Albania | Aurato

Albania
`mkt_al`

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Albania’s first SEPA transaction in October 2025 brought its banks closer to European euro transfers, alongside domestic lek payments. With GDP per capita near US$13,000 in 2025 and real growth of 3.8%, the market pairs economic growth with deeper regional payment integration.

Population

2.3M

GDP

$31B

GDP per Capita

$13K

GDP Growth

3.8%

Deepdive

World Bank, World Development Indicators (WDI), 2025

Cash in Albania

Albania remains largely a cash economy: small cafes, markets and taxis often need lek even where larger businesses accept cards. ATMs are common in cities but scarcer in rural areas, creating a clear divide in access to cash.

ATMs (PER 100K)

55.7

BANKS (PER 100K)

21.4

DEBIT CARDS (PER ADULT)

0.7

CREDIT CARDS (PER ADULT)

0.1

Compare

IMF, Financial Access Survey (FAS), 2025