An increasing number of Ugandan farmers are now able to instantly send and receive money as they engage in their agricultural activities because of mobile money services. These services have penetrated rural areas, where over three in 10 adults (34%) now have active financial accounts. Overall, four in 10 (39%) Ugandans have financial services accounts, with mobile money leading the way to financial inclusion, as more than a third of adults (35%) have mobile money accounts. 

Of Uganda’s 35 million people, 84% live in rural areas and nearly 8 million of them are poor. Expanding access to mobile money services is helping to facilitate much-needed financial security, enabling individuals to pursue educational opportunities and maintain their livelihoods without relying on friends or family.

Financial Inclusion

Total Financially Included
Financial Inclusion Breakdown By Accounts
Account Ownership By Year
43% of Ugandans are aware of mobile money services but are not using them.

Mobile Money

Active Mobile Money Use (Holders)
Use of Mobile Money and Banks
13% of Ugandan adults access mobile money services through someone’s account, including that of an agent.

Bank Account Use (Holders)

Total Population
By Gender
By Poverty Level
By Urbanity
77% of Ugandan adults above the poverty line own phones, compared to just 47% of those below the poverty line.

Which demographic group is least likely to own a bank account?

A. Rural
B. Below poverty line
C. Female
D. Male
Below poverty and female - (7% for both)

True or false

38% of Ugandans are digitally included


True or false

Awareness of mobile money did not increase between 2014 and 2015

True - (Awareness was at 91% for both years.)

What percentage of Ugandan mobile money users are unregistered?

A. 28%
B. 13%
C. 69%
D. 88%

What percentage of Ugandans are aware of mobile money services but are not yet using them?


True or false

Banks are the second most used financial service in Uganda

True - (Bank usage is at 12%.)