To Visa/Mastercard card
Card transfer for personal use. Accepted by BKT and Raiffeisen Albania. Visa/Mastercard cards are active throughout the country. Confirm the current route with your ATM24 manager
- Raiffeisen Bank Albania
- BKT
- Credins Bank
AlbaniaALLAlbanian Lek
BKT (Banka Kombetare Tregtare, NCBAALTR) - one of Albania's major commercial banks - accepts SWIFT transfers for salaries, family support and real estate purchases. A 28-character Albanian IBAN is used, along with the bank's SWIFT/BIC code. As an EU candidate and NATO member (since 2009), Albania applies CFSP sanctions from 2022 - transfers for ordinary individuals undergo compliance review; confirm the route with your ATM24 manager.
The route, the receiving bank and the payout amount are agreed before payment.
ALL or EUR to Albanian IBAN through available international routes. Albania has used IBAN since 2009, with IBAN applied to both lek and foreign currency accounts. Albanian IBAN contains 28 characters: AL + 2 check digits + 8-digit bank identifier + 16-character account number. The country's major banks are BKT (Banka Kombëtare Tregtare), Albania's largest bank, Raiffeisen Bank Albania and other commercial banks. BKT is not state-owned: the bank has been privatized, with Çalık Holding as its sole shareholder.
International transfers typically require Albanian IBAN, the bank's SWIFT/BIC and the recipient's full name. The official currency is the Albanian lek (ALL), though EUR is widely used in the tourism sector, especially in Sarandë and Durrës, and bank accounts can also be opened in foreign currency. Albania entered the SEPA geographic zone in 2024, and Albanian banks began operational participation in SEPA in 2025, so EUR transfers to eligible accounts may flow through SEPA infrastructure.
As a NATO member and EU accession candidate, Albania follows the EU's sanctions policy toward Russia, so transfer availability depends on the receiving bank, correspondent chain and AML/KYC review. ATM24 verifies the available route before payment. ATM24 commission starts from 0.9%; international settlement takes up to several business days.
Card transfer for personal use. Accepted by BKT and Raiffeisen Albania. Visa/Mastercard cards are active throughout the country. Confirm the current route with your ATM24 manager
SWIFT transfer - the standard international route. Limits and availability depend on the bank and compliance review. Banks: BKT NCBAALTR, Raiffeisen Albania RBALALTR, Credins Bank. Details: 28-character Albanian IBAN + bank SWIFT/BIC + recipient's full name
Cash is convenient at local markets and small towns. ALL is dispensed by BKT/Raiffeisen ATMs throughout the country. EUR is accepted in Tirana, Sarandë, Durrës (restaurants, hotels, taxis). USD/EUR exchanged for ALL at exchange offices (cashiers)
ATM24 transfers ALL from Russia to Albania: minimum amount confirmed upon request. Exchange rate is fixed when transfer is confirmed. ATM24 considers current routes; contact your manager.
We accept RUB, USD, EUR and USDT — we pay out in ALL
RUB ALL
0.7727per 1 RUB
10 000 ₽ = 7 727 ALLUSD ALL
68.6per 1 USD
100 $ = 6 860 ALLEUR ALL
78.91per 1 EUR
100 € = 7 891 ALLUSDT ALL
68.6per 1 USDT
100 USDT = 6 860 ALL| You send | Payout in ALL |
|---|---|
| 100 USDT | 6 860 ALL |
| 300 USDT | 20 579 ALL |
| 500 USDT | 34 299 ALL |
| 1 000 USDT | 68 598 ALL |
| 5 000 USDT | 342 990 ALL |
Where recipients usually get the money in Albania
SWIFT: RBALALTR; Accepts transfers from Russia: Yes
SWIFT: NCBAALTR; Accepts transfers from Russia: Yes
SWIFT: Confirm; Accepts transfers from Russia: Confirm with your ATM24 manager
OTP Albania — a bank serving personal customers and small businesses. Its services typically include accounts, cards, branches, and digital banking.
Tirana Bank — a local bank with standard account and cash services. Transfer availability depends on the details, currency, and bank rules.
National currency
The national currency is the Albanian lek (ALL). EUR is widely used de facto in the tourism sector, especially in hotels, restaurants and rentals, but ALL remains the official legal tender.
Card systems
Visa and Mastercard are the primary systems. AIPS (Albanian Interbank Payment System) provides electronic payments. Maestro is present on debit cards. Cashless payments are developing actively, though cash still dominates.
Payment applications
Albania has no widely available mobile payment apps for international transfers; the primary channel is bank transfer.
Interbank transfers
Albanian IBAN begins with AL and contains 28 characters; international transfer requires Albanian IBAN, bank SWIFT/BIC and recipient's full name.
Financial regulator
Banka e Shqipërisë (BSH) - Albania's central bank and primary financial regulator.
Specific features for ATM24
Albania is an EU accession candidate and NATO member; from 2022 it participates in EU CFSP sanctions measures against Russia. International transfers undergo standard compliance and AML/KYC review. Route and availability are confirmed before payment.
With an ATM24 transfer the recipient gives their own bank and details, so the money lands directly on the account.
Three steps from request to payout
Fill in the form or write to us on WhatsApp or Telegram — a manager will check the available route
We check the recipient details and confirm the route, rate, fee and payout amount
Once paid, the transfer goes out along the agreed route — we report the status in the messenger
We verify the exact details when agreeing the available route before payment.
Facts, not promises
You see the rate, the fee and the payout amount before you send the money.
The route, rate, fee and payout amount are agreed before payment.
Reference cities with payout locations. Availability of a specific location is confirmed in the request.
Confirm the city before payment
Only methods present in both the country description and the current route are shown.
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Answers to popular questions about sending money from Russia to Albania: lek exchange rate, EUR vs ALL, bank details, cost of living.
A money transfer to Albania in ALL through ATM24 starts with choosing how the recipient will be paid on the Albania ALL payout route. The manager verifies recipient name, payment method, Credins Bank, fee from 0.9%, and estimated processing time before payment. Bank-route examples for Albania: Banka Kombëtare Tregtare, Credins Bank, Raiffeisen Bank Albania, Banka Amerikane e Investimeve (American Bank of Investments / ABI), and Banka Credins.
Yes, where available, the recipient can receive a transfer on a bank-issued card or bank account in Albania in ALL on the Albania ALL payout route. ATM24 checks the bank, card or account number, recipient name, and payout currency before payment; Visa, Mastercard, UnionPay, or local bank-card availability depends on the route. For example, Credins Bank may require a different set of details than Banka Amerikane e Investimeve (American Bank of Investments / ABI), so card and account routes are confirmed separately. Bank-route examples for Albania: Banka Kombëtare Tregtare, Credins Bank, Raiffeisen Bank Albania, Banka Amerikane e Investimeve (American Bank of Investments / ABI), and Banka Credins.
A transfer to Albania in ALL can be sent to the recipient's bank if that bank accepts the incoming credit. Banks to check for this destination include Banka Kombëtare Tregtare, Credins Bank, Raiffeisen Bank Albania, Banka Amerikane e Investimeve (American Bank of Investments / ABI), and Banka Credins. ATM24 verifies the bank, account format, recipient name, and payout currency before the sender pays.
To prepare an ALL payout in Albania, start with the exact recipient name and receiving route. ATM24 checks Credins Bank, Raiffeisen Bank Albania, card or account details, and any route-specific field before payment. The manager clarifies missing data before the order is paid. Bank-route examples for Albania: Banka Kombëtare Tregtare, Credins Bank, Raiffeisen Bank Albania, Banka Amerikane e Investimeve (American Bank of Investments / ABI), and Banka Credins.
A money transfer to Albania in ALL can begin from 15 minutes, but timing is route-based. ATM24 checks recipient details, amount, and banks such as Raiffeisen Bank Albania or Banka Amerikane e Investimeve (American Bank of Investments / ABI). Documents or bank review can extend the processing time. Bank-route examples for Albania: Banka Kombëtare Tregtare, Credins Bank, Raiffeisen Bank Albania, Banka Amerikane e Investimeve (American Bank of Investments / ABI), and Banka Credins.
For a transfer to Albania in ALL, the ATM24 service fee starts from 0.9% and is confirmed before payment. The manager calculates the final amount using the Albania ALL payout route, exchange conditions, recipient bank such as Banka Kombëtare Tregtare, and sender's payment method. Separate bank or card-issuer fees may still apply outside the ATM24 calculation. Bank-route examples for Albania: Banka Kombëtare Tregtare, Credins Bank, Raiffeisen Bank Albania, Banka Amerikane e Investimeve (American Bank of Investments / ABI), and Banka Credins.
Payment for an ALL transfer to Albania can be arranged through an available sender method after ATM24 checks the receiving route. The check includes the Albania ALL payout route, bank such as Raiffeisen Bank Albania, fee from 0.9%, and exchange conditions. USDT network cost or card-issuer charges are confirmed separately. Bank-route examples for Albania: Banka Kombëtare Tregtare, Credins Bank, Raiffeisen Bank Albania, Banka Amerikane e Investimeve (American Bank of Investments / ABI), and Banka Credins.
The minimum transfer amount to Albania in ALL through ATM24 starts from 100 USD or the equivalent. The maximum amount is confirmed before payment and depends on the Albania ALL payout route, sender payment method, bank, recipient details, and possible document requirements. If the recipient changes Banka Kombëtare Tregtare to another bank or switches from account to card, the limit should be checked again. Bank-route examples for Albania: Banka Kombëtare Tregtare, Credins Bank, Raiffeisen Bank Albania, Banka Amerikane e Investimeve (American Bank of Investments / ABI), and Banka Credins.
A large ALL payout to Albania can need document checks when the amount, bank, or recipient route requires it. ATM24 reviews Banka Kombëtare Tregtare, Credins Bank, Raiffeisen Bank Albania, Banka Amerikane e Investimeve (American Bank of Investments / ABI), and Banka Credins with sender ID, source-of-funds details, and payment purpose if needed. The sender receives the checklist before payment. Bank-route examples for Albania: Banka Kombëtare Tregtare, Credins Bank, Raiffeisen Bank Albania, Banka Amerikane e Investimeve (American Bank of Investments / ABI), and Banka Credins.
For a 1000 USD transfer to Albania, the live ALL estimate depends on the current ATM24 route: 68,598.08 ALL. ATM24 calculates fee from 0.9%, exchange conditions, and the recipient route through Banka Kombëtare Tregtare or Credins Bank. The final ALL amount is fixed before payment. Bank-route examples for Albania: Banka Kombëtare Tregtare, Credins Bank, Raiffeisen Bank Albania, Banka Amerikane e Investimeve (American Bank of Investments / ABI), and Banka Credins.
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