Financial inclusion is the access to get financial services such as saving, loan, insurance and others easily at an affordable cost, this study aims at evaluating the level of financial inclusion in Ethiopia in comparison with Sub Saharan Africa and low income countries. World Bank group 2017data on financial inclusion is used. The result shows access to have a bank account and account at other financial institution has been realized improvement to the year, where as it is far below the Sub Saharan African average. The major reason for not having a bank account or account at financial institutions in Ethiopia is insufficient fund and financial institutions are too far away, while religious reasons and lack of trust on financial institutions are the least. No one pays utility bill digitally, the use of digital payment is very poor in Ethiopia; only three out of hundred individuals in Ethiopia used an account to receive government payments.

Keywords: financial inclusion, loan, account, mobile money