern Mariana Islands	73.6
27	Trinidad and Tobago	73.5
28	Bermuda	73.4
29	Finland	73.4
30	Faroe Islands	73.3
31	Ireland	73.3
32	Liechtenstein	73.2
33	Puerto Rico	73.1
34	American Samoa	73
35	Bahrain	72.7
36	Iceland	72.7
37	Panama	72.4
38	Chinese Taipei	71.7
39	France	71.6
40	Portugal	71.5
41	Malaysia	71.2
42	Bosnia and Herzegovina	71.1
43	Sint Maarten	71
44	Thailand	70.9
45	Israel	70.9
46	Lithuania	70.9
47	North Macedonia	70.8
48	Czech Republic	70.7
49	Curacao	70.6
50	Uruguay	70.5
51	Macau	70.5
52	Denmark	70.2
53	Korea Republic	70.2
54	Montenegro	70.1
55	Latvia	70.1
56	Japan	70
57	Qatar	70
58	Cyprus	70
59	Spain	69.8
60	Saudi Arabia	69.8
61	Slovenia	69.8
62	Belgium	69.8
63	Mauritius	69.8
64	Kuwait	69.5
65	Norway	69.4
66	Kazakhstan	69.2
67	Slovakia	69.2
68	Italy	69.2
69	Dominican Republic	69.1
70	Kyrgyzstan	69.1
71	Monaco	69.1
72	Serbia	69
73	Namibia	68.8
74	Croatia	68.7
75	Armenia	68.6
76	El Salvador	68.3
77	Brazil	68.2
78	Mongolia	68.1
79	Costa Rica	68
80	Montserrat	68
81	Oman	68
82	Botswana	67.8
83	Uzbekistan	67.8
84	Poland	67.7
85	Kosovo	67.6
86	Chile	66.7
87	Martinique	66.6
88	Swaziland	66.4
89	Hungary	66.3
90	Peru	66.1
91	Réunion	66.1
92	Guadeloupe	65.9
93	Paraguay	65.7
94	Turkey	65.5
95	French Guiana	65.3
96	Maldives	65.2
97	South Africa	65.1
98	Saint-Martin	64.9
99	Vietnam	64.9
100	New Caledonia	64.8
101	Tahiti	64.6
102	Bulgaria	64.5
103	Brunei	64.3
104	Bahamas	63.9
105	Cook Islands	63.6
106	Saint Pierre and Miquelon	63.5
107	Guatemala	63.3
108	Azerbaijan	63.2
109	Gabon	63
110	Romania	62.7
111	Lesotho	62.6
112	Jamaica	62.5
113	Cambodia	62.4
114	Andorra	62.4
115	China	62.3
116	Bolivia	62.3
117	Moldova	61.9
118	Rwanda	61.9
119	Mexico	61.8
120	Seychelles	61.7
121	Honduras	61.7
122	Greece	61.7
123	Belize	61.7
124	Albania	61.6
125	Jordan	61.6
126	Egypt	61.6
127	San Marino	61.2
128	Zambia	61.2
129	Philippines	60.9
130	Tajikistan	60.8
131	Ecuador	60.8
132	Bhutan	60.7
133	Niue	60.7
134	Uganda	60.6
135	Argentina	60.3
136	Colombia	60.3
137	Indonesia	60
138	Nicaragua	59.8
139	Senegal	59.6
140	Kenya	59.5
141	Barbados	59.5
142	Tanzania	59.5
143	Nepal	59.5
144	Mayotte	59.4
145	Ukraine	58.9
146	Sri Lanka	58.9
147	Congo	58.6
148	Djibouti	58.2
149	Antigua and Barbuda	58
150	Gambia	57.5
151	Saint Kitts and Nevis	57
152	Tunisia	57
153	Tonga	56.8
154	Fiji	56.6
155	Grenada	56.6
156	Ghana	56.3
157	Belarus	56.2
158	Russia	56.1
159	Morocco	56
160	Saint Vincent and the Grenadines	56
161	Ivory Coast	55.9
162	Togo	55.9
163	Palestine	55.6
164	Nigeria	55.5
165	Mozambique	55.4
166	Suriname	55.1
167	Laos	55.1
168	Bangladesh	55
169	Anguilla	54.9
170	Cameroon	54.7
171	Malawi	54.7
172	Benin	54.3
173	Guyana	54.2
174	Mauritania	54.1
175	Wallis and Futuna	54.1
176	Comoros	54
177	India	53.9
178	Saint Lucia	53.7
179	Ethiopia	53.7
180	Iraq	53.6
181	Mali	53.3
182	Burkina Faso	53.3
183	Samoa	53
184	Solomon Islands	53
185	Cape Verde	52.7
186	Micronesia	52.7
187	Guinea	52.6
188	Liberia	52.5
189	Dominica	51.9
190	Vanuatu	50.9
191	Madagascar	50.8
192	Papua New Guinea	50.6
193	Palau	50.2
194	Venezuela	50.2
195	Algeria	48.9
196	Congo DR	48.3
197	Angola	48.2
198	Libya	47.8
199	São Tomé and Príncipe	47.8
200	Sierra Leone	47.1
201	Equatorial Guinea	47.1
202	Zanzibar	46.4
203	Burundi	45.6
204	Niger	45.5
205	Turkmenistan	45.4
206	Central African Republic	45.1
207	Zimbabwe	44.6
208	Pakistan	44.1
209	Haiti	42.9
210	Nauru	42.3
211	Timor-Leste	41.7
212	Myanmar	41.5
213	Kiribati	41.3
214	Chad	40.3
215	Iran	39
216	Tuvalu	38.5
217	Guinea-Bissau	38.4
218	Marshall Islands	38.3
219	Lebanon	33.6
220	Cuba	32.9
221	Sudan	31.6
222	Eritrea	31.1
223	Afghanistan	30.5
224	Somalia	30
225	Yemen	29.7
226	Western Sahara	28.7
227	South Sudan	28.4
228	Syria	28.3
229	Korea DPR	12.2

How the Banking and Fintech Score Is Calculated

The overall score is a weighted average across eight indicators. Nomadino calculates: banking and fintech score = expat banking ease × 0.20 + banking stability × 0.18 + international SWIFT wire access × 0.16 + fintech development × 0.15 + ATM availability × 0.10 + banking secrecy index × 0.08 + automatic tax-information exchange × 0.07 + cash payment limit × 0.06.

Expat banking ease: 20%
Banking stability: 18%
International SWIFT wire access: 16%
Fintech development: 15%
ATM availability: 10%
Banking secrecy index: 8%
Automatic tax-information exchange: 7%
Cash payment limit: 6%

Nomadino uses normalized indicator scores on a 0 to 100 scale, where higher means better practical banking, payment and fintech conditions. Account opening, banking stability and international transfers receive the highest combined weight because a country is only strong if foreigners can get an account, the banking system is resilient and money can move internationally in a reliable way.

Fintech is almost as important because digital payments, mobile accounts and modern financial services shape daily usability. ATMs remain relevant, but receive a lower weight because they mainly capture cash access and backup resilience. Banking secrecy and automatic tax-information exchange represent the privacy and transparency side, but should not dominate the board. Cash payment limits are a supplementary freedom and everyday-use indicator, so they receive the smallest weight. If an indicator is removed with the checkbox, Nomadino divides by the sum of the remaining weights, preserving the relative importance of the active indicators.