According to the Central Bank of Tunisia's 2025 annual report on banking supervision, the number of bank accounts in Tunisia decreased by 1.8% in 2025 compared to 2024, reaching 10.5 million accounts. This decline was reported by Jawhara FM. Despite this drop, the number of bank cards saw a significant increase. The report provides insights into the country's banking sector, highlighting various trends and changes.
The number of bank cards in Tunisia rose by 7.3% to reach 5.9 million cards by the end of 2025. This growth indicates an expanding use of digital banking services in the country. In contrast, the number of cash dispensers remained stable at 3.3 thousand dispensers. The stability in cash dispensers suggests that while digital transactions are on the rise, there is still a maintained level of access to physical banking services.
The banking infrastructure in Tunisia also saw some changes. The number of bank branches increased from 2064 in 2024 to 2081 in 2025. This represents a small but notable increase, bringing the ratio to one branch per 5754 inhabitants, slightly better than the 5759 inhabitants per branch in 2024. The network of non-resident banks remained unchanged, with 13 bank branches distributed across the Greater Tunis area, the Center-East, and the North-East.
The network of financial leasing institutions also remained stable, with 69 branches. However, the payment institution network expanded, with 3629 points of sale by the end of 2025. These points of sale are predominantly concentrated in the Greater Tunis area (29%) and the Center-East (19%). This concentration indicates a higher availability of payment services in urban areas.
The overall number of banks and financial institutions in Tunisia did not change in 2025, remaining at 47. This includes 29 licensed banks and 18 financial institutions. The 29 banks are divided into 22 resident banks and 7 non-resident banks. The stability in the number of banks and financial institutions suggests a consistent banking landscape.
The Central Bank of Tunisia's report provides a comprehensive overview of the country's banking sector. The trends indicate a shift towards digital banking, with an increase in bank cards and points of sale. However, the decline in bank accounts and stable cash dispenser numbers suggest a complex evolution in banking habits.
The changes in Tunisia's banking sector reflect broader trends in financial technology and consumer behavior. As digital services become more prevalent, traditional banking practices are adapting. The Central Bank's report is a crucial tool for understanding these shifts and planning for the future of banking in Tunisia.
Key points
- The number of bank cards in Tunisia increased by 7.3% to 5.9 million by the end of 2025.
- Bank accounts in Tunisia decreased by 1.8% to 10.5 million in 2025.
- The number of bank branches in Tunisia increased slightly from 2064 in 2024 to 2081 in 2025.
