My partner had a POSB from Indonesia - so POSB didnt charge. It only charged me5s$

Grab, Gojek, ComfortDelGro app, all work great.

For a month I spended aroun S$90 a day.

Happened to me too,but after 3 time it worked fine at DBS ATM.

If you need cash go to Maybank - didnt charge me any fees!

Albania’s still a cash-first country for cabs. I only saw one driver with a card reader and it wasn’t working. Even if you're using ride apps, assume ...

Used Amex once at a car rental desk in Tirana Airport. That’s it.

depends on your vibe. I spent 4,000 lek/day easy coz I like to eat out and do tours. But my friend survived on under 2,000.

Honestly, Albania’s ATM system can be fussy. Sometimes it’s not your card, it’s just the ATM network. Try different banks like OTP, Credins, or Tirana...