The rate of financially included Egyptians aged 15 or above with active financial accounts rose to 77.6 percent by the end of 2025, up from 76.3 percent in June 2025, the CBE announced on Tuesday.
According to the CBE’s Financial Inclusion Strategy 2022-2025, the new rate marks a rise to 54.7 million users, out of a total of 70.5 million, compared to 53.8 million in June 2025. Users include those with active transaction accounts, including bank accounts, Egypt Post accounts, mobile wallets, and prepaid cards.
The growth is the result of programmes and initiatives aimed at improving the economic empowerment of women and youth, while integrating the underserved segments into the formal financial system.
Meanwhile, women’s financial inclusion rate increased to 71.4 percent by the end of 2025, compared to 70 percent in June 2025. The inclusion rate for youth aged 15 to 35 increased to 56.8 percent in 2025, up from 54.4 percent in June 2025.
Between 2016 and 2025, the overall inclusion rate grew by 181 percent. Women’s inclusion grew by 316 percent, from 19.1 percent in 2016, and that of youth rose by 79 percent from 36.3 percent in 2020.
Furthermore, the CBE’s Second Financial Inclusion Strategy 2026–2030 is currently under development. It employs surveys that examine the usage of financial services and related barriers and gaps. It also develops evidence-based policies to improve saving and expand financing to targeted growth.
The surveys are conducted in collaboration with the Central Agency for Public Mobilization and Statistics (CAPMAS), with help from the World Bank and the International Finance Corporation (IFC).
The strategy is being developed in coordination with the bank and several Egyptian Ministries, the Financial Regulatory Authority, the Micro, Small, and Medium Enterprises Development Agency (MSMEDA), among others.
It aims to increase the use of financial services and products by promoting digital solutions to facilitate the transition to a green economy through sustainable financing solutions, as well as raising financial awareness through educational and literacy programmes.
As part of the CBE’s plan to transition to a cashless society and promote financial inclusion under Egypt’s Vision 2030, the bank recently launched contactless electronic payment services through a Software Point of Sale (SoftPOS) application for smart devices.
The financial transactions of Egypt’s mobile wallet sector grew by 80 percent year-on-year to EGP 718 million in the second quarter of 2025. The total value of transactions rose by 72 percent to EGP 943 billion, up from EGP 548.6 billion a year earlier.
Cashless transactions in Egypt are expected to increase to $27.63 billion by 2027, growing at an annual rate of 14.03 percent, as e-wallets such as Apple Pay and Google Wallet become increasingly integrated into everyday transactions.
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