We compared 4 companies sending money from the United States to Albania. MoneyGram is the best and cheapest, while MoneyGram is the fastest.
Sending $7,000 with MoneyGram gets your recipient 556,145.1 ALL at 79.4493 ALL per USD.
| 4 of 4 providers Last updated on 26 September 2026 | |||
| Based on 7,000 USD transfer Best companies for USD/ALL transfers | |||
| Promoted  Wise Pay via Bank transfer | Fee $308.51 1 USD = 80.7181 ALL | Recipient gets ALL 540,124.36 Next week | |
Ways to receive money in Albania with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext weekAvailable via:SWIFT $308.511 USD = 80.7181 ALL ALL 540,124.36You pay$7,000.00 | |||
| Promoted  Xe Pay via Bank transfer | Fee $0.00 1 USD = 79.0943 ALL | Recipient gets ALL 553,660.10 Minutes - 24 hours | |
Ways to receive money in Albania with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 79.0943 ALL ALL 553,660.10You pay$7,000.00 | |||
Run a live search Showing top United States to Albania deals for 7,000 USD. Do a live search with your exact amount for today's best rates. | |||
Run a live search Showing companies that send from a business account. Run a business search to get live USD to ALL rates. | |||
Run a live search These companies offer multi-currency accounts for spending ALL. We suggest doing a live search based on how much USD you're planning to spend in Albania. | |||
Run a live search These are managed services with real human support for large USD transfers. Click the link and update the transfer amount to get the best deal. | |||
| $0 fee on first online transfers  MoneyGram Pay via Cash deposit | Fee $60.79 1 USD = 79.4493 ALL | Recipient gets ALL 556,145.10 Minutes - 24 hours | |
Ways to receive money in Albania with MoneyGram when paying by cash deposit. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours $60.791 USD = 79.4493 ALL ALL 556,145.10You pay$7,060.79 | |||
| $0 fee on first online transfers MoneyGram Pay via Debit card | Fee $0.99 1 USD = 79.4475 ALL | Recipient gets ALL 556,132.50 Minutes - 24 hours | |
Ways to receive money in Albania with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Mobile walletMinutes - 24 hoursAvailable via:eReja $0.991 USD = 79.4475 ALL ALL 556,132.50You pay$7,000.99 Cash pickupMinutes - 24 hours $75.991 USD = 78.6127 ALL ALL 550,288.90You pay$7,075.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Credit card | Fee $210.00 1 USD = 79.4475 ALL | Recipient gets ALL 556,132.50 Minutes - 24 hours | |
Ways to receive money in Albania with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Mobile walletMinutes - 24 hoursAvailable via:eReja $210.001 USD = 79.4475 ALL ALL 556,132.50You pay$7,210.00 Cash pickupMinutes - 24 hours $179.991 USD = 78.6127 ALL ALL 550,288.90You pay$7,179.99 | |||
| Xe Pay via Bank transfer | Fee $0.00 1 USD = 79.0943 ALL | Recipient gets ALL 553,660.10 Minutes - 24 hours | |
Ways to receive money in Albania with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 79.0943 ALL ALL 553,660.10You pay$7,000.00 | |||
| Xe Pay via Debit card | Fee $35.00 1 USD = 79.0943 ALL | Recipient gets ALL 550,891.80 Minutes - 24 hours | |
Ways to receive money in Albania with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours $35.001 USD = 79.0943 ALL ALL 550,891.80You pay$7,000.00 | |||
| $0 fee on first online transfers MoneyGram Pay via Bank transfer | Fee $277.00 1 USD = 78.6127 ALL | Recipient gets ALL 550,288.90 Minutes - 24 hours | |
Ways to receive money in Albania with MoneyGram when paying by bank transfer. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours $277.001 USD = 78.6127 ALL ALL 550,288.90You pay$7,277.00 Mobile walletMinutes - 24 hoursAvailable via:eReja $1.991 USD = 77.6900 ALL ALL 543,830.00You pay$7,001.99 | |||
| Wise Pay via Bank transfer | Fee $308.51 1 USD = 80.7181 ALL | Recipient gets ALL 540,124.36 Next week | |
Ways to receive money in Albania with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext weekAvailable via:SWIFT $308.511 USD = 80.7181 ALL ALL 540,124.36You pay$7,000.00 | |||
| Xe Pay via Credit card | Fee $210.00 1 USD = 79.0943 ALL | Recipient gets ALL 537,050.30 Minutes - 24 hours | |
Ways to receive money in Albania with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours $210.001 USD = 79.0943 ALL ALL 537,050.30You pay$7,000.00 | |||
| Exclusive: First Transfer Deal  Regency FX Pay via Bank transfer | Fee $0.00 1 USD = 0.0000 ALL +0.27% vs mid-market | Recipient gets ALL 0.00 Minutes - 24 hours | |
Ways to receive money in Albania with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 0.0000 ALL ALL 0.00You pay$7,000.00 | |||
Transfer details
If you're sending a one-off transfer, then MoneyGram is the best option.
For recurring transfers, I'd suggest using an app or a multi-currency account with MoneyGram.
For large transfers using a broker like Xe is the best option.
If your recipient needs cash, MoneyGram is the cheapest.
How much you send will affect the best option for you right now.
You have 4 ways to pay for your transfer to Albania, including bank transfer, debit card, credit card, and cash deposit.
Usually, using bank transfer to fund your transfer is the cheapest but slowest option (ACH and takes a day or two).
You can use a debit card, Apple Pay and Google Pay for quicker deposit but its a bit more expensive.
I suggest avoiding credit cards since these are most expensive and have cash advance fees (Amex is very rarely accepted in general).
First time round you'll need to confirm who you are.
An SSN isn't required, an ITIN or a foreign passport works with most companies here.
There are 4 companies available for sending money from the US to Albania, across online, app, broker, in person, multi-currency account, and global account, and more.
For regular transfers home
If you send a few hundred dollars home every payday, an app is usually the cheapest way and the least work.
MoneyGram charges $60.79 on a $7,000 transfer with % markup, saves your recipient's details for next time, and ALL arrives in minutes - 24 hours.
Funding from a US bank account or debit card avoids the 1% federal tax that applies to cash-funded transfers.
Sending without a US bank account
Paying in cash at an agent can work without a US bank account.
The ID accepted depends on the company and the amount, so check before visiting if you do not have an SSN.
Hand $7,000 to a MoneyGram agent in the US, and your recipient will get 556,145.1 ALL in minutes - 24 hours.
However, transfers funded with cash or a money order carry a 1% federal tax from January 2021. To avoid it, fund with a debit card or bank account instead (most agents take both).
For one-off transfers
For a one-off transfer, an online service funded from your checking account is usually the cheapest way to send money to Albania.
Of all online companies listed here, MoneyGram gets you the most ALL per USD.
On a $7,000 transfer, you will get 556,145.1 ALL after a $60.79 fee and % markup.
But, bank funding (ACH) takes 1 to 3 business days to clear, while debit cards (and Google Pay/Apple Pay) are usually instant but cost a bit more.
For transfers over $10,000
For large transfers to Albania (e.g. a property purchase, tuition, or moving to Albania), a broker like Xe charges no fee, gives you a dedicated account manager, and adds % markup on USD/ALL that gets lower the more you send.
It's also good to check Wise since you get a bulk discount on transfers over $25,000.
Business payments from the US
Global accounts are for US businesses paying people abroad.
Companies like Airwallex, WorldFirst, or Payoneer handle the recurring and batch payments, invoicing, tracking, and more.
Holding & spending currencies
A multi-currency account like Wise is the best for holding and receiving ALL.
This is useful for traveling to Albania, building up ALL balance, or receiving payments in ALL.
Wise converts $7,000 at % markup plus small fee and holds the ALL until you spend it.
With MoneyGram, paying by cash deposit and receiving through cash pickup is the cheapest combination. Sending $7,000 gives your recipient 556,145.1 ALL.
Deposit USD by bank transfer, debit card, credit card, and cash deposit.
The simplest way is to pay from your US checking account
Pay by bank transfer using your routing and account numbers.
An ACH payment is usually cheaper than a card, but the it may take some time for it to clear before a money transfer company can send the money to Albania.
You can deposit cash
You'll need to visit nearest MoneyGram branch and had over $7,000.
MoneyGram is the cheapest option and will get you 556,145.1 ALL on $7,000 transfer after fees.
Transfers funded with physical cash are subject to the 1% US remittance transfer tax, but funding from a US bank account or with a US-issued debit or credit card is exempt.
Zelle, Venmo and Cash App only support domestic transfers, so they cannot send money to Albania.
Your recipient in Albania can collect ALL through bank deposit, mobile wallet, and cash pickup.
They can collect cash in Albania
Your recipient can collect ALL from a participating MoneyGram location in Albania.
They should take a valid photo ID and the collection reference, and check that the name on the transfer matches their ID.
You pay $7,060.79
L556,145
Cheapest
You pay $7,000.99
L556,133
-L13
You pay $7,210.00
L556,133
-L13
You pay $7,000.00
L553,660
-L2,485
You pay $7,000.00
L550,892
-L5,253
You pay $7,075.99
L550,289
-L5,856
You pay $7,179.99
L550,289
-L5,856
You pay $7,277.00
L550,289
-L5,856
You pay $7,001.99
L543,830
-L12,315
You pay $7,000.00
L537,050
-L19,095
The way you fund the transfer now affects the tax, while US law gives you specific rights if something goes wrong.
Cheapest way to send money to Albania
The cheapest option is MoneyGram, funded by cash deposit with cash pickup for the payout. Your recipient gets 556,145.1 ALL, which is 0.45% more than the next best option.
Fastest way to send money to Albania
The fastest option is MoneyGram. Pay by cash deposit and choose cash pickup for the payout. Your recipient gets 556,145.1 ALL, with the money arriving in minutes - 24 hours.
Since January 1, 2026, a 1% federal tax applies when an international transfer is funded with cash, a money order, a cashier's check or a traveler's check.
Funding from a US bank account, including ACH, or with a US-issued debit or credit card is exempt.
The rule applies to how you pay in, so your recipient can still collect cash without triggering the tax.
There is no federal cap on how much of your own money you can send electronically abroad.
Your bank or transfer company can set its own limit and ask for proof of where a large or unusual payment came from.
Cash reports and the declaration for physically carrying more than $10,000 across the US border are separate rules.
Do not split cash transactions to avoid a report.
The US Remittance Transfer Rule requires a covered company to show the exchange rate, fees and expected amount received before you pay.
You can normally cancel within 30 minutes at no charge, provided the money has not been deposited or collected.
You also have error-resolution rights if the wrong amount arrives or the transfer never turns up.
Contact the company first and keep the receipt.
For transfers over $10,000, Wise is the best option.
It offers the best exchange rate, which is more important than the fee for large transfers to Albania.
While Wise may not always be the cheapest or fastest way to send ALL, they offer years of experience, and will offer you the peace of mind you need when sending large amounts abroad.
The rate changes how much ALL your recipient gets for your USD. Recent movement gives you a useful benchmark before you send.
Mid-market rate:1 USD = 80.660025 ALL
We track, save, and analyze the cost, speed, and product offerings of the leading money transfer services available between Albania and United States.
We work with leading money transfer companies to provide real time fees and exchange rates.
We also conduct detailed company reviews, combined with in-depth analysis, we can offer the best deals on the market - every time you want to transfer money from United States to Albania.
For a deeper understanding of our commitment to integrity and transparency, check out these articles:
Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.
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