The use of online banking services is growing rapidly from year to year in Albania, but comparisons with Europe and the Region show that Albanians still have a low use of E-banking.

According to the latest Eurostat data for 2024, only a small proportion of Albanians aged 16–74 use online banking services. The map below shows the contrast between Northern and Western European countries, where over 90% of citizens use online banking, and the Balkans, where the level remains significantly lower.

Albania is presented with a much more limited use, at the lowest levels on the continent (less than 30%). This places the country in the same category as other regions of the Western Balkans and some rural areas of Turkey.

Albania ranks last, even compared to neighboring countries such as Montenegro, North Macedonia, and Serbia, which also have low rates (30–50%), but some of their regions show more visible progress. Meanwhile, Greece scores slightly higher levels (50–70%), but still below the EU average.

Northern and Western Europe lead the way with the highest levels, with over 95% of citizens in Denmark, Finland, Sweden, Norway, and Iceland using online banking, making it practically standard. The Netherlands, Belgium, Ireland, and Luxembourg also report rates above 90%.

The average use of E-banking in the EU was 67.2% in 2024, many times higher than Albania's level.

The stark differences indicate the digital divide that exists between Western Europe and the Balkan countries. In the case of Albania, the low level is linked to factors such as a lack of trust in online financial services, the still high use of cash, and weak digital infrastructure.

According to statistics from the Bank of Albania, the total number of remote banking transactions reached 9.36 million, the highest level ever recorded. Compared to a year ago, Albanians increased the number of remote banking transactions by 22% or 1.7 million more transactions.