Financial inclusion

Together with other financial authorities, we are committed to promoting financial inclusion. We want to increase financial knowledge and ensure that everybody has access to financial services and products such as a savings account and insurance.

Customers at mobile money transfers kiosks, M-Pesa agents, in Nairobi

We want to promote financial accessibility and knowledge.

Access to financial services worldwide

Worldwide, two thirds (69%) of all adults have a bank account. Some 1.7 billion people do not have a bank account, however. Especially in poorer countries, large groups of people are still excluded from financial services. This may be because there are no banks in their area, or because the bank doesn't consider them creditworthy.

Access to financial services in the Netherlands

Some people in the Netherlands too have limited access to financial services. In some cases they lack financial knowledge. For many people, pensions are difficult to understand. This lack of knowledge exposes them to the risk of taking wrong decisions, potentially even undermining their financial resilience. Our world is becoming increasingly more digital, and the number of physical bank offices is steadily decreasing. As a result, making payments or withdrawing cash is becoming more difficult for some groups, such as people with limited access to the internet.

Our ambition

We believe that everyone should have access to the payment system, and that everyone should have sufficient financial knowledge.That is why we promote financial education and financial accessibility.We are a partner in the National Forum on the Payment Systemand coordinate the working group on accessibility of payment systems.

Blockchain technology of Humaniq offers new opportunities for saving and transferring money.

Financial education

We promote financial education. For example by organising the Money Week (Week van het geld) for primary school pupils and the Money Wise platform (Wijzer in geldzaken). We also organise seminars on financial inclusion for central banks to share experiences and promote cooperation. At our international central banks seminar, our Executive Director Frank Elderson encouraged participants to contribute to the improvement of the financial resilience of all global citizens: You have come here so that all living on this world can move away from “every-day-survival” to “planning-for-the-future”.


We contribute to the aims of the UN, the World Bank and the Global Partnership for Financial Inclusion.The World Bank's goal is Universal Financial Access by 2020. This means that every global citizen should then have access to an account or electronic payment tool for saving or paying and receiving money. And be able to take out insurance or obtain a loan.


Everyone should have access to financial services. We promote the accessibility of the payment systemand contribute to sustainable prosperity and financial stability.