Who has access to financial services in Tunisia and who doesn't: Findex data, microfinance, women, the diaspora and the cash economy.
More than TND 30 billion in banknotes and coins now circulate in Tunisia, a record. The cheque reform, informality and low bank account ownership explain why the cashless push is struggling.
Tunisians abroad sent home TND 8.76 billion through formal channels in 2025, more than tourism brought in. Sending money is getting cheaper online, but cash and informal channels still dominate.
Tunisia's account ownership rate has barely moved since 2017. The latest Findex data shows who is left out, and why cash still dominates.
More than 800,000 Tunisians borrow from microfinance institutions. A look at the rules, the main lenders, the cost of credit and the new cap on excessive rates.
The gender gap in account ownership in Tunisia grew to 23 points in 2024. Cash wages, low incomes and distance keep women outside the financial system.
