The most cashless countries in the world, ranked

Name: The Cashlessy Index 2026
Creator: Cashlessy
License: https://creativecommons.org/licenses/by/4.0/

The Cashlessy Index 2026 is our annual ranking of all 195 countries by how easily a traveller can get by without cash, plus what to do about cards, ATMs, apps and tipping in each one.

Sweden is the most cashless country of 2026

Probably the most cashless country in the world. Many shops, cafes and even some banks do not accept cash at all.

97/100 · Read the Sweden guide →

Go cashless 27Mostly cashless 36Mixed 36Cash preferred 31Cash essential 65

Top 10

Regional leaders

The Cashlessy Index 2026: full ranking

Scored 0-100 on how easily a traveller can get by without cash. Last reviewed September 2026.

Methodology Download the data (CSV)

#	Country	Score	Cards	Cash
1	Sweden	97	Accepted almost everywhere	Rarely needed
2	Norway	95	Accepted almost everywhere	Rarely needed
3	Denmark	94	Accepted almost everywhere	Rarely needed
3	Iceland	94	Accepted almost everywhere	Rarely needed
5	Finland	93	Accepted almost everywhere	Rarely needed
6	Australia	92	Accepted almost everywhere	Rarely needed
6	Netherlands	92	Accepted almost everywhere	Rarely needed
6	United Kingdom	92	Accepted almost everywhere	Rarely needed
9	Estonia	91	Accepted almost everywhere	Rarely needed
10	Canada	90	Accepted almost everywhere	Rarely needed
10	Ireland	90	Accepted almost everywhere	Rarely needed
10	Luxembourg	90	Accepted almost everywhere	Rarely needed
10	New Zealand	90	Accepted almost everywhere	Rarely needed
10	Singapore	90	Accepted almost everywhere	Rarely needed
10	South Korea	90	Accepted almost everywhere	Rarely needed
16	Belgium	88	Accepted almost everywhere	Rarely needed
16	China	88	Hotels and a few big businesses	Rarely needed
16	Monaco	88	Accepted almost everywhere	Rarely needed
16	United Arab Emirates	88	Accepted almost everywhere	Rarely needed
20	Latvia	87	Accepted almost everywhere	Rarely needed
20	Lithuania	87	Accepted almost everywhere	Rarely needed
22	Israel	86	Accepted almost everywhere	Rarely needed
22	Poland	86	Accepted almost everywhere	Rarely needed
22	Qatar	86	Accepted almost everywhere	Rarely needed
22	United States	86	Accepted almost everywhere	Rarely needed
26	Czechia	85	Accepted almost everywhere	Rarely needed
26	France	85	Accepted almost everywhere	Rarely needed
28	Liechtenstein	84	Accepted almost everywhere	Rarely needed
29	Bahrain	82	Accepted almost everywhere	Rarely needed
29	Kuwait	82	Accepted almost everywhere	Rarely needed
29	Saudi Arabia	82	Accepted almost everywhere	Rarely needed
29	Spain	82	Accepted almost everywhere	Carry a little
29	Switzerland	82	Accepted almost everywhere	Carry a little
34	Andorra	80	Widely accepted	Carry a little
34	Brazil	80	Accepted almost everywhere	Rarely needed
34	Chile	80	Accepted almost everywhere	Carry a little
34	Portugal	80	Widely accepted	Carry a little
34	Slovakia	80	Widely accepted	Carry a little
34	South Africa	80	Accepted almost everywhere	Carry a little
40	Hungary	78	Widely accepted	Carry a little
40	Turkey	78	Widely accepted	Carry a little
40	Ukraine	78	Widely accepted	Carry a little
43	Cyprus	76	Widely accepted	Carry a little
43	Malta	76	Widely accepted	Carry a little
43	Slovenia	76	Widely accepted	Carry a little
43	Uruguay	76	Widely accepted	Carry a little
47	Croatia	74	Widely accepted	Carry a little
48	Austria	72	Widely accepted	Carry a little
48	Italy	72	Widely accepted	Carry a little
48	Malaysia	72	Widely accepted	Carry a little
48	San Marino	72	Widely accepted	Carry a little
52	Greece	70	Widely accepted	Carry a little
52	Japan	70	Widely accepted	Carry a little
52	Maldives	70	Widely accepted	Carry a little
55	Costa Rica	68	Widely accepted	Carry a little
55	Kazakhstan	68	Widely accepted	Carry a little
55	Mauritius	68	Widely accepted	Carry a little
55	Oman	68	Widely accepted	Carry a little
55	Romania	68	Widely accepted	Carry a little
60	Argentina	66	Widely accepted	Carry a little
60	Georgia	66	Widely accepted	Carry a little
60	Germany	66	Widely accepted	Carry a little
60	Seychelles	66	Widely accepted	Carry a little
64	Barbados	64	Widely accepted	Carry a little
64	Bulgaria	64	Widely accepted	Carry a little
64	Namibia	64	Widely accepted	Carry a little
67	Bahamas	62	Widely accepted	Carry a little
67	Brunei	62	Widely accepted	Carry a little
67	Serbia	62	Widely accepted	Carry a little
67	Taiwan	62	Widely accepted	Carry a little
71	Botswana	60	Widely accepted	Carry a little
71	Panama	60	Widely accepted	Carry a little
73	Armenia	58	Cities and tourist areas	Carry a little
73	Kenya	58	Cities and tourist areas	Carry a little
75	Antigua and Barbuda	56	Widely accepted	Carry a little
75	Azerbaijan	56	Cities and tourist areas	Carry a little
75	Colombia	56	Cities and tourist areas	Carry a little
75	Mexico	56	Cities and tourist areas	Carry a little
75	Thailand	56	Cities and tourist areas	Carry a little
80	Dominican Republic	54	Cities and tourist areas	Carry a little
80	Montenegro	54	Cities and tourist areas	Needed daily
80	Saint Lucia	54	Cities and tourist areas	Carry a little
83	North Macedonia	52	Cities and tourist areas	Needed daily
83	Trinidad and Tobago	52	Cities and tourist areas	Carry a little
85	Indonesia	50	Cities and tourist areas	Needed daily
85	Jamaica	50	Cities and tourist areas	Needed daily
85	Jordan	50	Cities and tourist areas	Needed daily
85	Moldova	50	Cities and tourist areas	Needed daily
85	Rwanda	50	Cities and tourist areas	Needed daily
85	Saint Kitts and Nevis	50	Cities and tourist areas	Needed daily
91	Bosnia and Herzegovina	48	Cities and tourist areas	Needed daily
91	Cabo Verde	48	Cities and tourist areas	Needed daily
91	Eswatini	48	Cities and tourist areas	Needed daily
91	Mongolia	48	Cities and tourist areas	Needed daily
91	Peru	48	Cities and tourist areas	Needed daily
91	Vietnam	48	Cities and tourist areas	Needed daily
97	Grenada	46	Cities and tourist areas	Needed daily
97	India	46	Cities and tourist areas	Needed daily
97	Philippines	46	Cities and tourist areas	Needed daily
100	Albania	44	Cities and tourist areas	Needed daily
100	El Salvador	44	Cities and tourist areas	Needed daily
100	Uzbekistan	44	Cities and tourist areas	Needed daily
103	Ecuador	42	Cities and tourist areas	Needed daily
103	Egypt	42	Cities and tourist areas	Needed daily
103	Fiji	42	Cities and tourist areas	Needed daily
103	Paraguay	42	Cities and tourist areas	Needed daily
107	Belize	40	Cities and tourist areas	Needed daily
107	Kosovo	40	Cities and tourist areas	Needed daily
107	Saint Vincent and the Grenadines	40	Cities and tourist areas	Needed daily
110	Nigeria	38	Hotels and a few big businesses	Needed daily
111	Dominica	36	Hotels and a few big businesses	Needed daily
111	Ghana	36	Hotels and a few big businesses	Needed daily
111	Morocco	36	Cities and tourist areas	Needed daily
111	Palau	36	Hotels and a few big businesses	Needed daily
111	Sri Lanka	36	Hotels and a few big businesses	Needed daily
116	Cambodia	34	Hotels and a few big businesses	Bring plenty
116	Guatemala	34	Hotels and a few big businesses	Needed daily
116	Tunisia	34	Cities and tourist areas	Needed daily
119	Tanzania	32	Hotels and a few big businesses	Needed daily
119	Zambia	32	Hotels and a few big businesses	Needed daily
121	Bhutan	30	Hotels and a few big businesses	Needed daily
121	Honduras	30	Hotels and a few big businesses	Bring plenty
121	Kyrgyzstan	30	Hotels and a few big businesses	Bring plenty
121	Samoa	30	Hotels and a few big businesses	Bring plenty
121	Vanuatu	30	Hotels and a few big businesses	Bring plenty
126	Nepal	28	Hotels and a few big businesses	Bring plenty
126	Senegal	28	Hotels and a few big businesses	Bring plenty
128	Bangladesh	26	Hotels and a few big businesses	Bring plenty
128	Cote d'Ivoire	26	Hotels and a few big businesses	Bring plenty
128	Nicaragua	26	Hotels and a few big businesses	Bring plenty
131	Laos	24	Hotels and a few big businesses	Bring plenty
131	Lesotho	24	Hotels and a few big businesses	Bring plenty
131	Uganda	24	Hotels and a few big businesses	Bring plenty
131	Zimbabwe	24	Hotels and a few big businesses	Bring plenty
135	Bolivia	22	Hotels and a few big businesses	Bring plenty
135	Pakistan	22	Hotels and a few big businesses	Bring plenty
137	Gambia	20	Hotels and a few big businesses	Bring plenty
137	Lebanon	20	Hotels and a few big businesses	Bring plenty
137	Mozambique	20	Hotels and a few big businesses	Bring plenty
137	Tonga	20	Hotels and a few big businesses	Bring plenty
141	Belarus	18	Rarely or never	Bring plenty
141	Djibouti	18	Hotels and a few big businesses	Bring plenty
141	Marshall Islands	18	Hotels and a few big businesses	Bring plenty
144	Angola	16	Rarely or never	Bring plenty
144	Ethiopia	16	Rarely or never	Bring plenty
144	Guyana	16	Rarely or never	Bring plenty
144	Micronesia	16	Hotels and a few big businesses	Bring plenty
148	Gabon	14	Rarely or never	Bring plenty
148	Iraq	14	Rarely or never	Bring plenty
148	Madagascar	14	Rarely or never	Bring plenty
148	Malawi	14	Rarely or never	Bring plenty
148	Suriname	14	Rarely or never	Bring plenty
148	Tajikistan	14	Rarely or never	Bring plenty
154	Benin	12	Rarely or never	Bring plenty
154	Cameroon	12	Rarely or never	Bring plenty
154	Papua New Guinea	12	Rarely or never	Bring plenty
154	Russia	12	Rarely or never	Bring plenty
154	Timor-Leste	12	Rarely or never	Bring plenty
159	Solomon Islands	10	Rarely or never	Bring plenty
159	Togo	10	Rarely or never	Bring plenty
159	Venezuela	10	Rarely or never	Bring plenty
162	Algeria	8	Rarely or never	Bring plenty
162	Burkina Faso	8	Rarely or never	Bring plenty
162	Congo	8	Rarely or never	Bring plenty
162	Cuba	8	Rarely or never	Bring plenty
162	Liberia	8	Rarely or never	Bring plenty
162	Myanmar	8	Rarely or never	Bring plenty
168	Comoros	6	Rarely or never	Bring plenty
168	DR Congo	6	Rarely or never	Bring plenty
168	Equatorial Guinea	6	Rarely or never	Bring plenty
168	Haiti	6	Rarely or never	Bring plenty
168	Kiribati	6	Rarely or never	Bring plenty
168	Nauru	6	Rarely or never	Bring plenty
174	Guinea	5	Rarely or never	Bring plenty
174	Mali	5	Rarely or never	Bring plenty
174	Mauritania	5	Rarely or never	Bring plenty
174	Sierra Leone	5	Rarely or never	Bring plenty
178	Burundi	4	Rarely or never	Bring plenty
178	Sao Tome and Principe	4	Rarely or never	Bring plenty
178	Somalia	4	Rarely or never	Bring plenty
178	Syria	4	Rarely or never	Bring plenty
178	Turkmenistan	4	Rarely or never	Bring plenty
178	Tuvalu	4	Rarely or never	Bring plenty
184	Chad	3	Rarely or never	Bring plenty
184	Guinea-Bissau	3	Rarely or never	Bring plenty
184	Iran	3	Rarely or never	Bring plenty
184	Libya	3	Rarely or never	Bring plenty
184	Niger	3	Rarely or never	Bring plenty
189	Afghanistan	2	Rarely or never	Bring plenty
189	Central African Republic	2	Rarely or never	Bring plenty
189	Eritrea	2	Rarely or never	Bring plenty
189	South Sudan	2	Rarely or never	Bring plenty
189	Sudan	2	Rarely or never	Bring plenty
189	Yemen	2	Rarely or never	Bring plenty
195	North Korea	1	Rarely or never	Bring plenty