In Albania, you may find that different establishments may have a variety of payment options. Some may accept credit cards, some may accept cash in Euro and others will only accept cash in Lek. Be flexible about how you will pay for things. Expect to politely haggle when buying goods from street vendors and similar places. Try not to drive up prices by offering more than is stated and if you don’t like haggling, avoid places where the price isn’t explicitly listed. In high-end places, pay the listed price (after all, there is no negotiation at the Ritz). However, you can always ask if discounts or bundles are available.

          When banking, avoid ATMs that do not have a ‘tap’ option. Again, DO NOT insert your card. Albanian machines may eat your card if you insert it and travelers find it exceedingly difficult to get them back or eventually find that they cannot. A copy of your card through Google Wallet or other similar apps is recommended. Know that companies such as Paypal or Revolut may not be available in Albania. If you are planning to open an Albanian bank account, residency is likely to be required. Only use vetted and reputable people to get help doing any transaction in Albania. Also, understand that the banking process in Albania can be very slow, with long lines to see a teller.