The results of El Salvador’s 2025 National Financial Inclusion & Financial Education Survey (ENIEF) indicate steady growth in account ownership and usage across the country. 

Key findings from the Survey were presented on 6 January by Banco Central de Reserva President Douglas Rodríguez, Vice President Hazel González, and Manager of Financial Stability and Public Policy, Ana Guadalupe Escobar. They reveal that: 

• Financial inclusion has reached 46.9% of the adult population, a significant increase from 28% in 2022. 

• 23% of Salvadorans report having some type of credit, and 10.8% hold a credit card. 

• 22.4% have formal insurance, and 20.1% report pension savings. 

• 25.8% of respondents report receiving remittances through money transfer companies or deposits into savings accounts 

• Transfer 365, El Salvador’s innovative instant payment system, now accounts for 95.3% of all financial transactions. 

• Active use of accounts is strong: 79% of account holders have a debit card, enabling daily transactions. 

The survey, conducted nationwide and entirely digitally, provides a comprehensive picture of financial inclusion, as well as offering strategic insights to policymakers on how to further advance progress. Click here to access the full results.  

In 2024, Banco Central de Reserva launched an innovative and transformative initiative: the My Financial Journey bus. Since then, the bus has travelled throughout the country, bringing financial education to school students via cutting-edge technology – learn more in the video below.