Payment methods in Albania
Cash on delivery held a ~78% share of e-commerce payments in 2025, reflecting a still cash-reliant culture
Market takeaways
- Cash on delivery held a ~78% share of e-commerce payments in 2025, reflecting a still cash-reliant culture
- Only ~37.5% of Albanians reported online purchases in 2024, significantly below the European average
- Smartphones dominate 70.88% of e-commerce transactions, signaling mobile-first adoption
- Albania joined SEPA in November 2024, cutting Euro-payment fees fivefold and enabling next-day settlement
- First open-banking A2A payment was executed in March 2025 (EasyPay + Intesa Sanpaolo Albania), marking a fintech turning point
Population
2.8M
Online population
2.4M (85.8%)
B2C e-commerce
~$0.6B (2024 est.)
Banked population
~65%
Credit card population
~30%
E-commerce of total retail
~8%
Payment method breakdown
- Cash on Delivery78%
- Card14%
- E-Wallet5%
- Bank Transfer2%
- Other1%
Card scheme breakdown
- Visa50%
- Mastercard45%
- American Express2%
- Local Schemes2%
- Other1%
Cross-border e-commerce
Market data coming soon.
Featured payment methods in Albania
Popular options based on coverage and prominence in this market.
PayPal
Global digital wallet and checkout provider with broad e-commerce coverage.
Bank Transfer (Internet & Mobile Banking)
Generic online and mobile bank-transfer methods (internet banking, e-banking, EFT and interbank transfers). Customers pay directly from their bank account via their bank's own online/mobile banking portal. Implementation and rails differ by country, but the consumer flow is a standard account-to-account bank transfer.
EasyPay
Albania's leading e-money and bill-payment platform. EasyPay executed the country's first open-banking payment in March 2025 in partnership with Intesa Sanpaolo Bank Albania, enabling account-to-account checkout.
Visa
Visa is the world's largest card network, enabling credit, debit and prepaid card payments online, in-store and at ATMs across virtually every market. In the listed countries Visa is a core internationally accepted scheme alongside local methods.
Mastercard
Mastercard is a leading global card network supporting credit, debit and prepaid card payments online, in-store and at ATMs worldwide. In the listed countries it is a core internationally accepted scheme.
Aircash
Croatia's leading multi-currency mobile wallet expanding across the Balkans, offering online payments and a prepaid Mastercard. Operator: Aircash d.o.o.. Est. users: 1M+ users (2024).
All payment methods in Albania
Discover 9 payment methods from around the world
Featured banks in Albania
Major institutions operating in this market.
OTP Bank
Budapest, Hungary
OTP Bank is Hungary's largest bank and the dominant financial institution in the country, with significant regional presence across Central and Eastern Europe and the Balkans.
Raiffeisen Bank International (RBI)
Vienna, Austria
Raiffeisen Bank International (RBI) is Austria's second-largest bank and a leading retail and corporate bank in Central and Eastern Europe, operating in 13 markets.
Raiffeisen Bank Albania
Tirana, Albania
Raiffeisen Bank Albania is the largest bank in Albania, offering retail and corporate banking.
Other Banks — Albania
Tirana, Albania
Aggregate of all remaining banks in Albania, collectively ~75.0% of domestic banking assets.
All banks in Albania
Showing 4 of 4 banks
