Financial well-being extended to foreign residents in select European nations

The study by OANDA has revealed some fascinating insights into the financial health of European countries. Let's delve into the findings and discover which nations are leading the way in financial stability.

Starting off, we have Switzerland, Europe's most financially healthy country. With an average net annual income of 45,582 euros, a high savings rate of 22%, and a low unemployment rate of 4.5%, Switzerland stands tall.

Following closely is the Netherlands, which ranks second. Boasting an average net annual income of 27,538 euros, a savings rate of 14.6%, a low unemployment rate of 3.7%, and a strong quality of life at 7.6 points, the Netherlands is a shining example of financial health. Sweden completes the top three, demonstrating high levels of digital financial awareness.

Ireland ranks third with a stable financial foundation, an annual income of 25,717 euros, a savings rate of 13.6%, and an unemployment rate of 4.2%. The Czech Republic, despite a relatively low income of 9,226 euros, impresses with an impressively low unemployment rate of 2.6% and a strong savings rate of 19.4%.

Maintaining control over finances is crucial, and this can be achieved by keeping track of income and expenses. Aim to save three to six months' worth of living expenses for unexpected situations, and prioritise paying off high-interest debts, such as credit card balances.

Malta shows strong financial interest, focusing on dividend strategies and passive income sources, while Luxembourg is the most financially active country in Europe, with 175 finance-related Google searches per 100,000 people.

Denmark follows with 107 finance-related Google searches, showing a diverse interest in long-term investments and high-end lifestyle. Norway, Austria, Belgium, and Germany also rank high in financial health, with Germany having a high savings rate of 19.3% and a low unemployment rate of 3.4%.

To achieve financial objectives, whether it's owning a home or becoming debt-free, set specific, realistic targets. Depending on your risk tolerance, various strategies can be suitable for building wealth.

Our website, a German-language service and news portal, informs readers about living and working abroad. In addition to financial health, we cover topics such as the Immigration Index 2025, Health and safety risks for employees in 2025, and The Future of work.

In recent years, countries like Germany, the Netherlands, and Sweden have shown particularly strong digital interest in financial topics and economic planning. Indicators used to assess their financial health include GDP growth, fiscal deficit, public debt levels, inflation rate, and digital adoption metrics in the financial sector.

The tags for this article are richest countries in Europe, financially healthy countries in Europe, and financial health.