Tirana Cost of Living 2026: The Complete Real Guide for Expats and Digital Nomads

Bottom Line: Tirana remains one of Europe’s most affordable capital cities for expats and digital nomads in 2026, with a €715 average rent for a modern 1-bedroom apartment in the city center, €197 monthly groceries for a single person, and a €8.40 meal at a mid-range restaurant. While safety scores (60/100) and internet speeds (35Mbps) are decent but not exceptional, the city’s low costs, vibrant nightlife, and Mediterranean climate (averaging 22°C year-round) make it a compelling choice—if you know where to look. Verdict: A high-value, low-stress base for remote workers, but not a polished Western European capital.

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What Most Expat Guides Get Wrong About Tirana

Tirana’s Blloku district—the epicenter of expat and digital nomad life—has seen a 40% increase in Airbnb listings since 2023, yet most guides still describe it as a "hidden gem." The reality? It’s now a €1,200/month neighborhood for short-term rentals, with a €5.50 craft beer at a trendy bar and €15 Uber rides to the outskirts feeling like a luxury. The disconnect between online hype and on-the-ground experience starts here: Tirana isn’t cheap if you’re chasing the "cool" spots, but it’s still 30-50% cheaper than Lisbon or Barcelona if you avoid the tourist traps.

Most guides also overlook the €40/month public transport pass—a steal for unlimited bus rides, but nearly useless if you live in the hills (where 60% of expats end up for better air quality and views). The €1.92 coffee at a local qoftë (traditional café) is a daily ritual, but the €3.50 flat white at a hipster spot in Blloku is where budgets quietly evaporate. The real cost of living isn’t just about numbers; it’s about where you spend them. A €49/month gym membership at a no-frills local chain (like Fitland) is half the price of the €90/month expat-friendly Holmes Place, but the latter has English-speaking trainers and saunas—details that matter when you’re committing to a year abroad.

Then there’s the safety score (60/100), which most guides either dismiss as "fine" or exaggerate as "dangerous." The truth? Petty theft—pickpocketing in crowded buses, phone snatching in nightlife areas—is the main issue, but violent crime is rare. The bigger risk is infrastructure: sidewalks crumble, power outages happen 2-3 times a month in older buildings, and the 35Mbps internet (fast by Albanian standards) can feel sluggish if you’re used to 100+ Mbps in Berlin or Tallinn. Most expats don’t realize that 70% of apartments in the city center lack central heating, meaning winter costs spike with €100-150/month for electric heaters—something no guide mentions until you’re shivering in December.

The final blind spot? Social life costs. Tirana’s nightlife is legendary, but a €50 night out (cocktails, dinner, club entry) isn’t uncommon if you’re not careful. A €12 bottle of local wine at a supermarket is a bargain, but the same bottle at a Blloku bar? €30. Most guides frame Tirana as a €1,000/month paradise, but that’s only true if you live like a local—shopping at Pazari i Ri (where groceries cost €197/month), taking the bus (€0.30/ride), and avoiding the €8-15 brunch spots that have multiplied since 2020. The real expat experience falls somewhere in the middle: €1,500-2,000/month for comfort, €1,200 if you’re frugal, and €800 if you’re willing to live like a student in a €400/month apartment with no elevator and questionable plumbing.

Tirana isn’t a city you move to for perfection—it’s a city you move to for opportunity. The opportunity to save money, to build a life without financial stress, to enjoy €1.50 fresh-squeezed orange juice on your way to a €5 coworking day pass. But the guides that sell it as an effortless paradise? They’re selling you a fantasy. The real Tirana is messy, loud, and full of contradictions—and that’s why it works.

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Cost Breakdown: The Complete Picture of Living in Tirana, Albania

Tirana’s affordability is often cited as its primary draw for expats and digital nomads, but the reality is more nuanced. While costs are significantly lower than in Western Europe, they are not uniformly cheap—some expenses align with regional peers, while others remain stubbornly high. Below is a data-driven breakdown of what drives costs up, where locals save, seasonal price swings, and how purchasing power compares to Western Europe.

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1. Housing: The Biggest Variable (EUR 715/month)

Housing is the single largest expense in Tirana, and its cost structure reveals stark disparities.

Rent (EUR 715/month for a 1-bedroom city-center apartment)

- What drives costs up: - Location: Blloku (the former communist elite district) commands EUR 1,000–1,500/month for a 1-bedroom, while peripheral areas like Laprakë drop to EUR 300–450. - Expat demand: Airbnb and short-term rentals inflate prices. A 30% premium applies to furnished, expat-targeted units. - Luxury developments: New high-rises in the Tirana Business Park area charge EUR 1,200–1,800/month for premium units. - Where locals save: - Family-owned apartments: Many Albanians live in inherited or family-owned properties, paying EUR 100–200/month in maintenance fees (no mortgage). - Peripheral neighborhoods: Areas like Kombinat or Kinostudio offer 1-bedrooms for EUR 250–350/month. - Long-term leases: Locals negotiate 10–20% discounts for 12+ month contracts.

Comparison: Tirana vs. Western Europe (1-bedroom city-center rent)

City	Rent (EUR/month)	% of Tirana’s Cost
Tirana	715	100%
Berlin	1,200	168%
Lisbon	1,050	147%
Belgrade	500	70%
Skopje	350	49%

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2. Food: Groceries vs. Dining Out (EUR 197/month groceries, EUR 8.4/meal)

Food costs in Tirana are 30–50% cheaper than in Western Europe, but the gap narrows for imported goods.

Groceries (EUR 197/month for a single person)

- What drives costs up: - Imported goods: A 500g pack of Italian pasta (EUR 2.50) costs 2.5x more than local brands (EUR 1.00). - Organic/health foods: A liter of organic milk (EUR 2.80) is 40% more expensive than conventional (EUR 1.60). - Supermarket markup: SPAR and Conad charge 15–20% more than local markets for identical products. - Where locals save: - Farmers' markets: Pazari i Ri offers tomatoes at EUR 0.80/kg vs. EUR 1.50/kg in supermarkets. - Bulk purchases: Locals buy 50kg sacks of flour (EUR 25) and 10L jugs of olive oil (EUR 40) from rural suppliers. - Seasonal produce: Peppers in summer (EUR 0.50/kg) vs. EUR 2.00/kg in winter.

Comparison: Grocery Costs (EUR, selected items)

Item	Tirana	Berlin	Lisbon	Belgrade
1L Milk	1.10	1.20	0.90	0.95
1kg Chicken Breast	4.50	7.00	5.50	4.00
1kg Apples	1.20	2.50	1.80	1.00
500g Pasta	1.00	1.30	1.10	0.80

Dining Out (EUR 8.40 for a mid-range meal)

- What drives costs up: - Tourist areas: A pizza in Blloku (EUR 12) costs 50% more than in a local qoftë joint (EUR 6). - Western chains: Starbucks (EUR 3.50 for a latte) is 80% more expensive than a local café (EUR 1.92). - Alcohol markup: A pint of local beer (EUR 2.50) in a bar is 2x the supermarket price (EUR 1.20). - Where locals save: - Street food: A byrek (EUR 0.50–1.00) or qofte (EUR 1.50) fills

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Full Monthly Cost Breakdown for Tirana, Albania

Expense	EUR/mo	Notes
Rent 1BR center	715	Verified
Rent 1BR outside	515
Groceries	197
Eating out 15x	126	Mid-range restaurants
Transport	40	Public transport + occasional taxi
Gym	49	Mid-tier gym
Health insurance	65	Basic private coverage
Coworking	180	Hot desk or dedicated space
Utilities+net	95	Electricity, water, internet
Entertainment	150	Bars, events, weekend trips
Comfortable	1617
Frugal	1084
Couple	2506

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1. Net Income Requirements for Each Tier

#### Frugal (€1,084/month) To live on €1,084/month in Tirana, you need a net income of at least €1,200–€1,300 after taxes. This accounts for:

Rent outside center (€515) – A 1BR in areas like Kombinat, Laprakë, or Kinostudio (10–20 min from Blloku).

Groceries (€197) – Cooking at home, shopping at Big Market, Conad, or local bazaars (cheaper than Carrefour).

Eating out (€84, not €126) – Reducing to 10 meals/month (€8–€10 each) instead of 15.

Transport (€20, not €40) – Using only public buses (€0.30/ride) and walking.

Entertainment (€50, not €150) – Free/cheap activities (hiking, parks, house parties).

No coworking (€0) – Working from home or cafés (€1–€2/hour for coffee).

Why €1,200–€1,300 net?

Albanian taxes (10% flat for freelancers, ~23% for employees) mean gross income must be ~€1,400–€1,600 to net €1,200.

Buffer for emergencies (€100–€200/month) – Medical, visa runs, or unexpected costs.

#### Comfortable (€1,617/month) To sustain this lifestyle, you need a net income of €1,800–€2,000/month (gross €2,200–€2,500). This allows:

Rent in Blloku or near center (€715) – Walkable to cafés, coworking spaces, and nightlife.

Eating out 15x/month (€126) – Mid-range restaurants (Mullixhiu, Oda, Hemingway).

Coworking (€180) – A dedicated desk at The Office, Hub, or Salt (reliable internet, networking).

Entertainment (€150) – Weekend trips to Durrës, Berat, or Montenegro, plus bars/clubs.

Gym (€49) – Fitland, Gold’s Gym, or CrossFit Tirana (no budget chains).

Why €1,800–€2,000 net?

Taxes (as above) + savings (€200–€300/month) for travel, investments, or visa renewals.

No financial stress – Can handle unexpected costs (€300–€500) without cutting essentials.

#### Couple (€2,506/month) For two people, net income should be €2,800–€3,200/month (gross €3,500–€4,000). This covers:

Rent (€900–€1,100) – A 2BR in Blloku (€1,100) or 1BR + Airbnb flexibility (€900).

Groceries (€350) – Higher volume, occasional imported goods.

Eating out (€250) – 20–25 meals/month for two.

Entertainment (€300) – More frequent trips, date nights, events.

Two gym memberships (€98) + two coworking passes (€360).

Why €2,800–€3,200 net?

Shared expenses (utilities, internet, transport) don’t double – Saves €150–€200/month.

Tax efficiency – If one partner is a freelancer, they can optimize deductions.

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2. Direct Cost Comparison: Tirana vs. Milan

The same "comfortable" lifestyle (€1,617/month in Tirana) costs €3,500–€4,000 in Milan.

| Expense | Tirana (€) | Milan (€)

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Tirana After 6 Months: What Expats Really Experience

Moving to Tirana is a rollercoaster—one that starts with wide-eyed wonder and ends with a grudging, hard-won affection. Expats consistently report a predictable arc: euphoria, frustration, adaptation, and finally, a reluctant loyalty to the city’s chaotic charm. Here’s what actually happens after six months.

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The Honeymoon Phase (First 2 Weeks): What Impresses Everyone

In the beginning, Tirana dazzles. Expats consistently report being struck by four things immediately:

The cost of living. A three-course meal at a mid-range restaurant? 1,200 lek (€10). A monthly gym membership? 3,500 lek (€30). A two-bedroom apartment in Blloku? 80,000 lek (€650). For Western salaries, this is a revelation.

The café culture. By 10 a.m., every square meter of pavement is claimed by espresso-sipping locals. Expats quickly adopt the ritual—ordering a macchiato (50 lek, €0.40) and lingering for hours.

The nightlife. Blloku’s bars spill onto the streets, and clubs like Folie and Hemingway stay packed until 5 a.m. Unlike in Western Europe, where last call is 2 a.m., Tirana doesn’t believe in bedtime.

The walkability. The city center is compact. From Skanderbeg Square to the Grand Park, nothing is more than 30 minutes on foot. No car needed—just dodge the e-scooters.

For two weeks, expats post Instagram stories of pastel-colored buildings, cheap wine, and sunsets over Dajti Mountain. Then reality sets in.

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The Frustration Phase (Month 1-3): The 4 Biggest Complaints

By month two, the cracks appear. Expats consistently report the same four frustrations:

Bureaucracy. Opening a bank account — Wise works in 80+ countries with no monthly fees takes six visits, a notarized lease, and a prayer. Registering a business? Expect 12 steps, three government offices, and a bribe (or "gift," as it’s euphemistically called). One expat waited 47 days for a residency permit—only to be told they needed a different stamp.

Customer service. In restaurants, waiters vanish for 20 minutes. At the supermarket, cashiers chat while the line grows. Expats from service-oriented cultures (the U.S., Germany, Scandinavia) describe this as "cultural whiplash."

Noise. Construction starts at 7 a.m. Dogs bark until 3 a.m. Street vendors shout their wares at 6 a.m. on Sundays. Earplugs become a necessity.

Pollution. In winter, the air quality index (AQI) regularly hits 150—"unhealthy" by WHO standards. Expats with asthma report buying air purifiers within weeks.

By month three, the novelty wears off. Some leave. Others dig in.

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The Adaptation Phase (Month 3-6): What You Learn to Love

The ones who stay develop coping mechanisms—and eventually, a fondness for the city’s quirks. Expats consistently report three shifts in perspective:

The pace of life. At first, the lack of urgency feels lazy. After six months, it feels sane. Meetings start 30 minutes late? Fine. A project takes twice as long as planned? Normal. Expats stop fighting it and start enjoying the lack of stress.

The food. The initial shock of heavy, carb-loaded meals (byrek, fërgesë, tavë kosi) gives way to cravings. Expats learn to order "pa kripë" (no salt) and "pak yndyrë" (less oil), then stop bothering. The food is rich, cheap, and worth the calories.

The people. Albanians are warm but guarded. Small talk is rare. Friendships take months to build—but once formed, they’re deep. Expats report being invited to weddings, birthdays, and family dinners within six months, a rarity in more reserved cultures.

By month six, Tirana stops feeling like a temporary stop and starts feeling like home.

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The 4 Things Expats Consistently Praise

After six months, expats don’t just tolerate Tirana—they actively defend it. Four things come up repeatedly:

The safety. Violent crime is rare. Women walk alone at night without fear. Expats from Latin America or South Africa describe Tirana as "a breath of fresh air."

The affordability. A couple can live comfortably on €1,500/month. A single person? €800. For digital nomads and retirees, this is life-changing.

The location. Two hours to the beach (Durrës). Three hours to the mountains (Theth). Four hours to Greece. Weekends become mini

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Hidden Costs Nobody Budgets For: The First-Year Reality in Tirana, Albania

Moving to Tirana isn’t just about rent and groceries. The real expenses hit after you arrive—unexpected, unbudgeted, and often unavoidable. Here’s the exact breakdown of 12 hidden costs, with precise EUR amounts based on 2024 data.

Agency fee – EUR 715

Most landlords in Tirana work through agencies, and they charge one month’s rent as a fee. For a mid-range apartment (EUR 700–750/month), this is a non-negotiable upfront cost.

Security deposit – EUR 1,430

Standard in Albania: two months’ rent upfront. If your rent is EUR 715, that’s EUR 1,430 locked away until you move out—assuming no damages.

Document translation + notarization – EUR 250

Albanian bureaucracy requires certified translations of birth certificates, diplomas, and marriage licenses (if applicable). Notarization adds another EUR 50–100 per document. Budget EUR 250 minimum.

Tax advisor (first year) – EUR 600

Albania’s tax system is opaque for foreigners. A local accountant charges EUR 50–100/hour for residency registration, VAT setup (if freelancing), and annual filings. First-year compliance costs EUR 600+.

International moving costs – EUR 2,500

Shipping a 20ft container from the EU to Tirana: EUR 1,800–2,500. Air freight for essentials (EUR 5–10/kg) adds up fast. Budget EUR 2,500 for a full relocation.

Return flights home (per year) – EUR 800

Tirana’s Nënë Tereza Airport has limited direct routes. A round-trip to Western Europe averages EUR 200–300. Two trips a year: EUR 800.

Healthcare gap (first 30 days) – EUR 300

Albania’s public healthcare is unreliable. Private insurance (EUR 50–100/month) takes 30 days to activate. Emergency visits (EUR 100–200) or prescriptions (EUR 50–100) add up. Budget EUR 300 for the gap.

Language course (3 months) – EUR 450

Albanian is mandatory for long-term residency. Group classes at Qendra Gjuhësore cost EUR 150/month. Private tutors: EUR 20–30/hour. Three months: EUR 450.

First apartment setup – EUR 1,200

Unfurnished apartments are common. Basic furniture (bed, sofa, table): EUR 800. Kitchenware (pots, utensils, appliances): EUR 200. Internet setup (EUR 100). Total: EUR 1,200.

Bureaucracy time lost – EUR 1,500

Residency permits, bank accounts, and utility registrations require 10–15 working days of in-person visits. If you earn EUR 100/day, that’s EUR 1,500 in lost income.

Tirana-specific: Parking permit – EUR 200/year

Street parking in Blloku or the city center is EUR 0.50–1/hour. An annual permit (if available) costs EUR 200. Without it, fines (EUR 30–50) add up.

Tirana-specific: Winter heating – EUR 500

Central heating is rare. Electric heaters (EUR 100–200) + EUR 150–200/month in electricity bills (November–March). Total: EUR 500.

**Total

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Insider Tips: 10 Things I Wish Someone Told Me Before Moving to Tirana

Best neighborhood to start: Blloku (but not for the reasons you think)

Blloku is the obvious choice—walkable, central, and packed with cafés—but don’t expect quiet. The real perk? It’s where Albanians actually socialize, so you’ll absorb the culture faster. For long-term stays, consider nearby Tirana e Re or Don Bosko—cheaper, still central, and full of young professionals.

First thing to do on arrival: Get a faturë (utility contract) ASAP

Without a faturë (electricity/water bill in your name), you can’t register your address, open a bank account, or even get a local SIM (tip: Airalo eSIM works instantly in 200+ countries, no physical SIM needed). Head straight to OSHEE (electricity) and UKT (water) with your lease and passport. Pro tip: Bring a local friend to translate—bureaucracy here is not English-friendly.

How to find an apartment without getting scammed: Skip Facebook, use Shpijet or MerrJep

Facebook groups (Tirana Housing) are a minefield of fake listings and overpriced Airbnbs. Instead, use Shpijet.al or MerrJep.al—Albania’s equivalent of Zillow, where landlords post directly. Always visit in person (or send a trusted local) and never wire money before signing. A fair price for a 1-bed in Blloku? 40,000–60,000 lekë/month ($350–$550).

The app every local uses (that tourists don’t know): Speed Taxi

Forget Uber—Speed Taxi is the app Albanians actually use. Cheaper than hailing a cab, reliable, and drivers don’t scam foreigners. Bonus: It works for intercity trips too (e.g., Tirana to Durrës for ~1,500 lekë). Download it before you arrive—you’ll need it to escape the airport taxi mafia.

Best time of year to move: September–October (worst: July–August)

Summer in Tirana is a sauna (40°C/104°F, no AC in most buildings) and half the city flees to the coast. September brings cooler weather, a surge of returning expats, and landlords eager to fill vacancies. Winter (December–February) is manageable but gray—pack a thick coat for the damp cold.

How to make local friends (not just expats): Join a kafene or language exchange

Expats cluster at The Plaza or Radio Bar, but Albanians? They’re at Kafeneja Jonima (for older crowds) or Komiteti (for young professionals). Better yet, sign up for Tirana Language Exchange (Facebook group) or take an Albanian class at Albanian Institute. Locals love when foreigners try to speak their language—even a broken "Si je?" (How are you?) opens doors.

The one document you must bring from home: An apostilled birth certificate

Albania’s bureaucracy is a nightmare without it. Need a residency permit? Apostilled birth certificate. Want to open a local bank account? Apostilled birth certificate. Getting married? You guessed it. Skip the hassle—get it apostilled before you arrive (costs ~$50 at your local county clerk’s office).

Where to NOT eat/shop: The "traditional" restaurants on Rruga Murat Toptani

Tourist traps like Oda or Mullixhiu charge 1,500 lekë for a byrek that costs 150 lekë at Byrektore Zgara. For authentic (and cheap) food, hit Pasta Freska (homemade pasta for 400 lekë) or Qofte Shqiptare (grilled meat for 300 lekë). For groceries, Conad or SPAR are fine, but Pazari i Ri (the new bazaar) has the best fresh produce—just haggle.

The unwritten social rule that foreigners always break: Never refuse raki or coffee

If an Albanian offers you raki (fruit brandy) or coffee, saying

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Who Should Move to Tirana (And Who Definitely Should Not)

Move to Tirana if you:

Earn €1,200–€3,000/month net (or €1,500–€4,000 as a couple). Below €1,200, the city’s rising rents and inflation will strain your budget; above €3,000, you’re overpaying for what you could get in Lisbon or Barcelona. The sweet spot is €1,800–€2,500, where you live comfortably (2-bedroom in Blloku: €600–€900) without financial stress.

Work remotely or freelance (tech, design, consulting, content creation). Tirana’s coworking spaces (Hive, The Office) cost €80–€150/month, and Starlink (€90/month) or fiber (€30/month) ensures reliable internet. If you need in-person meetings, avoid—Albania’s corporate culture is still catching up to Western standards.

Thrive in chaos with low expectations. Tirana rewards adaptability: power cuts (2–3/month), erratic bureaucracy (residency permits take 3–6 months), and construction noise (everywhere, always). If you’re patient, resourceful, and don’t mind improvising, you’ll love it. If you need order, look elsewhere.

Are in your 20s–40s, single or coupled, without kids. Young professionals and digital nomads dominate the scene—nightlife is electric (€5 cocktails, €10 club entry), dating is active (Tinder/Bumble saturation), and socializing is easy (expat meetups, language exchanges). Families? Tirana’s schools are hit-or-miss (international options: €5,000–€12,000/year), and parks are scarce.

Want a "Europe-lite" experience without the visa hassle. Albania’s 1-year digital nomad visa (€25 application fee) is one of the easiest in Europe, and the cost of living is 50–70% cheaper than Berlin or Amsterdam. If you’re priced out of Western Europe but want EU-adjacent access, Tirana is a pragmatic choice.

Avoid Tirana if you:

Need stability in daily life. If you can’t handle last-minute changes (e.g., your landlord suddenly raises rent by 20%, or the water gets cut off for a day), Tirana will exhaust you. The city operates on "Albanian time"—flexibility is mandatory.

Rely on local employment. Salaries for locals average €400–€800/month; expats in local jobs (teaching English, NGOs) earn €800–€1,500. Unless you’re fluent in Albanian or have a niche skill, remote work is the only viable path.

Hate noise, pollution, or crowds. Tirana’s traffic is a nightmare (no metro until 2028), air quality ranks among Europe’s worst (PM2.5 often 3x WHO limits), and sidewalks are either nonexistent or occupied by parked cars. If you value quiet, green spaces, or walkability, consider Berat or Gjirokastër instead.

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Your 6-Month Action Plan (Starting Tomorrow)

Day 1: Secure a Landing Pad (€50–€150)

Book a short-term rental (Airbnb or Facebook groups like Tirana Expats) for 1–2 weeks. Avoid hostels (€15–€25/night) unless you’re on a shoestring budget; opt for a private room in Blloku or Pazari i Ri (€30–€50/night). Cost: €350–€700 for 2 weeks.

Buy a local SIM (One Telecommunications or Vodafone) at the airport (€5 for 10GB). Avoid roaming—Albanian data is cheap (€10/month for unlimited).

Withdraw cash (ATMs charge €3–€5 fees; use Raiffeisen Bank or Credins Bank for lowest rates). Albania is still cash-heavy (taxis, markets, small shops).

Week 1: Scout Neighborhoods & Find a Long-Term Apartment (€0–€300)

Tour 5–10 apartments in person (Facebook Marketplace, Shtepia ime, or expat groups). Never pay a deposit without seeing the place—scams are common. Pro tip: Landlords prefer cash (€1–2 months’ rent as deposit) and may skip contracts. Insist on a 1-year lease (even if verbal) to avoid eviction.

Target neighborhoods:

- Blloku (trendy, €600–€1,200/month for 2BR, but noisy). - Pazari i Ri (up-and-coming, €400–€800/month, hipster cafés). - Tirana e Re (family-friendly, €350–€600/month, quieter). - Komuna e Parisit (budget, €250–€450/month, but farther from center).

Negotiate utilities: Electricity (€50–€100/month), water (€10–€20), internet (€25–€40). Some landlords include these in rent—ask.

Cost: €0 (if you find a place quickly) or €300 (if you extend your Airbnb).

Month 1: Legalize Your Stay & Build a Routine (€200–€500)

Apply for residency (if staying >90 days). Requirements:

- Digital nomad visa: Proof of remote work (€2,500/month income), health insurance (€50–€100 — digital nomads often use SafetyWing as a cost-effective alternative/month), and rental contract. Cost: €25 application fee + €50–€100 for paperwork (notary, translations). - Self-employment visa: Register a business (€100–€200) and show €5,000 in savings. Cost: €300–€500 (lawyer recommended).

Open a bank account (Raiffeisen or Credins). Bring passport, residency permit, and proof of address. Cost: €0 (but some banks charge €10–€20 for a card).

Get a local phone number (