Global Money IQ: The World's Most Money-Savvy Countries
Do you feel confident when it comes to money? Many don't. Financial literacy and having good knowledge around personal finance differs in every individual, every household, and every country. Exactly how confident each country is when it comes to financial decisions is just what we wanted to investigate.
To do so, Remitly surveyed more than 5,000 people across 27 countries to benchmark financial literacy by country, covering everyday money knowledge, savings resilience, confidence, learning habits and worries. Each respondent answered an eight-question test, based on the World Bank's Development Research Group's definition of financial literacy,1 which revolves around a combination of knowledge, skills, attitudes, and behaviors necessary to make sound financial decisions and achieve individual financial well-being. Rather than treating it as a static test of math, the institution frames it as practical "financial capability" tied to real-world consumer behavior. The test assessed people's ability to get the "correct" answer to core personal finance topics such as interest rates, interest compounding, inflation and risk diversification. The countries with the highest percentage of right answers top the rankings. Surveying limitations meant not every country could be polled.
For anyone finding financial lingo and terminology confusing, Remitly has a glossary to financial literacy (opens in new window), to help you navigate financial language.
The findings reveal not only where the world's most money-savvy countries sit, but a much bigger story about the school education gap, the rise of AI as a financial teacher, and why, according to our data, 93.6% of the world now wants financial education made mandatory for school-age children.
To do so, Remitly surveyed more than 5,000 people across 27 countries to benchmark financial literacy by country, covering everyday money knowledge, savings resilience, confidence, learning habits and worries. Each respondent answered an eight-question test, based on the World Bank's Development Research Group's definition of financial literacy,1 which revolves around a combination of knowledge, skills, attitudes, and behaviors necessary to make sound financial decisions and achieve individual financial well-being. Rather than treating it as a static test of math, the institution frames it as practical "financial capability" tied to real-world consumer behavior. The test assessed people's ability to get the "correct" answer to core personal finance topics such as interest rates, interest compounding, inflation and risk diversification. The countries with the highest percentage of right answers top the rankings. Surveying limitations meant not every country could be polled.
For anyone finding financial lingo and terminology confusing, Remitly has a glossary to financial literacy (opens in new window), to help you navigate financial language.
The findings reveal not only where the world's most money-savvy countries sit, but a much bigger story about the school education gap, the rise of AI as a financial teacher, and why, according to our data, 93.6% of the world now wants financial education made mandatory for school-age children.
Key findings
- The Czech Republic ranks as the world's most money-savvy country in 2026 with 90.9% of respondents answering correctly on average.
- The Netherlands, Norway, Finland and Austria complete the top five, cementing Northern and Central Europe as the strongest region for personal finance skills globally.
- AI is reshaping how the world learns about money: 51.7% of people surveyed globally have used an AI tool like ChatGPT for financial advice in the past 12 months, and one in five (21.5%) say AI tools are where they've learned most of what they know about money.
- The feeling that there's an education gap is global: 70.5% of people across the countries surveyed say their school education didn't give them enough knowledge to manage money confidently as adults, and as many as 93.6% now want financial education to be mandatory for school-age children.
- Globally, the lowest scoring countries (South Africa, The United States and the UAE), still scored above 69.4%, indicating a good standard of financial literacy generally. The topics that were commonly misunderstood included adequate saving strategies and a reliance on borrowing or using credit.
The most money-savvy countries
| Rank | Country | % of correct answers |
|---|---|---|
| 1 | Czech Republic | 90.9 |
| 2 | Netherlands | 86.1 |
| 3 | Norway | 84.3 |
| 4 | Finland | 82.6 |
| 5 | Austria | 82.0 |
| 6= | Belgium | 81.8 |
| 6= | Germany | 81.8 |
| 8 | Sweden | 81.6 |
| 9 | Hungary | 81.3 |
| 10 | United Kingdom | 79.9 |
| 11 | Australia | 79.5 |
| 12 | Poland | 79.4 |
| 13= | Japan | 78.8 |
| 13= | New Zealand | 78.8 |
| 15 | Spain | 78.6 |
| 16 | Portugal | 78.1 |
| 17 | France | 77.5 |
| 18 | Greece | 76.6 |
| 19 | Brazil | 76.4 |
| 20 | Chile | 75.8 |
| 21 | Ireland | 75.6 |
| 22 | Canada | 75.5 |
| 23 | Italy | 75.0 |
| 24 | Mexico | 74.0 |
| 25 | United States | 72.0 |
| 26 | UAE | 70.8 |
| 27 | South Africa | 69.4 |
Which country is the world's most money-savvy?
Topping the ranking in our analysis of global financial literacy rates is the Czech Republic, with an impressive 90.9% correct answers on average. It's a result that tracks with the country's solid household savings culture (the Czech household saving rate hit 19.4% in early 20262, nearly double the EU average), and the above-OECD-average performance from Czech students in the most recent PISA maths rankings3. And it isn't just theory: 50% of Czech respondents said they could survive more than six months on their savings alone, the joint-highest rate in the entire study.
In second place is the Netherlands with respondents based there giving 86.1% correct answers. This is a country where government-backed financial education is arranged from a young age4 and household savings rates remain among the highest in the EU5. Norway (84.3%), Finland (82.6%) and Austria (82%) complete the top five.
European countries dominate the leaderboard, taking all top ten positions. Australia (11th), Japan (13th) and New Zealand (13th) break the European streak, all ranking within the top 15.
In second place is the Netherlands with respondents based there giving 86.1% correct answers. This is a country where government-backed financial education is arranged from a young age4 and household savings rates remain among the highest in the EU5. Norway (84.3%), Finland (82.6%) and Austria (82%) complete the top five.
European countries dominate the leaderboard, taking all top ten positions. Australia (11th), Japan (13th) and New Zealand (13th) break the European streak, all ranking within the top 15.
What makes the world's top 10 money-savvy?
Ranking well is one thing, but why do these 10 countries lead the world on money knowledge? Taking a closer look at each country's survey responses reveals 10 distinct money cultures, each with its own signature.
Czech Republic: the savings champions
Half of Czechs claim they could survive on their savings for more than six months if they lost their main source of income today. This is the joint-highest rate in the entire study. Just 9% have had to borrow to cover everyday living costs in the past year and as many as 79% plan to save more in the next 12 months, among the highest ambitions among leading countries. Czechs trust family and friends (33%) more than a financial advisor (26%) for money advice — a strong close-relations-network model for financial knowledge.
The Czech Republic (opens in new window) ranked first on questions regarding compound interest (97% of respondents answered correctly) and found difficulty with currency conversion (78%).
The Czech Republic (opens in new window) ranked first on questions regarding compound interest (97% of respondents answered correctly) and found difficulty with currency conversion (78%).
Netherlands: the school-taught, family-shaped country
The Netherlands stands out for how broadly its money knowledge is taught. As many as 78.2% of those surveyed cite parents or family as a learning source, 57.4% credit school (the highest schooling rate in the top 10, tied with Finland), but the Dutch are also twice as likely to trust a financial advisor (45.5%) for advice than their family or friends (23.3%). Respondents also worry less about money than their peers: only 22.3% worry often or constantly, the lowest rate globally.
When it comes to knowledge of interest and borrowing, the Netherlands is strong, 96.5% of survey respondents answered the question ‘suppose you need to borrow 100 US dollars. Which is the lower amount to pay back: 105 dollars or 100 dollars plus 3%’ correctly. Similarly to the Czech Republic, currency conversion proved a trickier topic, with just 66.6% getting the right answer.
When it comes to knowledge of interest and borrowing, the Netherlands is strong, 96.5% of survey respondents answered the question ‘suppose you need to borrow 100 US dollars. Which is the lower amount to pay back: 105 dollars or 100 dollars plus 3%’ correctly. Similarly to the Czech Republic, currency conversion proved a trickier topic, with just 66.6% getting the right answer.
Norway: high knowledge, real-world pressure
Norway has strong scores and high confidence overall, but a different story sits underneath: 24.8% of Norwegian respondents have had to borrow or use credit to cover everyday living costs in the past year.
When it came to financial literacy, Norwegians scored highly on the topics of currency conversion (2nd globally), investing (2nd) and cryptocurrency (3rd) but fared less well on inflation (13th) and interest and borrowing (16th).
When it came to financial literacy, Norwegians scored highly on the topics of currency conversion (2nd globally), investing (2nd) and cryptocurrency (3rd) but fared less well on inflation (13th) and interest and borrowing (16th).
Finland: the AI sceptics of the top 10
Finland is an AI outlier of the money-savvy top flight. Only 42.2% of Finns surveyed have used an AI tool for financial advice in the past year, compared to a global average of 51.7%. Finns also have the lowest savings resilience of any top-five country: 15% have no savings at all, and only 24% have more than six months of runway. The study reveals a demand for financial education, with 96% of Finnish respondents saying it should be mandatory in schools. Notably, not a single Finnish respondent said they never worry about money.
Respondents from Finland were remarkably consistent across all six financial literacy topics only scoring below the global average on currency conversion, where we asked whether it's typically cheaper to be charged in local or home currency when using your home debit card abroad. Check currency exchange rates for the UK (opens in new window) with Remitly and see how GBP correlates to other countries' currencies.
Respondents from Finland were remarkably consistent across all six financial literacy topics only scoring below the global average on currency conversion, where we asked whether it's typically cheaper to be charged in local or home currency when using your home debit card abroad. Check currency exchange rates for the UK (opens in new window) with Remitly and see how GBP correlates to other countries' currencies.
Austria: confident and family-taught
Austrians pair strong savings behaviour with high confidence: 40.7% of those surveyed said they could cover six or more months of living costs from savings, and 18.7% describe themselves as extremely confident with day-to-day money (the highest confidence rate globally alongside Germany). Austrians also lean on friends and family for financial advice, with 34.1% saying so, the highest rate in the top 10.
Consistency across all financial literacy topics was also apparent amongst Austrians with above global average scores across the board for every question, including the highest score worldwide on investing (95.9% correct responses).
Consistency across all financial literacy topics was also apparent amongst Austrians with above global average scores across the board for every question, including the highest score worldwide on investing (95.9% correct responses).
Belgium: the debt-averse disciplinarians
Belgium doesn't get much attention as a global financial-literacy leader, but the numbers tell a different story. 45.1% of Belgians surveyed could last more than six months on savings, the third-highest resilience rate in the top 10, behind only the Czech Republic and Japan. Belgian money knowledge is heavily family-taught: 77.2% cite parents or family as a learning source, one of the highest rates anywhere in the study. And only 15.2% have had to borrow for living costs, which is well below the top-10 average.
Belgium’s lowest financial literacy ranking was for inflation (12th globally), while its highest position was 5th globally for investing. Similar to Austria, Belgians scored above the global average on every financial literacy theme.
Belgium’s lowest financial literacy ranking was for inflation (12th globally), while its highest position was 5th globally for investing. Similar to Austria, Belgians scored above the global average on every financial literacy theme.
Germany: the confidence and AI leaders
Germany has the highest financial confidence in the entire top 10: nearly one in five (19%) we surveyed describe themselves as extremely confident with day-to-day money. Germany also leads on AI use: 55% have used an AI tool for financial advice, 27% cite AI tools as a learning source, and 19.5% would trust AI over other sources, the highest AI-trust rate in the study behind Japan (19.6%).
Germany’s weakest area of knowledge when it comes to finances is currency conversion, with just 61.3% answering these questions correctly, followed by inflation (80.1%).
Germany’s weakest area of knowledge when it comes to finances is currency conversion, with just 61.3% answering these questions correctly, followed by inflation (80.1%).
Sweden: the social-media learners
Sweden is one of the few top-10 countries where social media and influencers rival traditional sources for financial learning: 30% of Swedes we polled cite influencers as a source, which is above the top-10 average. Trust hasn't followed learning, though, with only 1% of Swedes saying they would take financial advice from social media, pointing to a gap between how people encounter money content and who they trust with it.
Despite their lofty position in the global rankings, Swedes scored under the global average on the question of interest and borrowing.
Despite their lofty position in the global rankings, Swedes scored under the global average on the question of interest and borrowing.
Hungary: the financial-advisor believers
Hungarians trust financial advisors more than any other top-10 country: 51.2% polled said they would go to one first for money advice, well above the global average of 42.6%. As many as 81.1% of Hungarians also say savings and budgeting is the most-missing topic from school curricula, with a further 65.7% saying the same about taxes. Only 8.5% have had to borrow to cover living costs, joint-lowest with Portugal.
Despite its top 10 global ranking, Hungary was never higher than fifth overall for any of the financial literacy questions included in the study. Only 6 in ten (59.3%) Hungarians responded correctly on currency conversion, mirroring the global trend of currency conversion being the financial topic the world is least literate in. Need to financially support your friends and family in Hungary? Use Remitly to send money to Hungary (opens in new window) safely and securely.
Despite its top 10 global ranking, Hungary was never higher than fifth overall for any of the financial literacy questions included in the study. Only 6 in ten (59.3%) Hungarians responded correctly on currency conversion, mirroring the global trend of currency conversion being the financial topic the world is least literate in. Need to financially support your friends and family in Hungary? Use Remitly to send money to Hungary (opens in new window) safely and securely.
United Kingdom: the cautious investors
Money worry runs high in the UK as one in three Brits (34.5%) say they think about their finances constantly or often, one of the highest rates among the top 10. Plenty are also turning to technology for help, as 51.2% have used AI tools like ChatGPT for financial advice, in line with the global average.
Savings resilience tells a slightly more divided story, however. While nearly a third (32%) of Brits say they could cover at least six months of living costs from savings alone, on the other end of the scale, one in five (20.7%) have less than a month’s worth - or nothing at all - put aside.
A topic where UK respondents answered correctly often was investing, with 91.1% answering investment-related questions correctly Currency conversion, however, proved to be the toughest topic: just 61.6% got these questions right, echoing the wider trend of currency conversion being the area the world struggles with the most.
Savings resilience tells a slightly more divided story, however. While nearly a third (32%) of Brits say they could cover at least six months of living costs from savings alone, on the other end of the scale, one in five (20.7%) have less than a month’s worth - or nothing at all - put aside.
A topic where UK respondents answered correctly often was investing, with 91.1% answering investment-related questions correctly Currency conversion, however, proved to be the toughest topic: just 61.6% got these questions right, echoing the wider trend of currency conversion being the area the world struggles with the most.
Financial literacy by topic: how does global knowledge compare on key financial themes?
Our study ranked countries on 8 core financial literacy questions covering six key financial themes — investing, inflation, interest & borrowing, compound interest, currency conversion and cryptocurrency, drawn from the World Bank study and new questions created by financial experts at Remitly. The global averages for how many respondents answered questions in each section correctly make for fascinating reading, highlighting financial topics where knowledge and confidence is high and, conversely, where greater worldwide education is required.
Knowledge of investing, cryptocurrency, interest and borrowing and compound interest was high across the board but pass rates drop off markedly when it comes to currency conversion and spending money abroad. If you're looking to convert currency, consider using the Remitly app to send money abroad (opens in new window).
Knowledge of investing, cryptocurrency, interest and borrowing and compound interest was high across the board but pass rates drop off markedly when it comes to currency conversion and spending money abroad. If you're looking to convert currency, consider using the Remitly app to send money abroad (opens in new window).
Financial literacy by topic
| Topic | Global average (percentage of respondents answering correctly) | Highest / lowest scoring country |
|---|---|---|
| Investing | 90% | Austria (95.9%) / Chile (78.2%) |
| Cryptocurrency | 86.9% | Netherlands (95.5%) / UAE (66%) |
| Interest and borrowing | 86.6% | Netherlands (96.5%) / United States (77.5%) |
| Compound interest | 84.8% | Czech Republic (96.5%) / South Africa (69.2%) |
| Inflation | 74.4% | Netherlands (84.7%) / UAE (59.4%) |
| Currency conversion | 60.2% | Czech Republic (78%) / Greece (52%) |
The world struggles to understand currency conversion the most out of all analysed financial concepts
Currency conversion is something almost everyone has to understand when travelling or sending money abroad, yet it’s the concept respondents understood the least, with just 60.2% answering questions correctly on average. The two questions on the topic asked people whether they’d typically be better off paying in local currency or home currency while abroad (e.g. when asked on a card machine), and to work out how much they’d be charged in a scenario if they were to use money transfer services. The latter question focused on exchange rates. Remitly, for example, provides fee information up-front so that users can see how much recipients will receive, with no hidden fees.
The question on charges for local versus home currency proved to be the biggest stumbling block, with only 57.8% of respondents correctly identifying that paying in local currency, when asked to choose between two on a machine, is typically the better option, making it the single most misunderstood question in the study. New Zealand struggled most of all, with just 41.6% answering currency conversion questions correctly. This can prove to be a challenge when someone is in another country and is presented with the option on a card machine for example.
Independent testing has consistently found that accepting dynamic currency conversion, essentially paying in your home currency rather than the local one, costs more. Analysis of around 1,500 transactions cited by BEUC, the European Consumer Organisation, found home-currency conversion was 7.6% more expensive on average and up to 12.4% at worst, while Stiftung Warentest measured increases of 2.6% to 12.0%. BEUC concludes that the home-currency rate is "almost always worse than 'standard' exchange rates".6
The question on charges for local versus home currency proved to be the biggest stumbling block, with only 57.8% of respondents correctly identifying that paying in local currency, when asked to choose between two on a machine, is typically the better option, making it the single most misunderstood question in the study. New Zealand struggled most of all, with just 41.6% answering currency conversion questions correctly. This can prove to be a challenge when someone is in another country and is presented with the option on a card machine for example.
Independent testing has consistently found that accepting dynamic currency conversion, essentially paying in your home currency rather than the local one, costs more. Analysis of around 1,500 transactions cited by BEUC, the European Consumer Organisation, found home-currency conversion was 7.6% more expensive on average and up to 12.4% at worst, while Stiftung Warentest measured increases of 2.6% to 12.0%. BEUC concludes that the home-currency rate is "almost always worse than 'standard' exchange rates".6
The savings safety net: how prepared is the world for a lost paycheque?
Money knowledge is one thing, real financial resilience is another. We asked people how many months they could cover their living costs from savings alone if they lost their main source of income today.
Globally, 31.3% of respondents could last more than six months, but a further 21.1% have less than a month of savings, or none at all. In the middle sit the 27.9% with one-to-three months of runway and the 19.7% with three-to-six.
Globally, 31.3% of respondents could last more than six months, but a further 21.1% have less than a month of savings, or none at all. In the middle sit the 27.9% with one-to-three months of runway and the 19.7% with three-to-six.
Confidence, worry and the state of everyday money management
When it comes to how people feel about managing their day-to-day finances, the picture is reassuring on paper, but more anxious underneath the surface.
Globally, 12.4% of respondents feel extremely confident and 31.8% very confident managing their day-to-day money. Another 37% are moderately confident, and only 4.9% say they don't feel confident at all. The most confident countries? Germany, where 19% describe themselves as extremely confident, followed by Austria (18.7%). At the other end, 10.5% of Irish respondents don't feel confident at all, the highest share of any country in the study.
But confidence and worry aren't the same thing. When asked how often they worry about their financial situation, almost one in two people globally (46.4%) worry often or constantly, of which 17.7% say they constantly worry. Even in the world's most money-savvy countries, feeling in control of your money and being at peace with it are two very different things.
Globally, 12.4% of respondents feel extremely confident and 31.8% very confident managing their day-to-day money. Another 37% are moderately confident, and only 4.9% say they don't feel confident at all. The most confident countries? Germany, where 19% describe themselves as extremely confident, followed by Austria (18.7%). At the other end, 10.5% of Irish respondents don't feel confident at all, the highest share of any country in the study.
But confidence and worry aren't the same thing. When asked how often they worry about their financial situation, almost one in two people globally (46.4%) worry often or constantly, of which 17.7% say they constantly worry. Even in the world's most money-savvy countries, feeling in control of your money and being at peace with it are two very different things.
The school gap: where financial education is falling short
One of the most striking findings in the study is the near-universal verdict on where the world didn't learn about money.
- 70.5% of people we surveyed globally say their school education didn't give them enough knowledge to manage money confidently as adults. This was most prominent in Japan, Portugal and Italy, where over 80% of respondents deem their financial education to be lacking.
- As many as 93.6% of people in the survey around the world now say financial education should be mandatory for school-age children.
- When asked which financial topic is most missing from school education, 75.1% choose savings and budgeting, followed by taxes (55.2%), investing (53.9%), debit and credit (48.4%) and mortgages (29.7%).
How the world is learning about money
If school isn't teaching it, where is the knowledge coming from? The answer is: everywhere. We asked people where they learned the majority of their financial information, with respondents able to select multiple options.
AI becoming a financial teacher is a notable finding, given that tools like ChatGPT have only been widely available since late 2022. And it isn’t just theoretical, as 51.7% of people globally have used an AI tool like ChatGPT for financial advice or decisions in the past 12 months.
- 82.9% of respondents globally say they're mostly self-taught online.
- 66% say they learned most from parents and family.
- 38% say they picked up the majority of their information at school.
- 30% say they learned the most from books.
- 29.2% cite social media or influencers as their biggest source of information.
- 21.5% say AI tools are where they've learned most of what they know about money.
AI becoming a financial teacher is a notable finding, given that tools like ChatGPT have only been widely available since late 2022. And it isn’t just theoretical, as 51.7% of people globally have used an AI tool like ChatGPT for financial advice or decisions in the past 12 months.
Who do we trust with our money?
Interestingly, while people are learning from AI and social media in fast-growing numbers, who they trust hasn't moved as quickly. We asked people who they trusted most when it came to financial advice.
That's a big gap: 29.2% learn from social media, but only 3.4% actually trust it. That is a sign that the money-content boom may be filling a knowledge gap but it comes with a general distrust.
As for what's stopping people learning more, 25.7% say nothing at all, but 23.8% say it feels overwhelming or complicated, 18.1% don't have enough time, and 13.8% don't know where to start.
- 42.7% of respondents would trust a financial advisor most for money advice today.
- 23.5% would trust friends or family the most.
- 18.9% would trust a bank or financial institution the most.
- 10.9% would trust AI tools the most.
- Just 3.4% would trust social media or influencers the most.
That's a big gap: 29.2% learn from social media, but only 3.4% actually trust it. That is a sign that the money-content boom may be filling a knowledge gap but it comes with a general distrust.
As for what's stopping people learning more, 25.7% say nothing at all, but 23.8% say it feels overwhelming or complicated, 18.1% don't have enough time, and 13.8% don't know where to start.
Looking ahead: what are the global population's plans for the next 12 months?
The most optimistic finding in the study is what people intend to do next.
Set against a reality where more than one in four (27%) have already had to borrow or use credit to cover everyday living costs in the past year, that ambition to save more looks less like optimism and more like a hard-won lesson from a squeezed 2025. It's a sign that the world's money-smart intentions and its money reality still don't quite match.
- 71.8% of those surveyed plan to save more in the next 12 months.
- 15.6% plan to pay down debt.
- 7.5% plan to spend more.
- Just 1.4% plan to borrow more.
- The remaining 3.8% were unsure.
Set against a reality where more than one in four (27%) have already had to borrow or use credit to cover everyday living costs in the past year, that ambition to save more looks less like optimism and more like a hard-won lesson from a squeezed 2025. It's a sign that the world's money-smart intentions and its money reality still don't quite match.
Citations
- World Bank Development Research Group (opens in new window) (2016)
- EuroStat (opens in new window) (2026)
- PISA 2022 Results, OECD (opens in new window) (2023)
- Wijzer in Geldzaken (opens in new window) (2006)
- EuroStat (opens in new window) (2026)
- BEUC: The European Consumer Organisation (opens in new window)(2017)
Methodology
The study was devised using The World Bank's definition of financial literacy, which revolves around a combination of knowledge, skills, attitudes, and behaviors necessary to make sound financial decisions and achieve individual financial well-being. The test was designed to assess financial literacy across five dimensions: everyday money knowledge; savings resilience; confidence; learning habits; and worries. Each core question had a defined "correct" answer that indicated strong personal financial savviness.
The survey was conducted with more than 5,000 respondents across 27 countries. Survey platform limitations mean we cannot survey every country, but we would like to expand this analysis further in the future. The percentage of correct answers was indexed to produce a country-level "Money IQ score" out of a possible 8. Respondents were also asked a series of additional survey questions to gauge attitudes, behaviours and lived experiences with money, covering savings, confidence, worry, learning-source and future-plans data referenced throughout this study.
The data is correct as of July 2026.
This publication is provided for general information purposes only and is not intended to cover all aspects of the topics discussed herein. This publication is not a substitute for seeking advice from an applicable specialist or professional. The content in this publication does not constitute legal, tax, or other professional advice from Remitly or any of its affiliates and should not be relied upon as such. While we strive to keep our posts up to date and accurate, we cannot represent, warrant or otherwise guarantee that the content is accurate, complete or up to date.
The survey was conducted with more than 5,000 respondents across 27 countries. Survey platform limitations mean we cannot survey every country, but we would like to expand this analysis further in the future. The percentage of correct answers was indexed to produce a country-level "Money IQ score" out of a possible 8. Respondents were also asked a series of additional survey questions to gauge attitudes, behaviours and lived experiences with money, covering savings, confidence, worry, learning-source and future-plans data referenced throughout this study.
The data is correct as of July 2026.
This publication is provided for general information purposes only and is not intended to cover all aspects of the topics discussed herein. This publication is not a substitute for seeking advice from an applicable specialist or professional. The content in this publication does not constitute legal, tax, or other professional advice from Remitly or any of its affiliates and should not be relied upon as such. While we strive to keep our posts up to date and accurate, we cannot represent, warrant or otherwise guarantee that the content is accurate, complete or up to date.
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Read more (opens in new window)This publication is provided for general information purposes only and is not intended to cover all aspects of the topics discussed herein. This publication is not a substitute for seeking advice from an applicable specialist or professional. The content in this publication does not constitute legal, tax, or other professional advice from Remitly or any of its affiliates and should not be relied upon as such. While we strive to keep our posts up to date and accurate, we cannot represent, warrant or otherwise guarantee that the content is accurate, complete or up to date.