If you are moving to Europe, and climate, cost of living, safety, and long-term potential are important considerations for you, then Albania should be on your list. Read this guide to understand why this country deserves your attention and what you need to know to plan a successful relocation to Albania.
In this guide:
- Albania’s highlights.
- The legalities of moving to Albania: visas and residency options.
- The cost of living: monthly expenses, rentals, and real estate.
- Albania as a retirement destination.
- Infrastructure: travel connections, public transport, internet.
- Buying real estate.
- Healthcare.
- Taxes and bank accounts.
- Where to live in Albania – an overview of the most popular expat locations.
- Tips for moving.
Albania’s highlights
The country is well positioned. Across the Adriatic from Italy, Albania is a 2-hour flight from anywhere in Europe and easy to reach by air, sea, and land.
Albania can cater to any means, from modest budgets to modern luxury living. Though laid-back generally, Albania can also satisfy the active, even adventurous, lifestyle seekers.
Albania’s main seasons are basically spring, summer, and autumn. Most cities experience moderate winters and cool temperatures, with a snow flurry being a once-in-three-year event. If you enjoy the snow, Albania offers numerous snow-capped mountain escapes.
Summer days can average 90°F/32°C and dry. Late autumn is a wet season of approximately 2–3 weeks, and rains can be torrential with occasional flash floods in low-lying areas. Typically, it is only a momentary issue, though.
The urban and modern capital city, Tirana, is a day trip to the full gamut of outdoor life, from the mountains to the pristine coastlines.
Demographically, Albania is a Muslim country, but the people embrace a secular existence. Nevertheless, Eastern and Western Rite Catholic, Christian, and Muslim holidays are recognized and represented in the country.
Albania cannot be considered an LGBTQ destination, and such public displays of affection are not advisable. However, there isn’t any prolific or aggressive harassment towards the community, politically or socially.
An official EU candidate with accession talks started in 2020, Albania joined the Council of Europe in 1995 and NATO in 2009.
The official currency is the LEK (ALL), which has held strong against the Euro and US dollar while still providing a low-cost standard of living.
Visas and residency options for non-EU nationals
Albania has a long list of countries whose citizens are allowed visa-free entry. As a rule, if you are allowed to enter the country without a visa, you are permitted to stay for a period of 90 days.
The UK and EU nationals have the typical 90 days, while Albania provides US citizens with a very generous 1-year stay.
To stay for longer, you need a residency permit.
Residency permits
Residence permit for retirees:
- This visa option allows retirees to live in Albania and enjoy its warm climate and vibrant culture.
- Requirements: Proof of retirement, sufficient financial means to support oneself (minimum of $10500 a year in retirement income), and health insurance.
- The initial visa is valid for 12 months (1 year). Following the first renewal, it extends to two years, and after the third renewal, the visa becomes valid for five years.
Digital nomad residence permit:
- Designed for remote workers, this visa offers the opportunity to live and work from Albania.
- Requirements: Proof of remote work (a contract with a foreign company, a service contract with a foreign contractor, or a contract with a client for a specific remote project), proof of sufficient income (minimum of $10500 a year), an Albanian bank account, health insurance, and proof of accommodation.
Residence permit for property buyers:
- This visa is available for foreign individuals who have purchased property in Albania and wish to reside in the country.
- Requirements: Proof of property ownership, proof of financial means to support oneself, and health insurance.
Getting residency in Albania
Residency needs to be initiated within 30 days of entering the country. If you miss the 30-day mark, just leave the country for one day and enter again.
The process can be started using Albania’s electronic portal, e-Albania, offered in Albanian and English. But you will need to go in person to an immigration office.
Warning: US citizens should consider the potential costs of being subjected to both US and Albanian taxes if they stay in Albania long term.
After five years of uninterrupted residence, you can apply for permanent residency in the Republic of Albania.
The cost of living in Albania
Albania is very affordable. Rent, real estate prices, monthly costs and entertainment are very reasonable.
Here is how the cost of living in Albania compares with some of the northern European and North American countries:
Albania provides a low-cost but quality standard of living for foreigners. However, the cost of living, specifically rent and nightlife, is subjective to the time of year and area.
You will find that rent and nightlife along the Adriatic and Ionian coastlines are very expensive during the summer season. It can be very difficult to negotiate an annual rental agreement close to a tourist area for a reasonable price. Generally, if you move a bit away from tourist areas, you will find good value for your money.
Housing
The capital, Tirana, is the most expensive place to be. It’s especially noticeable with new property development prices in Tirana. Albania is undergoing a massive residential development phase, with dozens of apartment complexes springing up all over the capital city.
These complexes are very modern and well-equipped, with all the essentials from markets, cafes, pharmacies, dry cleaners, barbershops /salons, gyms, etc. However, they average around $1400/1200€ per sq. meter.
Many are offered for long-term rental around $400-$500/350€-425€ a month for a 2-bed 1 bathroom apartment. Utilities can run approx. $100/85€ a month. Existing real estate is cheaper even in the same areas.
Near the beach in Durres, older 2-bed apartments can be found at around $50K/40K€. Rents for the same apartment could average $300/250€, depending upon the apartment’s summer rental history.
Monthly expenses
Tirana has a cheap public transport system (less than half a dollar/Euro) and is very walkable and bikeable.
General items at the market are reasonable. A week’s worth of groceries for a typical family will average around $100/85€.
Local restaurants are cheap and offer various food, from traditional fare to hamburgers, doners, and pasta. An expresso averages $.70/.60€.
There are some KFC and Burger Kings in Tirana that will cost more.
Tirana’s Blloku district is the country’s preeminent drinking and dining scene, and prices there will be very US/UK-like.
Other everyday items in Tirana:
- Petrol – $1.60/1.40€ per liter
- A haircut – $4.50/4.00€, and
- Typical monthly phone/10GB data packages – about $14.50/12.50€. You will need an Albanian SIM card for any long-term stay.
Albania as a retirement destination
According to the Expatra Global Retirement Index, Albania is in the top 20 best countries to retire in the world.
The index is based on the Expatra Global Retirement Survey that asks international retirees to rate their retirement destination’s infrastructure, climate, ease of settling down, value for money, friendliness, and other aspects of life in their retirement destination.
Here is how Albania scores:
Albania has modernized its retirement permit. The new policy allows retirees to receive residency based on basic requirements, including a pension, a notarized rental agreement, and private health insurance.
To apply for an Albania Retirement Visa, you will need the following:
- Completed and signed Albania Retirement Visa Application Form.
- Photocopy of your valid travel document.
- Two recent photographs (47mm x 36mm).
- Proof of suitable accommodation in Albania (certificate or lease contract).
- Proof of an annual income of 1,200,000 ALL (approx. $10,500) from your country.
- Bank evidence from a second-tier bank in Albania for pension transfer.
- Health insurance certificate valid in Albania.
- Legalized Judicial Records Certificate from your country.
- Statement explaining the motive of your stay in Albania.
Considering the cost of living, modern private healthcare and caregivers, affordable housing, year-round good weather, and tax-exempt pensions, Albania is an appealing retirement option.
Safety
Albania does have an issue with organized crime, but the most you’ll see regarding that is the Ferraris, Lamborghinis, and Bentleys showing off in Blloku on a Saturday night in the summer. Even with that issue, the US rates Albania at Level 2. In truth, unless you’re involved in such behavior, it will not impact your experience.
If you choose to live in one of the luxury residential communities, those types of individuals, as well as ambassadors, politicians, and celebrities, will be your neighbors. But, regardless of where you live, encountering any violence is rare.
The most common crime you’ll see is traffic violations. Albania is very safe for single travelers, females, families, LGBTQ, and the elderly.
Regarding COVID-19, Albania handled the issue comparatively better than many other countries. Albania has an effective vaccination program (including US and EU-approved vaccines), and everyone is eligible, including non-residents.
Albania has maintained one of Europe’s lowest infection and fatality rates from COVID, has had only one national lockdown, and restaurants/cafes are functioning as normal, with masks and other health security precautions.
Travel connections
Albania is well-positioned for travelers wanting to explore Europe and Meditteranean desstnations. International flights are availble from and to many countries in the world.
Air travel
Major airlines operate in Tirana International Airport (TIA) offering flights to and from Albania include Turkish Airlines, Alitalia, Lufthansa, Wizz Air, and Air Albania.
Flights from countries like Germany, Italy, the United Kingdom, Turkey, and Greece are commonly available. Prices vary depending on the season and the departure location, but average prices for round-trip flights from European countries range from $100 to $300.
Sea routes
Albania has several ports along its coast, providing options for ferry services. Popular ferry routes include connections to Italy (Bari, Brindisi) and Greece (Corfu, Igoumenitsa).
Companies like Adria Ferries and Red Star Ferries operate these routes. Prices for ferry tickets start from around $40 and can go up depending on the route and cabin class.
Public transportation
Albania’s public transportation system is not very impressive to say the least. It consists of buses and minibusses called “furgons” that connect cities and towns.
In major cities like Tirana, you can find a relatively decent public bus network, but it can be overcrowded during peak hours. The furgons, on the other hand, are more prevalent in rural areas, making it convenient for local travel.
However, they often operate on irregular schedules and can be cramped.
Due to the limitations of public transport, many residents and expats in Albania find that owning a car is essential, especially if you live ouside of urban centers.
Internet
The average download speed in urban areas is around 50 Mbps, while in rural areas it can vary between 20 and 30 Mbps.
If you’re living in Tirana and Durres you’ll have a good internet connection.
Digicom offers 1 Gigabit download speed for around 3,000 ALL.
Other providers are Abissnet, Tring, and Vodafone.
Mobile internet: start from around 300 Albanian Lekë (ALL) for a monthly data allowance of 1GB.
Postpaid mobile internet plans can range from approximately 800 ALL per month for 5GB of data to 2500 ALL per month for unlimited data.
Buying real estate
Foreigners can buy property in Albania, whether in the capital or along the coast, except for agricultural land exceeding 1000 sq. m., which requires establishing a local company.
Purchasing real estate in Albania can also grant a residence permit, requiring a minimum living area of 20 square meters per person, regardless of property value.
Fees and expenses:
- Registration fee: €80.
- Notary fee: €150–€450.
- Real estate agent’s fee (2% for the seller, 1% for the buyer, sometimes included in the price).
For new constructions, extra fees include:
- Municipal fee (0.1-2.5% of the contract amount).
- Property insurance (1% of the transaction amount, valid for ten years).
Albania does not impose a property tax except for a local municipal tax.
Average property prices in Albania:
| City/Town | Average Apartment Price |
|---|---|
| Tirana | $200,000 |
| Durres | $150,000 |
| Vlore | $120,000 |
| Shkoder | $100,000 |
| Elbasan | $90,000 |
| Fier | $80,000 |
Healthcare and health insurance for expats in Albania
Albania has a functional nationalized healthcare infrastructure, and everyone is eligible for emergency treatment. Anyone can go to a local doctor’s office and get basic treatment and prescriptions for approximately $25/20€.
However, valid health insurance is a residency requirement.
Hospitals
Albania has a very modern private medical sector, with hospitals accredited by the US, Italy, Greece, and Turkey.
These private hospitals and clinics are equipped in all medical areas, including cosmetics for both men and women. They’re very affordable, and depending upon your deductible, the bill is usually quite reasonable.
The most popular hospitals include:
- The University Hospital Center “Mother Teresa”, located in Tirana, is known for its comprehensive range of services and expertise in cardiology, neurology, and oncology.
- The American Hospital, also situated in Tirana, stands out for its modern infrastructure and exceptional healthcare services, including surgery and emergency care.
- Hygeia Hospital in Tirana focuses on patient-centered care and offers specialized treatment in areas such as orthopedics, gynecology, and pediatrics.
- The Regional Hospital of Durres, serving the coastal city of Durres, offers a broad spectrum of medical services, including internal medicine, surgery, and emergency care.
- The Shefqet Ndroqi Hospital in Elbasan provides specialized care in fields such as cardiology, urology, and dermatology.
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Nestled among mountains in the northern part of Albania, Lake Koman has the looks and climate of Scandinavian fjords.
Expats in Albania
Foreign visitors are significant to Albania’s economy, and foreigners are welcomed everywhere. Albania is already a European vacation secret, with most tourists coming from the UK, Italy, Poland, the Czech Republic, Ukraine, Germany, Russia, and the Balkans.
The expat community grows every year. It’s composed of nationals from all regions of the globe, with a significant presence from Italy, the UK, and the US. And, with embassies representing virtually the entire international community, no one is ever far from their home or services.
Taxes in Albania for expats
The most common tax in Albania is a sales tax of 20% on virtually everything already in the price. Paying income taxes in Albania requires an accountant.
There are 3 types of personal income that are subject to tax:
Employment income: As of 1 January 2024, the tax rate on employment income is 13% on annual taxable income of up to 2,040,000 ALL (just over $21,000) and 23% on income in excess of that amount
Business income (self-employed and commercial individuals): The tax rate on business income for individuals is 15% on annual net taxable income (taxable profit) up to ALL 14 million and 23% on annual net taxable income exceeding ALL 14 million.
Investment income: an investment income tax rate of 15% is applied to all types of investment income, including private pensions, other than dividends, for which the income tax rate is 8%
US citizens will pay both US and Albanian taxes. Non-residents pay taxes only on Albanian income.
Opening a bank account
To open a bank account in an Albanian bank as an expat, you will need the following documents:
- Valid passport: Bring a copy of your passport, which should be valid for at least six months.
- Proof of address: Provide a document that verifies your residential address, such as a utility bill or a rental agreement.
- Residence permit: If you are a non-EU national residing in Albania, you will need to present your valid residence permit.
- Tax identification number (TIN): Obtain a TIN from the Albanian tax authorities. This number is necessary for various financial transactions.
- Employment or income proof: Depending on the bank’s requirements, you may need to provide documentation that verifies your employment status or proof of income, such as a job contract or bank statements.
- Initial deposit: Prepare the initial deposit amount required by the bank. The minimum deposit often varies depending on the type of account you are opening.
The pros and cons of living in Albania
As with any destination, there are good and could-be-better elements in living in Albania. Regarding the Balkans, though, Albania has much more to offer than most other countries. Nevertheless, some things are lacking, but Albania is working to improve as it moves towards EU membership.
The pros of living in Albania
1. Best food scene in the Balkans
Tirana undeniably has the best food scene in the Balkans. The majority of the options are concentrated in the Blloku district, but you can find amazing places to eat all throughout Tirana.
From US-style steakhouses to some incredibly fresh and excellent sushi, virtually every cuisine is available. There is even an all-you-can-eat sushi event (average $20/17€) every weeknight.
2. Amazing nature and history
Running the full length of the country’s western border, Albania’s Adriatic and Ionian coastlines are an absolute joy for the eyes. The picturesque mountains offer an unparalleled alpine experience all year long, from camping to skiing.
Albania is littered with ancient Greek and Roman remains and has four UNESCO sites and numerous more under consideration.
3. Very hospitable locals and culture
Albanian people are incredibly welcoming and hospitable. The millennium-old old culture strives to maintain authenticity while working towards modernization. The Albanian code of ‘Besa’ invokes a duty upon every Albanian to provide warmth and security to all visitors to the country.
The cons of living in Albania
1. National bus system
Though there is an effective public transport system in place within the cities, going from one city to another can be very time-consuming and overwhelming.
You may need to take four buses and nearly two hours to get from Tirana to the beaches of Durres (30 minutes west) in the summertime. And these buses terminate rather early. Often, the final return is around 19:00 (7 pm).
2. Import tax
It’s very expensive to have anything internationally mailed to you in Albania. The import tax (Dogana) is nearly 25% and applies to the total value, including the cost of shipping.
3. Albanian is a difficult language
Learning Albanian may be a bit too difficult for many people. With an alphabet of 36 characters, some are pronounced with sounds most native English speakers will find difficult to make.
Italian is widely spoken in the country. English is common in Tirana. People in all private hospitals, many government agencies and tourist areas speak good English. Most of the youth and young professionals also speak English.
Where expats live in Albania
The expat community is scattered throughout the country, as Albania offers every environment.
Those who prefer a truly urban setting live in Tirana. The beach life is focused in cities such as Durrës, Vlora, and Saranda. If you desire history and tradition, head inland to Berat, Shkoder, Gjirokaster, and Korca.
For more information on various locations, read our “Best Places To Live In Albania As An Expat” guide.
What you should know before you move to Albania
Albania is still very much a cash-based society. In the malls, large markets, hotels, Blloku district, and tourist venues, credit cards are accepted. Expect to pay rent in cash. Always use the local currency as a very high conversion rate is applied.
The communications infrastructure is modernized and provides very good and reliable internet. The significant exception is in the mountains and some places in the northern regions.
Albania has three international airports and three international ferry ports. Be cautious of ‘fake’ taxis due to excessive prices; real taxis have yellow license plates.
Tirana has several very nice malls filled with high-end brands. Regardless of where you choose to live, you may need to go to Tirana to get certain things done or find certain products.
Expect to drink only bottled water.
Pork and spicy foods are available but not common.
Smoking is ubiquitous, and driving can be treacherous.
As locals earn roughly $18/15€ for an 8-10 hour shift, a 10% tip is considered generous and very appreciated.
Living in Albania – summary
Albania is very much a diamond in the rough, and you do need to know it better before making relocation decisions. Start with Albania as your summer getaway, and let it become your home.
The greatest element of Albania is the ability to enable you to invest in a very promising future while being able to enjoy today as well.
Didn’t find what you were looking for or need further advice? Comment with your question below, and we will do our best to help.
Other locations in the Balkans to consider:
Helpful external links:
- Advice for British nationals living in Albania – UK government guidance.
- Albanian traditions and customs – AFS-USA.
- Albania travel update – Travel.State.Gov.
60 comments
James
Why do you pay such exorbitant rentals in Albania when you can rental flat in Sicily or Azores for €200 per month? Continent is the source of culture and all our troubles.
James
I’m self-employed all my life and I will never retire. For retirement I will have to work or purchase a revolver or a shot gun. Isn’t life wonderful.
MC
Hey Tom, I love your coverage of Albania! I am an American who has been on the north coast for 6 months and it is sweet. I’d love folks to know about an opportunity in Tirana (no commission or anything for me, haha) because I have had the best experience with my landlady, and she has another place there. Do you know a digital nomad site (if not here) where I can list it? It’s only US$400/month, in a wonderful location near nature and bike trails, as well as bus and easy parking. It’s a modern, furnished one-bedroom with a double-bed, two bathrooms, spacious living room, balcony, great internet, central heat, air, electricity, fully equipped kitchen, internal laundry room (which has space for a bicycle), and has been empty for a year, so the energy is really good, especially because the owner is the kindest and sweetest. Plus, she’s an immigration attorney, a young Albanian mom now raising her sons abroad, and therefore can legally assist the renter looking to stay long-term. It works so well to keep this as a base and travel. If gone for longer spells, the lease might be able to be maintained without utilities for only US$300/month. Her family has one of the best tourist bus businesses here, so they are super hospitable and responsive and can recommend places to newcomers. I love the ease and comfort of Albania! You represented it well. Thanks, MC p.s. I’ll remove the info about the apartment once it’s rented, and leave my praise…
Julian
Hey MC ~
Thank you very much for your comments and for contributing to our knowledge base.
WOW, that apartment genuinely is a great opportunity.
My suggestion, if you are looking solely for a Digital Nomad audience, would be Facebook groups. There are several Facebook groups that are entirely or predominantly Digital Nomads in Albania or looking to visit Albania.
There are many posts about available apartments just as you are suggesting to make.
I would also suggest, if this would suit the landlady’s needs, if the apartment is located in walking distance or at least convenient to any of the international schools, to let the school admins know about the apartment. Over the past 2 years, many more teachers from the UK and US have been coming to Tirana to teach at the international schools – 2 have moved into my apartment complex in the past 6 months – 1 from Wales and the other is an American family and the mom teaches at one of the schools. This apartment sounds perfect for a single person who it also teaching at the schools – provided its location works.
Just a couple of ideas for you MC – hope they help.
Thanks again for being a valuable member of the Expatra community and contributing to our knowledge base.
Julian – Global Talon
Explore, Experience, Engage
Warren R. Johnson
I found your article very helpful. Thank you. I have one question concerning taxes for an American retired expat. Are annuities taxed? Thanks1
Lesia
@Julian,
I am from US. My situation is a bit unusual. When I will retire, I will have both: social security which I will be able to start receiving at age 67, but I will also have a real pension (I worked for government). So, my question is: will my US pension be taxed? Will my social security be taxed? Thank you, Lesia
Ola Williamson
Hi Lesia, I am afraid we cannot provide any tax advice. US citizens are generally taxed on their income by US government regardless of where they reside. You need professional advice to make sure you are doing everything correctly.
Julian
Hello Warren –
Thank you for reading our article about Albania and contributing to our knowledge base.
One of the things that, especially, US citizens need to adjust to the first time they move outside the US is the tax code.
In most countries, Albania included, the tax code is very straightforward, unlike in the US. There are no standard deductions for filing as Single, Married, or Head of Household, and things like that.
If something is putting money in your pocket, it is taxed.
Some countries in Europe are offering special visas and programs providing a term of zero taxation or reduced taxation on all or certain types of incomes, such as pensions, but otherwise, if it is putting money in your pocket, it is taxable at the regular rates.
The Albania tax code basically recognizes residency or non-residency and income from employment and income from other sources – i.e. stocks, annuities, etc.
Residency pays taxes on all income, globally or in Albania.
Non-residency pays taxes only on Albanian income.
Residency income generated by non-employment has a threshold of approximately $250 dollars a month – under that is not taxed. Above that is when you venture into the 13%-23%+ tax rates.
There is some current confusion regarding whether retirement is taxable.
In one place in the law, it states EU pensions and in another, it states foreign pensions.
Also, the word pensions is a bit confusing, as the US doesn’t really have pensions any longer, so what constitutes a pension [i.e. retirement income] is somewhat vague.
This is concerning the Albania Retirement Permit which provides for tax-free pensions. With a very good attorney, you may be able to prove your annuity is really a pension, but there are no guarantees.
Nevertheless, remember [if a US citizen] there is no double taxation treaty between the US and Albania.
Hope that is helpful Warren.
Julian – Global Talon
Explore, Experience, Engage
Jvern
Great article but your rental prices for Tirana are out of date.
Digital nomads, over-construction and the like have created a false economy in Tirana and have pushed rental prices to an astonishing level for Albania.
Unfortunately, pushing Albanians on regular wages out of the Tirana rental market in the midst popular zones.
Expect to pay a minimum €500+ per month.
I had rental agencies laugh at me because I returned to Albania thinking I could rent a Central/Liqeni Area/Komuna e Parasit apartment for a maximum of €400 p/month including tax!
Also, if you want a legal contract then the owners will expect the renter to pay their rental income tax, so add 15% to any listed/negotiated price.
To get residency you must have a legally notarised contract.
Tara
hi! great article! We plan our trip to Balkans and consider spending some time in Albania as it seems breathtaking!
A few questions (not sure if you know):
1. You mentioned one year visa-free for americans. And we found information online that after 1 year, one must be outside the country to reset the clock and get another year. What if we stay only 6 months then leave for a month or a few months and decide to come back. Will this reset the clock and when we re-enter we will get another year OR should we just count it all within the first 365 days? This is unclear. Maybe you or your friends had such an experience and know this.
2. Can a tourist open a bank account in Albania? If so, what do we need to show (which documents)? Also, if we transfer money from the US to Albania, is there a pickup location/service for Wise, Western Union etc.?
3. How does one find a long-term apartment in Albania for 6 months for instance? Do we need to sign a lease? Do we need to find a broker or is it possible to just walk around a see what’s available for rent (in some countries it’s as simple as that). Also, what’s their rules (deposit etc)?
Thanks so much!
Tara
@Julian, thanks for taking time and answering. We actually already found online banks with no ATM international fees, so it’s a good time to switch to one. Again, appreciate all your ideas and solutions and best of luck with your upcoming release!
Julian
@Tara,
I do not wire money, simply due to the cost of conversion and transaction. Paying those fees is simply not necessary in 2022.
With the incredible rise of the Digital Nomad sector, there are many US banking options that offer free international ATM use as well as no conversion fees and no foreign transaction fees.
I’ve been using them for years. If you do a lot of international traveling, you really need to leverage such banking options to eliminate these fees.
I apologize, but I cannot make any specific recommendations (naming institutions and banks) for financial issues here.
Please remember, that this is not my personal site.
I am in the process of finalizing my latest book which includes a chapter about this very topic, and I am able to list the specific services that I use there.
I am hopeful this will go to print by year’s end.
In the meantime, the only means of giving you more specific information is via my online consultations – when and if you are interested in that.
Thanks again Tara for your comment, questions, and contributions.
Julian – Global Talon
Explore, Experience & Engage
Tara
@Julian,
thanks so much for your reply! We will definitely save your email and will be in touch when we’re about to be ready for our trip!
You mentioned that the Western Union / Wise transfer is not recommended, I’m guessing – safety issues? So, based on this, one last question here (it might be useful for others as well) – you mentioned ATM card, but…for instance, our bank charges us tons of money (international fees) every time we use ATM abroad. Would you recommend a safe online bank that has free ATM cards in Europe for americans? (free ATMS in Balkans and Italy especially)? thanks!
Julian
@Tara,
Thanks for reading my piece and contributing to our knowledge base.
1: Once you enter Albania, the 1-year clock begins and runs non-stop until the 1-year expires. Leaving during the 1-year does not reset the clock. You will still need to leave at the 1-year mark and remain outside the country for 3-months before you can re-enter.
2: Yes, there are Western Union locations in Albania, but I would not advise wiring money, ever. It’s best to simply withdraw it from the ATM.
3: Finding a long-term rental greatly depends upon the area and time of year in which you are looking. It’s not possible to address all your specific questions in a general sense here as they vary considerably from situation to situation. All of what you ask is possible to do or to occur. I would suggest that you book a 1 or 2-month stay on a site like VRBO and then work the situation from there.
FYI, I offer online consultations if you would like to consider that, and we would be able to go into greater detail about your specific situation.
You can simply email me at globaltalon1@gmail.com for further information about that if you would like.
Thanks again Tara for your comment, questions, and contributions.
Julian – Global Talon
Explore, Experience & Engage
Rockey
Hello Julian,
Thanks for valuable and keen information about the Albania. Above article is very much interesting. We are family of 2 and looking for relocation to Albania. We both are based in India and seeking more information about job opportunities, accommodation and health Services. we are 40 years old and working professional in Pharmaceutical Industry. Please suggest, how much cost of living we have to consider if we relocate and plan our retirement there. And what are the other measures we have to take to move forward to Albania.
Thank you so much… !
Julian
@Rockey,
Thanks for reading my piece and contributing to our knowledge base.
To be honest, cost of living is a difficult question to address as it differs with everyone and depends upon where you want to live, what you require in housing, and what sort of life you intend living.
It’s very possible for a couple to live on $2000-2500 a month, but again, that can go up or down significantly.
In regards to actually staying in Albania, that also depends upon a number of factors, including your passport. So, it’s not possible to go into that here. You stated that you are “based in India”, but that doesn’t mean you have Indian passports.
FYI, I offer online consultations if you would like to consider that, and we would be able to go into greater detail about your specific situation.
You can simply email me at globaltalon1@gmail.com and me for further information about that if you would like.
Thanks again Rockey for your comment, questions, and contributions.
Julian – Global Talon
Explore, Experience & Engage
Michael
Wonderfully informative article! Thank you!! Any thoughts on bringing pets (2 lab retrievers) over for up to a years stay?
Julian
Hey Michael,
Thanks for reading my piece and contributing to our knowledge base.
Honestly, I have a dream of adopting a stray cat I meet along my journeys and have him/her travel with me.
I have met several people who have brought their furry family members to Albania with them.
They told me that they enjoyed having them along.
Just a few points to consider.
1: There are vets and vet hospitals, but you will want to rely on the ones in Tirana.
2: The vets/hospitals are not always easy to get to, and to my knowledge, your dogs will not be able to ride with you on public transport.
3: There are a lot of stray dogs in Albania (in the Balkans actually in general) so be aware of that regarding walking through the streets with your 2 dogs.
4: Labs are big dogs, and you have 2 of them. I’m not sure how experienced you are with Europe in general, but apartments in Europe are much smaller than in the US (I’m guessing that is where you are). So, a place big enough for you and 2 large dogs may be a bit expensive/difficult to find depending upon your arrival date.
5: During your apartment search, make sure you inform the apartment owner that you have 2 dogs. It’s not just an issue about potential damage to the apartment, but a noise issue and the neighbors. You don’t want to have to find a new place a few months after getting settled in.
6: Also, be sure to have an apartment secured prior to arrival, not only will you need the address for the paperwork, but I’m not aware of any hotel (currently) that will allow you to have them.
7: Most important element in your planning is to be sure your current vet is USDA approved (if you are in the US) and your dogs have electronic chips. If not, those are your first moves. Both are required for bringing them to Albania.
Thanks again Michael for your comment, questions, and contributions.
Julian – Global Talon
Explore, Experience & Engage
Elijah
What are the job opportunities that are available in Albania and what is the earnings like. Also is it easy to get.
Julian
Hey Elijah,
Thanks for reading my piece and contributing to our knowledge base.
This is a bit of a very specific area of interest, so I will provide a general answer here. But, if you would like to discuss this more in-depth, please note that I offer online consultations and you can contact me via email for more info about that; if you would like.
Honestly, the employment situation in Albania is bleak. There are several reasons for this, and one of them is definitely the War in Ukraine and how that has affected economies all over Europe.
For expats and digital nomads, Albania has a lot to offer.
For foreigners who are looking to get a job abroad, I cannot recommend Albania.
There are several international schools in Tirana and Durres that teach in English, and there have been some Americans who have come here for teaching or administrative roles in those schools.
But the pay is nothing like in the US or Europe and though it is above the average for jobs here, it is not very good money. The roles are also very difficult to get.
The schools genuinely want to hire Albanians who have been educated in the US and speak fluent Albanian & English.
Everyone that I have known that had one of those roles has also had to have a second job teaching English online to supplement their income.
As far as trying to get a work visa for Albania, that is the least common visa they ever issue, and I could not honestly tell you about the chances for having such approved.
I’m not sure where you are from Elijah, and what your skillset is, but do not rely on finding a job in Albania as part of your relocation plan; TBH.
Thanks again Elijah for your comment, questions, and contributions.
Julian – Global Talon
Explore, Experience & Engage
Dan
Hi Tom!
I enjoyed this article. I just arrived in Tirana, planning to stay a year moving between cities. I went to get some cash and learned that my ATM card had expired the last month.
I can Western Union cash from my account, but it’s a 6% fee.
I’m really in a pickle.
I booked some Air Bnbs with my credit card, so I have lodging and I can get cash through western union. My plans have certainly been altered.
I would like to have my son mail me the new ATM card. However, I’ve heard international postage to Albania is high, mail is slow to arrive, and that mail is held at the post office rather than being delivered. And it’s an ATM card, so I don’t really want it in the mail any longer than necessary.
Should I contact the embassy?
Do you think I could have the ATM card mailed to an Airbnb host?
Any suggestions?
I don’t know what to do.
Julian
Hey Dan,
Thanks for reading my piece and contributing to our knowledge base.
Dan, I wish I had an easy solution for you, but there really isn’t one at the moment.
I’m going to post this info here, as it may help others, but if you need any more specific information, I recommend you email me privately.
To begin with, this really matters exactly where you are in Albania.
It will be best if you can be in Tirana or Durres. I have personal experience (with such a situation) in those 2 cities.
First:
The government post is out of the question, so don’t even consider that as an option.
Your only options are either DHL or UPS – and yes, both will be very expensive.
I recommend not using FedEx as FedEx employs a local carrier to transit postage from the airport to their local distribution centers and that local carrier taxes you as well. And just adds one more set of hands for things to get lost.
Thus, that means you should not use international mailing through the US Post Office as they simply hand it over to FedEx.
Second:
You’ll need to go and pick it up in all situations in which they think Dogana (import tax) must be paid.
You won’t owe any in this situation, but that doesn’t mean they won’t try, especially if the contents of the package are not clearly identified in the postage manifest (which I recommend not doing).
Simply, call it a personal legal documents.
But, in most cases, unless you are in a very commercial area or a newer residential community, they are probably not going to deliver. You may have noticed that many houses don’t even have address numbers on them. The post is definitely an element of the infrastructure that needs critical attention.
So, expect to have to pick it up and if you need to go and pick up the package at the UPS/DHL office, the ones in Tirana and Durres at the easiest to get to.
On that note: DHL & DHL Express are 2 separate entities and have separate offices, so be sure you know which one to go to. In most cases, your son should be able to ask the location when he is mailing it, but just back yourself up with your own research as well.
Third:
Do not activate your new card until you receive it. If need be, have your son activate it after you let him know that you have it. But inform him to send the card just as it was received in the mail.
Fourth:
I would not bother with the embassy. They are not going to consider this an emergency and will probably question you about why you didn’t notice the date prior to leaving the US and so on.
How I did this:
In my experience, I found that this is the best, safest, and most reliable way to receive anything important via the mail, but it does add cost.
I went to either Kosovo, Macedonia, or Italy and booked a room at a good hotel. I used Marriott hotels as I am a Titanium Elite member, so they handle things very well for me.
I used the hotel address and had it sent there. Especially in the Balkans, there is a very good reason to do this, but for here, just know that it’s the best option.
It arrives at the hotel every time. You could try a hotel in Tirana such as the Plaza or the International, but at this time of year, they may be full.
Email or call the hotel first and ask them if the package would be delivered to them or not.
I hope that helps Dan. Like I said, its not a problem with an easy solution unfortunately as of yet.
Finally, for securities purposes, just keep your old card and don’t simply toss it out. After about a year, then tear it up, burn it, and get rid of it.
Thanks again Dan for your comment, questions, and contributions.
Julian – Global Talon
Explore, Experience & Engage
Nadeem Hassan
We are Indian nationals who have been living in the UAE since 1996. We are interested in information on Albanian permanent residency and would be grateful if you could put us onto a reliable agent.
We look forward to hearing from you.
Nickyhassan66@gmail.com
Thank you and best regards
Nadeem
Thank you for all the information. Do you happen to know any reliable agent or lawyer in Albania who can assist us with the process?
Ola Williamson
Hi Nadeem, it would probably be better to consult Tom Julian privately, you can find his contact details on his Expatra page: https://expatra.com/author/tomjulian/
Good luck with your relocation!
Julian
Hey Nadeem,
Thanks for reading my piece and contributing to our knowledge base.
Permanent residency in Albania is essentially earned.
You have to first obtain a long-term visa, a Type D visa, and then you are eligible for permanent residency. The process used to take 5-years from first entry to permanent residency.
Since November, the parliament has been changing the law, then it has been rejected and changed back, and so on. And they have added new visas, such as a Digital Nomad visa and a Retirement Visa.
The changes were meant to streamline and simplify the process, as everything is done online now.
In your situation, the process would essentially need to follow this process.
As Indian nationals, you need a visa to enter Albania. So, you would want to apply for a Type D visa.
Again, the new process requires that you do everything online.
This is the site: https://e-visa.al/
Again, you want to apply for a Type D.
You can read more about the process on the Albanian gov’t site:
https://punetejashtme.gov.al/regjimi-i-vizave-per-te-huajt/
Also, be advised (as you did not mention when you intend to make this move) that Indian nationals can enter Albania visa-free for short-term stays between April 20-December 31.
In that case, you must begin the long-term visa application, Type D, within 30 days of arrival. Otherwise, you need to leave Albania and re-enter to restart the 30-days.
After you submit the online application, you will receive an email with further instructions, which requires going to the immigration office in Tirana.
So, make sure that you know how to get to Tirana if you are not living in Tirana.
You will need to take all the paperwork required with you to the visit. Make sure everything is translated into Albanian by a certified translator, and all Indian documentation must also have an apostille.
Probably just as the process was for you to live in the UAE.
FYI, this is the site for the Albanian Embassy in the UAE:
http://www.ambasadat.gov.al/united-arab-emirates/en/consular-services
Most people have told me they have done the entire process themselves without any issues.
I do provide online consultations about connecting people to my network as well as addressing more involved inquiries.
Feel free to email me to discuss that option.
Thanks again for your comment, questions, and contributions.
Best of luck!
Julian – Global Talon
Explore, Experience & Engage
lydia D'Angelo
hello
Im an older lady in her late 50’s. I have a pet Chihuahua and I am on SSDI for the rest of my years. I wish to live out of the USA for the remaining of my years. Is it an easy process for an older person like myself to travel alone to Albania? I had planned on staying at an Air BnB at first for long term and then take it from there. Any basic advice?
Julian
Hey Lydia,
Thanks for reading my piece and contributing to our knowledge base.
Regardless of age, life in Albania is good for anyone. You have your choice of the mountains or beaches, or both if you want. You can be in the very busy urban capital or choose a slower pace in one of the smaller cities.
The summers do get sort of busy and crowded everywhere, so keep that in mind.
The idea of finding an Airbnb host to rent long-term is a good idea. That is exactly what I did.
I would suggest however to use VRBO instead of Airbnb. VRBO is the European version of Airbnb and is only for European properties. It is much easier to move the conversation off the platform and to Whatsapp or e-mail if that is a better situation.
Be advised, that the host will probably only want to rent the first month on Airbnb or VRBO and then handle the remaining months as cash. Simply due to the 20% cut Airbnb takes.
You did not mention when you are intending to make this move, so let me offer this. I would not plan from May to September. That is tourist season, and it will probably be very difficult to secure a long-term rental at a reasonable rate in most places.
I would recommend trying to make the move between October to February, as that would be the best opportunity to secure a good apt in a good area for a good rate.
Also, be sure to tell the host about the dog, as some people do have a cultural/religious issue about keeping dogs inside the home. Otherwise, you could get here and have an issue.
The likelihood is low that you would have any problems of any kind, but I always inform people about every possible scenario.
Finally, I would recommend establishing a bank account that offers free international ATM use and no foreign transaction or currency exchange fees.
Most places are still cash only, so you will be using that often, and thus those charges can add up.
Well, Lydia, I hope that was helpful.
Also, please note that I offer video consultations if you would like to talk more in-depth and or about more specific things.
Simply, email me for details.
Thanks again Lydia for your comment, questions, and contributions.
I wish you the best in your next stage of life!
Julian – Global Talon
Explore, Experience & Engage
Wes Groleau
“Pensions are tax-exempt.” Does that include US Social Security? But investment income is taxed. Is there a tax treaty with USA to avoid dupe-taxing?
Julian
Hey Wes,
Great questions!
Thanks for reading my piece and contributing to our knowledge base.
And, Happy Fourth of July!
The use of the word “Pension” is one of those significant differences between US and European culture.
In Europe, a pension is the monthly allotted government money that is provided to people who have reached the age of retirement or cannot work any longer.
So, while the law does not use the term, US Social Security has been consistently considered the same as a pension in Albania.
In regard to a tax treaty, the answer is No.
There is no tax treaty between the US and Albania (at this time) so double taxation is a possibility.
I am currently writing a book that I hope to publish soon about being a Digital Professional and I discuss this topic, as there are some options available that can help prevent or mitigate this issue.
Much of the information in the book will be useful for expats.
When published, I will announce it on my website and on social media. Hopefully, it will be useful to you.
Thanks again Wes for your comment, questions, and contributions.
Julian – Global Talon
Explore, Experience & Engage
James yancy
I’ve been here in vlore and durres for 3 years now, with the 3 month breaks.
Love it, the people are awesome in vlore you drink water right out of the tap.
As for driving its safer then new York or DC.
We rent a 3 bedroom fully furnished 50 yards from the beach utilities included for $680 a month. It is great for everything.
No Walmart’s no big box stores. And it’s cheap. Glass of red wine $2.70
Vegetables are dirt cheap. And taste like vegetables. Property prices are starting to go up so be quick. Dental $20 for check up and cleaning and the dentist’s are as good as the states.
Prescriptions are cheap.
Plenty of business opportunities if that’s what your looking for.
And crime is basically non existent.
Julian
Thanks for your contribution to our knowledge base James.
Julian
School life in Albania very much depends upon where in Albania it is and the income level of the family.
Outside the big cities, such as Tirana, I have some areas that are pretty much only 5 or 6 rooms and are for grades from 6 to 12. There were no computers or not even very good heating.
However, in the big cities, the public schools are generally well equipped and large.
The private schools are very close to want you would expect in EU countries, such as Germany and Italy.
The school day is generally shorter in Albania, typically starting around 8am and the kids are out by 2pm. However, there are times during the year that school day can start as late as 12.
The schools do try to integrate all the kids in class, including special ed students. They simply assign a trained teacher assist to attend the classes with the child.
Most schools do teach foreign languages, including Italian, German, and English.
Unfortunately, I do not know of any videos, but if you contact some of the private / international schools in Tirana, they may be willing to do some sort of online get together with your class. Just keep the time difference in mind, Albania is 6 hours ahead of the US east coast.
I apologize for the lack of information, but I have been trying to look into this for a few days, but things are sort of crazy in Europe right now.
Feel free to contact me again however, and I may be able to help out more.
Thanks for reading my piece and contributing to our knowledge base.
Thanks Jean
Explore, Experience & Engage.
Julian – Global Talon
Jean
We have a group at school studying Albania. We wondered how schools in Albania differ from those in the U.S.? Do you know if any video resources about the day in the life of an elementary or middle school student? Thank you!
Algernon Bhoomz
Hi Tom,
I am a retired teacher her in he USA. I receive Apx. $2,500 ,per month in social Security benefits. I am planning to marry a girl from Bajram Curri and move there, Can you give me any information about that City and the living conditions there ?.
I have never been to Albania and don’t know anything about the country except what my fiancé’ tells me. What is presently the Exchange rate to the US dollar?.
How safe are the Banks in Albania to transfer my savings ?. Are there any American Banks in Albania ?.
Your help is greatly appreciated.
Al.
Julian
@Algernon Bhoomz, Hello Al
Thanks for the comment, finding value in the article, and contributing to our knowledge base.
The exchange rate, like everywhere else, is terrible. Just a bit of advice, if you are planning on living long-term in any foreign country, then you do not want to exchange money on a monthly basis for the remainder of your life. I have been a digital nomad in Europe for a decade and haven’t paid for foreign transaction fees, ATM fees, or conversion rates in years.
There are no US banks in Albania. There is the American Bank of Investments (ABI), but it is not a US Bank, it is a bank owned by US investors and founded on US funds. It is also one of Albania’s biggest banks. There are Greek, Italian, and Austrian banks as well. The banks are safe, but unless you are planning to get residency, its best to just leave your money in your US bank and withdraw what you need from an ATM.
However, you won’t have access to ABI in Bajram Curri, or much else for that matter. The closest branch would be in Shkodër, which is about 4-hours west. Bajram Curri, is not a city, not even a town really, it is a small mountain village that has not changed much in decades. English won’t help you much, you will need to learn Albanian in that area, and it is also a bit of a different dialect than most areas of Albania. It is a very small village, only a few thousand people live there and they are all from a handful of clans.
Thanks again for the comment, and FYI, I also offer online relocation consultations if interested. Just email me at Globaltalon1@gmail.com for more info about that.
Explore, Experience, & Engage
Julian
Kath Davies
What a fantastic read.
We are a UK couple approaching retirement. Lived in Turkey for 6 years in our 20’s and have since travelled through Europe extensively but never made it to Albania. You’ve whetted our appetite.
Is there much in the way of sailing on the coast (husband is a qualified RYA Dinghy & Windsurf Instructor)?
Thanks
Julian
@Kath Davies, Hello Kath,
Thanks for the comment, finding value in the article, and contributing to our knowledge base.
Yes, the Adriatic provides some incredible sailing, primarily in the south, Sarandë and Vlore. One of the things that the Albanian gov’t does to make Albania attractive, specifically for super-yachts, is that they offer incredibly cheap fuel. This is the primary reason Bezos’ Flying Fox makes a stop every summer.
And, as you could imagine, water sports in general, like windsurfing, are big business for the resorts during the summer season.
Also, in Tirana, a sailing school / agency opened as well.
I would say that it is a bit of a secret and developing destination for sailing, as Greece, Croatia and Montenegro are years ahead, but Albania is in the mix.
Thanks again for the comment, and FYI, I also offer online relocation consultations if interested. Just email me at Globaltalon1@gmail.com for more info about that.
Explore, Experience, & Engage
Julian
Julian
Hello, I want to thank everyone who is reading and finding value in our articles and especially thank everyone who is contributing to our knowledge base and helping Expatra grow as an incredible resource that everyone can benefit from.
On 1 February 2022, in a rather unexpected move, Albania changed its entry law regarding US citizens. US citizens continue to enjoy visa-free entry, however now US citizens are restricted to a 90-day stay in a 6-month period. This new law mirrors that of the Schengen zone and Albania is hoping to begin accession talks this year,thus it logically appears to be a move to demonstrate conformity to EU policy. It’s unfortunate, but was inevitable, as Albania will most likely join the EU in the next several years.
For US Citizens who are currently in Albania and 90-days has past since entry, I have reached out to my professional network in Tirana to learn of what the best course of action is to take. I will post it here when I receive it. This is very much an issue in development and in-progress.
However, the option to leave as soon as possible is what many are currently doing, and they are reporting that they are being assured at the border they were not being charged with overstaying and could return in 90-days.
Of course, you should reach out on your own as well to either the immigration office or a private expert.
Thank you and we will update as possible
Lindsay White
Hi Julian,
Your posts on Albania are invaluable as I research European retirement destinations. I am a US citizen living in Budapest since 2020. I saw this 90-day entry law change for Americans, but then read that it was temporary and has changed backed to one year. Do you have an update? Thank you so much!
Julian
Hello Lindsay,
Thank you very much for reading and finding value in our articles and especially for contributing to our knowledge base and helping Expatra grow as an incredible resource that everyone can benefit from.
Yes, the Prime Minister changed the 90-day entry rule back to the 1-year stay in March 2022. It has gone into effect and is now the current law. So, things are exactly as before.
The article has been updated and 100% current and relevant for everyone and in regards to everything you need to know about Albania.
If you are considering a visit, the Adriatic Riviera is about to come to life with the 2022 summer season, and everyone is promising to make up for the lost summers due to COVID.
A couple of weeks ago, all COVID regulations were removed, and everything is back to normal here for the summer. Those some places still require masks as a safety measure. But everyone can enter with a vaccine certification or test.
BTW, Budapest is one of my favorite Eastern European cities. I have been there several times, just recently in February on my way to Croatia to write my 2 latest pieces you can find here on this site.
Thanks again for the comment Lindsay, and FYI, I also offer online relocation and expat consultations if interested. Just email me at Globaltalon1@gmail.com for more info about that.
Explore, Experience, & Engage
Julian
Marjorie Fish
Hello Tom,
Thank you for the valuable information you provided in your article about life in Albania. My partner and I are retired and moved to Albania in July 2020. We purchased an apartment in Vlorë in June 2021. We obtained our residence permits in Sept. 2021 and are now looking into the income tax situation. Our income sources are from IRAs and SS. Do you have some insight to share about working with an accountant to file our Albanian taxes? Also, you say pensions are exempt from taxes. Is that the full pension or a partial amount? And we have one other concern you may be able to shed light on. Our certificates of ownership for our apartment were not properly completed by the Cadastre. They are made out in our first and middle names only with no last names on either mine or my spouses certificates. We have been working with our notary to get the Cadastre to correct this for more than 6 months without success and are now about to turn it over to a lawyer. Do you have any thoughts on how best to deal with the Cadastre?
Thank you so much for giving my concerns your consideration.
Julian
Hello Marjorie,
Thank you for reading the article and contributing to our knowledge base.
In regard to your pension, the law simply states that they are exempt, thus, as it does not state anything about partial or a percentage, it should be interpreted as 100%. Keep in mind, that as you have residency, Albania taxes all global income.
Working with an accountant is generally straightforward. If there are any local businesses that you have a good relationship with, you could ask them which accountant they use. That would at least give you some direction since the business is still open and operating that their accountant has some credibility.
I have created and maintain a network of reliable and experienced professionals, primarily in Tirana, that deal with a multitude of issues.
You will want your accountant to be local to you. So, my best advice here would be to talk with a local business owner to get a recommendation.
Your property issues are a very different matter. Since the election, and you have probably seen this occurring, there has been a major move to tear down buildings that were illegally built, received approval illegally, or due to the earthquakes, are not considered safe.
The Cadaster is a newer agency, it’s only been around since March 2019. When you say certificates of ownership, I’m guessing you mean the Hipoteke. Part of the new law was that all property deeds were required to be formally declared online and undergo a preliminary registration to investigate and ensure all legalities. That should have caught your name issues, but obviously didn’t, which means something or someone failed in the process. There is a clause in the new law about altering the Hipoteke and factors such as timeliness, overlap, etc, which requires it to be denied.
Thus, dealing with the Cadaster is simply bureaucracy, and unfortunately you will need a lawyer to help with that. That’s really all I can tell you here. I hope that is helpful.
Thanks again for the comment, and FYI, my email is in my bio if you would like to reach out.
Best of luck Marjorie