💸
    ATM Fee Guide
    🇦🇱

    ATM Fees in Albania

    Albanian Lek (ALL) • Updated April 2026

    Albania has a growing ATM network with major banks offering reasonable fees. While Tirana has good card acceptance, rural areas and smaller towns are predominantly cash-based. The Lek is the only accepted currency.

    💡

    Tips for Albania

    • • Raiffeisen Bank and Credins Bank ATMs are widely available
    • • Always withdraw in ALL (Lek), not Euros
    • • Keep cash for restaurants and shops outside Tirana
    • • Euro is sometimes accepted informally but at poor rates
    • • ATM withdrawal limits are typically 50,000-100,000 ALL
    ✈️

    Airport tips

    • • Tirana Airport (TIA) has Raiffeisen and BKT ATMs
    • • Airport currency exchange has poor rates - use ATMs
    • • Airport taxi accepts cash only - agree on price before
    • • Rinas Express bus to Tirana accepts cash only
    🏦

    Don't forget your home bank fees

    The fees shown above are charged by local ATMs. Your home bank may also charge additional fees for international withdrawals (typically 1-3% + a flat fee). Check with your bank before traveling.

    Estimated daily expenses

    How much cash you might need per day in Albania, per person.

    Your currency:

    Backpacker

    Hostels, street food, public transport

    4,000-8,500

    ALL/day

    🏨 Accommodation2,000-4,000
    🍜 Food & drinks1,000-2,000
    🚌 Transport500-1,000
    🎟️ Activities500-1,500

    ≈ $48.39-103 USD

    Mid-range

    Hotels, restaurants, mix of transport

    12,000-23,500

    ALL/day

    🏨 Accommodation6,000-12,000
    🍜 Food & drinks2,500-4,500
    🚌 Transport1,500-3,000
    🎟️ Activities2,000-4,000

    ≈ $145-284 USD

    Luxury

    Premium hotels, fine dining, private transport

    35,000-70,000

    ALL/day

    🏨 Accommodation20,000-40,000
    🍜 Food & drinks6,000-12,000
    🚌 Transport4,000-8,000
    🎟️ Activities5,000-10,000

    ≈ $423-847 USD

    Cash vs card acceptance

    Where you'll need cash and where cards work in Albania.

    Credit card acceptance

    Moderate

    Card acceptance is growing in Albania, especially in Tirana and tourist areas like Saranda and Vlora. However, Albania remains largely cash-based, particularly outside major cities.

    Regional differences

    • • Tirana: Good card acceptance in hotels, restaurants, and shops
    • • Albanian Riviera (Saranda, Vlora, Ksamil): Tourist spots accept cards, beach bars often cash
    • • Rural areas and small towns: Almost exclusively cash
    💵

    You'll need cash for

    • • Local buses and furgons
    • • Markets and street food
    • • Small restaurants and cafes
    • • Taxis
    • • Beach bars and vendors
    💳

    Cards usually accepted

    • • Hotels and hostels
    • • Large supermarkets
    • • Tourist restaurants
    • • Shopping malls in Tirana
    • • Some petrol stations

    💰 Cheapest banks for foreign cards

    These banks charge the lowest fees for withdrawals with foreign cards.

    BankATM FeeEst. CostBranches
    Intesa Sanpaolo Albania0 ALL0 USD40
    Union Bank Albania0 ALL0 USD30
    Raiffeisen Bank Albania600-800 ALL~6.00 USD85
    Credins Bank600-800 ALL~6.00 USD55
    BKT (Banka Kombëtare Tregtare)200 ALL~2.00 USD70
    Tirana Bank250 ALL~2.50 USD45

    📍 Most widely available ATMs

    Sorted by number of ATM locations. More branches means easier access, but fees may be higher.

    BankATM FeeEst. CostBranches
    Raiffeisen Bank Albania600-800 ALL~6.00 USD85
    BKT (Banka Kombëtare Tregtare)200 ALL~2.00 USD70
    Credins Bank600-800 ALL~6.00 USD55
    Tirana Bank250 ALL~2.50 USD45
    Intesa Sanpaolo Albania0 ALL0 USD40
    Union Bank Albania0 ALL0 USD30

    🌐 ATM Alliance Benefits: If you bank with a member of these alliances, you may get reduced or waived ATM fees in Albania:

    OTP Group
    View all ATM alliances →

    Explore other countries

    🇧🇦 Bosnia Herzegovina🇭🇷 Croatia🇨🇾 Cyprus🇦🇫 Afghanistan🇩🇿 Algeria