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ATM Availability

Number of ATMs per 100,000 inhabitants (World Bank Financial Access Survey 2023). Captures how easily cash can be accessed nationwide — critical in countries where card acceptance is limited. Exceptional density (>200/100k): South Korea 282, Liechtenstein 248, Chinese Taipei 175, Hong Kong 155, Japan 135, Austria 148, Portugal 148, Germany 148, Canada 112. Low density (<15/100k): South Sudan 2, Somalia 2, Afghanistan 2, North Korea 1, Eritrea 4, Niger 5, Chad 5. In many developing countries, a single ATM serves an entire district. Modern cashless societies like Sweden (38) intentionally have low ATM density because digital payments dominate — the score does not penalize this since the formula caps at 200, but raw value context matters. For nomads: high ATM density means accessible emergency cash, lower withdrawal fees from competitive networks, and backup when card terminals fail.

#↑ Country↕ Raw Value↕ Score↕
1 Korea Republic282 282 100
1 Liechtenstein248 248 100
3 Chinese Taipei175 175 87
4 Hong Kong155 155 77
5 Germany148 148 74
5 Monaco148 148 74
5 Austria148 148 74
5 Portugal148 148 74
9 Switzerland142 142 71
10 Belgium138 138 69
11 Japan135 135 67
12 United States130 130 65
13 England128 128 64
13 Spain128 128 64
15 Australia125 125 62
15 Italy125 125 62
17 Croatia118 118 59
18 Canada112 112 56
18 San Marino112 112 56
18 Cyprus112 112 56
18 Iceland112 112 56
22 Scotland110 110 55
23 Netherlands108 108 54
23 Greece108 108 54
25 Gibraltar105 105 52
26 Wales102 102 51
26 Andorra102 102 51
28 Northern Ireland98 98 49
28 Luxembourg98 98 49
28 Macau98 98 49
28 France98 98 49
28 Slovenia98 98 49
33 Bulgaria95 95 48
33 Israel95 95 48
33 New Zealand95 95 48
36 China92 92 46
37 Turkey90 90 45
38 Malta88 88 44
39 Russia85 85 43
39 Cayman Islands85 85 43
41 Ireland78 78 39
41 Faroe Islands78 78 39
41 Bermuda78 78 39
44 Slovakia72 72 36
44 Bahamas72 72 36
46 Estonia68 68 34
46 Singapore68 68 34
46 Poland68 68 34
46 Qatar68 68 34
46 United Arab Emirates68 68 34
46 Serbia68 68 34
52 Bahrain65 65 33
52 Panama65 65 33
52 Martinique65 65 33
55 Latvia62 62 31
55 Denmark62 62 31
55 Réunion62 62 31
55 U.S. Virgin Islands62 62 31
55 Montenegro62 62 31
55 Guadeloupe62 62 31
61 Uruguay60 60 30
61 Puerto Rico60 60 30
63 Thailand58 58 29
63 Saudi Arabia58 58 29
63 Hungary58 58 29
66 Lithuania55 55 28
66 Belarus55 55 28
66 Norway55 55 28
66 Czech Republic55 55 28
66 French Guiana55 55 28
66 Kuwait55 55 28
66 Aruba55 55 28
66 Curacao55 55 28
66 Malaysia55 55 28
66 Turks and Caicos Islands55 55 28
66 Barbados55 55 28
66 Antigua and Barbuda55 55 28
66 Georgia55 55 28
66 Guam55 55 28
66 Chile55 55 28
81 Finland52 52 26
81 Brunei52 52 26
81 Romania52 52 26
81 British Virgin Islands52 52 26
81 Sint Maarten52 52 26
81 New Caledonia52 52 26
87 Mauritius48 48 25
87 Oman48 48 25
87 Tahiti48 48 25
87 Trinidad and Tobago48 48 25
87 North Macedonia48 48 25
87 Anguilla48 48 25
87 Saint-Martin48 48 25
87 Costa Rica48 48 25
95 Saint Pierre and Miquelon45 45 23
95 American Samoa45 45 23
95 Jamaica45 45 23
98 Seychelles42 42 22
98 Bosnia and Herzegovina42 42 22
98 Saint Lucia42 42 22
98 Albania42 42 22
98 Saint Kitts and Nevis42 42 22
98 Northern Mariana Islands42 42 22
104 South Africa40 40 21
104 Armenia40 40 21
106 Kosovo38 38 20
106 Sweden38 38 20
106 Brazil38 38 20
106 Ukraine38 38 20
106 Kazakhstan38 38 20
106 Belize38 38 20
106 Azerbaijan38 38 20
106 Saint Vincent and the Grenadines38 38 20
106 Grenada38 38 20
106 Lebanon38 38 20
106 Dominican Republic38 38 20
117 Namibia35 35 18
117 Argentina35 35 18
117 Mexico35 35 18
117 Fiji35 35 18
121 Jordan32 32 17
121 Peru32 32 17
121 Dominica32 32 17
124 Maldives30 30 16
124 Botswana30 30 16
126 Suriname28 28 15
126 Guyana28 28 15
126 Moldova28 28 15
126 Colombia28 28 15
126 Montserrat28 28 15
126 Ecuador28 28 15
126 Philippines28 28 15
133 Uzbekistan25 25 13
133 Morocco25 25 13
133 Vietnam25 25 13
133 Mongolia25 25 13
133 Indonesia25 25 13
133 El Salvador25 25 13
139 Paraguay22 22 12
139 Sri Lanka22 22 12
139 Tunisia22 22 12
139 India22 22 12
139 Cape Verde22 22 12
139 Bolivia22 22 12
139 Mayotte22 22 12
139 Guatemala22 22 12
147 Laos20 20 11
147 Honduras20 20 11
147 Palau20 20 11
150 Cambodia18 18 10
150 Swaziland18 18 10
150 Egypt18 18 10
150 Cook Islands18 18 10
150 Samoa18 18 10
150 Djibouti18 18 10
150 Kyrgyzstan18 18 10
150 Nicaragua18 18 10
158 Ghana15 15 8
158 Gabon15 15 8
158 Venezuela15 15 8
158 Tonga15 15 8
158 Vanuatu15 15 8
158 Angola14 14 8
164 Ivory Coast12 12 7
164 Benin12 12 7
164 Lesotho12 12 7
164 Zimbabwe12 12 7
164 Cameroon12 12 7
164 Zambia12 12 7
164 Libya12 12 7
164 Marshall Islands12 12 7
164 Iraq12 12 7
164 Kenya12 12 7
164 Rwanda12 12 7
164 Palestine12 12 7
164 Niue12 12 7
164 Tajikistan12 12 7
164 Bhutan12 12 7
179 Gambia10 10 6
179 Burkina Faso10 10 6
179 Senegal10 10 6
179 Nigeria10 10 6
179 Mauritania10 10 6
179 Togo10 10 6
179 Congo10 10 6
179 Equatorial Guinea10 10 6
179 Nauru10 10 6
179 Zanzibar10 10 6
179 Tanzania10 10 6
179 São Tomé and Príncipe10 10 6
179 Algeria10 10 6
179 Wallis and Futuna10 10 6
179 Micronesia10 10 6
179 Pakistan10 10 6
179 Haiti10 10 6
179 Papua New Guinea10 10 6
179 Solomon Islands10 10 6
179 Nepal10 10 6
199 Mali8 8 5
199 Liberia8 8 5
199 Sudan8 8 5
199 Bangladesh8 8 5
199 Uganda8 8 5
199 Tuvalu8 8 5
199 Kiribati8 8 5
199 Ethiopia8 8 5
199 Cuba8 8 5
199 Turkmenistan8 8 5
199 Mozambique8 8 5
199 Malawi8 8 5
199 Comoros8 8 5
199 Myanmar8 8 5
199 Iran8 8 5
199 Timor-Leste8 8 5
215 Madagascar6 6 4
215 Guinea6 6 4
217 Syria5 5 3
217 Niger5 5 3
217 Guinea-Bissau5 5 3
217 Chad5 5 3
217 Sierra Leone5 5 3
217 Congo DR5 5 3
217 Burundi5 5 3
217 Central African Republic4 4 3
217 Eritrea4 4 3
226 Yemen3 3 2
226 Western Sahara3 3 2
226 South Sudan2 2 2
226 Somalia2 2 2
226 Afghanistan2 2 2
231 Korea DPR1 1 1