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 four in 10 adults (40%) now have active financial accounts. Similarly, four in 10 (40%) Ugandans have financial services accounts, with mobile money leading the way to financial inclusion, as more than a third of adults (38%) have mobile money accounts. 

Of Uganda’s 35 million people, 76% 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
39% 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
17% 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 31% of those below the poverty line.

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

A. Rural
B. Below the poverty line
C. Female
D. Male
B. Below the poverty line (4%)

What percentage of Ugandan mobile money users are unregistered?

B. 17%
C. 69%
D. 88%
A. 32%

True or false

Awareness of mobile money did not increase between 2016 and 2017.

False (awareness slightly increased by 1%)

True or false

45% of Ugandans are digitally included.


Which demographic group is most likely to own a mobile money account?

A. Urban
B. Male
C. Above the poverty line
D. Female
C. Above the poverty line (62%)

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