Estonia: Automated teller machines (ATMs) (per 100,000 adults)

Key figures

What the numbers say

In 2024, Estonia's automated teller machines (ATMs) (per 100,000 adults) fell 0.82 on 2023 (from 58.01 to 57.2).

Across the 19 yearly changes before that (2005 to 2023), the average change was −0.51 and a typical year strayed about 3.56 from that (the standard deviation). This year's change was 0.1 standard deviations below that average, so it was an ordinary year: it sits within the range of normal year-to-year movement.

On record, the biggest yearly rise was 7.45 in 2007 and the biggest yearly fall was 4.27 in 2012. The numbers show how large and when, not why; for the cause, look at what happened in that country in those years.

From 2015 to 2024 the straight-line trend is downward, about 1.71 a year. A straight line explains 98% of the movement over 10 observed years.

Worked out from the yearly values above. How the checks work: standard deviation, z-scores and straight-line trends.

A straight-line projection, tested first

Extending that straight line gives about 50.25 for 2027. We show this only because the same method, fitted on earlier years, predicted 2022 to 2024 better than "no change" would have: its average miss was 2.54, against 4.31 for assuming no change. Treat it as a continuation of the recent pattern, not a forecast of events: it cannot see a recession, a policy change or a revision to the data.

See how a linear trend forecast works and the guide on forecasting without fooling yourself.

How it compares

In 2024, Estonia had the 51st highest value of the 149 economies reporting that year. Higher is not always better: for some indicators the lowest value is the one to aim for. See the full ranking.

Closest to Estonia in the 2024 ranking

• Cabo Verde — 47th of 149: 59.37
• Antigua and Barbuda — 48th of 149: 58.38
• Kuwait — 49th of 149: 58.04
• Serbia — 51st of 149: 57.01
• Saudi Arabia — 52nd of 149: 56.06
• Latvia — 53rd of 149: 55.86

What this measures

Automated teller machines (ATMs) are electromechanical devices which enable customers of financial institutions to perform financial transactions such as cash withdrawals, balance inquiries, deposits, transfer of funds, and obtaining account information, using an electronic card.

Limitations: Population-based ratios of the number of branches and ATMs assume a uniform distribution of bank outlets within a country's area and across its population, while in most countries bank branches and ATMs are concentrated in urban centers of the country and are accessible only to some individuals.

Regional and income-group figures are computed by the World Bank as a median.

All 21 values

Automated teller machines (ATMs) (per 100,000 adults) in nearby economies

• Albania — 44.79 (2024)
• Armenia — 71.47 (2024)
• Austria — 170.06 (2024)
• Azerbaijan — 41.42 (2024)
• Belarus — 55.13 (2024)
• Belgium — 49.63 (2024)
• Bosnia and Herzegovina — 64.21 (2024)
• Bulgaria — 92.3 (2024)
• Croatia — 119.5 (2024)
• Cyprus

More financial sector data for Estonia

• DEC alternative conversion factor (LCU per US$) — US$0.88 (2025)
• GDP deflator (base year varies by country) — 142.95 (2025)
• GDP deflator, linked series (base year varies by country) — 142.95 (2025)
• Inflation, GDP deflator (annual % growth) — 3.84% (2025)
• Inflation, GDP deflator, linked series (annual % growth) — 3.84% (2025)
• Consumer price index (2010 = 100) — 179.99 (2025)
• Inflation, consumer prices (annual % growth) — 4.83% (2025)
• Official exchange rate (LCU per US$, period average) — US$0.88 (2025)
• S&P Global Equity Indices (annual % change) — 26.69% (2025)

Reading data like this

• Where to find free public data, and how to check it before you trust it — 2 min read
• Data analysis examples: 6 worked from one dataset — 3 min read
• Real change or random noise? A plain guide to reading your numbers — 2 min read

Questions people ask

What is Estonia's automated teller machines (ATMs) (per 100,000 adults)?

57.2 in 2024, according to the World Bank (World Development Indicators).

How has it changed since 2004?

It is down 15.58% from 67.75 in 2004 (0.84% a year on average, compounded). The highest value was 89.45 in 2008 and the lowest 57.2 in 2024.

How does Estonia rank?

Source

World Bank, World Development Indicators, indicator FB.ATM.TOTL.P5, licensed CC BY 4.0. Original source: Financial Access Survey, International Monetary Fund (IMF), uri: https://data.imf.org/?sk=E5DCAB7E-A5CA-4892-A6EA-598B5463A34C Figures are fetched from the World Bank API and refreshed monthly; see the series on data.worldbank.org. The full definition and method are in the World Bank's metadata glossary. Comparisons use the same World Bank release.

Want to ask your own questions of data like this? Try AnalyzeIt: upload a file or ask about public data in plain words, and every figure comes with its working.