# BKT Smart > Secure mobile banking for retail customers, offering account management and transactions. (iPhone/iPad app by BANKA KOMBETARE TREGTARE SH.A..) - Source: https://appshunter.io/ios/app/bkt-smart/id1072668841 (this page in markdown: same URL + `.md`) - Developer: [BANKA KOMBETARE TREGTARE SH.A.](https://appshunter.io/developer/1061947931) - Category: Finance, Business - Price: Free - Rating: 3.14/5 from 28 App Store ratings · 18 written reviews indexed - Age rating: 4+ - Requires: iOS 15.0 · 190 MB - Languages: Albanian, English - Released: 2016-02-05 - Data updated: 2026-08-01 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/bkt-smart/id1072668841/reviews.md ## What is BKT Smart? BKT Smart provides fast and secure banking services for retail customers anywhere, anytime on your Smartphone, needless to go to BKT branches and have a computer. BKT Smart access is possible through an internet connection, offered by any mobile operator or Wi-Fi. To enter to BKT Smart you just need to have your Customer ID, click to register button and follow the registration steps. By using the same password you can access to BKT Smart and Internet Branch. By checking Remember Me you do not need to enter any time your Customer ID. BKT Smart provides the search for the location of ATMs or the nearest BKT branch, the Exchange Calculator and the Exchange Rate without having to login to the system. Services are provided in two languages, Albanian and English. By using BKT Smart, you can be informed and make payments about your accounts, credit cards or your utility bills. You can use electronic top up service for the needed Mobile Operator even direct by your phone contacts. You can transfer money between your accounts, toward BKT accounts, or toward accounts in other banks operating in Albania. You can open new current accounts or saving account and you can perform exchange. You can open a new deposit or can liquidate an existing one. ## Key features - Secure banking services - Account and credit card management - Utility bill payments - Mobile top-ups - Money transfers - ATM and branch locator - Exchange calculator ## Recent user reviews (10 of 18) All indexed reviews: https://appshunter.io/ios/app/bkt-smart/id1072668841/reviews.md ### 3/5 — BKT app ks functional, but missing key features *2025-11-16, version 4.5.3* While Raiffeisen and Credins in Albania have already introduced Apple Pay, BKT still hasn’t caught up. It would be great to see BKT focus more on improving the overall user experience. For example, the app still struggles with basic features like autocompletion when paying utility bills or phone receipts. Additionally, it’s not possible to select a default source account when making transfers, the app always chooses one automatically, which can be frustrating for users who have multiple accounts (e.g., savings in ALL, EUR 1, EUR 2, etc.). There are also several modern banking features missing, such as virtual cards, automatic savings options, savings “pots” similar to Monzo, and spending categorization like what Wise and other leading banking apps already offer. These improvements would make the app far more user-friendly and competitive. ### 5/5 — Është shum i lejte *2025-10-07, version 4.5.2* Super ### 1/5 — Nuk logohemi dot *2025-07-17, version 4.5.1* Ju lutem rregulloni aplikacionin se nuk po logohemi dot , merrni kohen per te rregulluar sistemin dhe tani prap nuk hyjm dot ### 1/5 — Problematike ! *2024-12-26, version 4.4.4* Vazhdon te mos funksionoje mundesia per fshirjen e perfituesve nga aplikacioni BKT smart, edhe pse opsioni eshte aty nuk punon prej kohesh. ### 5/5 — Great app *2023-05-25, version 4.1.2* Great and functional app. This app is well developed and is very user friendly. I can access everything I want at my fingertips. Definitely much better than the apps that I have used for my banks in US. ### 1/5 — Worst bank in Albania 👎 *2023-04-10, version 4.1.0* When trying to do an international transfer it gave me a backoffice bug. When trying to submit a complaint about this, the input form also bugged out. ### 3/5 — Meh *2022-09-26, version 4.0.0* Do ishte mire sikur interface te ishte me i perditsuar dhe te kishim nje lloj interaction si ne website nga nje kompjuter. ### 5/5 — Well done BKT *2022-07-13* Ahead on the Albanian Banking industry. ### 1/5 — 👎🏼 *2022-02-10, version 3.2.4* Sherbim shum i ngadalte po te vesh te banka te ike dita duke prit aty ne rradhe 👎🏼 ### 1/5 — :(( *2021-03-19, version 3.1.3* Pasi kam bere updating me versionin e fundit aplikacioni nuk hapet me fare!Iphone xmax version ios 14.4.1!!Fix it pls ## Frequently asked questions about BKT Smart ### What is BKT Smart? BKT Smart is a mobile banking application that allows retail customers to perform various banking services securely from their smartphone, eliminating the need to visit a physical branch. ### Is BKT Smart free to use? Yes, BKT Smart is available for free download and use, with no associated costs for accessing its banking features. ### What banking services does BKT Smart offer? BKT Smart enables users to check account balances, make payments for utility bills and credit cards, transfer money between accounts, perform mobile top-ups, and open new accounts or deposits. ### Can I find ATMs or branches with BKT Smart? Yes, BKT Smart includes a feature to search for the location of ATMs or the nearest BKT branch, even without logging in. ### What languages does BKT Smart support? BKT Smart provides its services in two languages: Albanian and English, catering to a wider user base. ### How secure is BKT Smart? BKT Smart is designed to offer fast and secure banking services. Users access the app using their Customer ID and password, with an option to 'Remember Me' for easier access. ### What devices is BKT Smart compatible with? BKT Smart is supported on iPhones and iPods, as indicated by the provided device compatibility information. ### How often is BKT Smart updated? The latest version of BKT Smart is 4.5.5, and it was last updated on December 23, 2025, suggesting regular updates to maintain functionality and security. ## Version history (last 5 releases) ### 4.5.8 — 2026-06-03 This version contains new features and general improvements to bring you a better and faster banking experience! International transfers for business clients — you can now initiate and manage international transfers directly from the app. Insurance module improvements — we've made enhancements to the insurance section for a smoother experience. Account statements in Excel — you can now download your account statements in Excel format, in addition to PDF. Richer transfer and card transaction details — more information and visibility into your transfers and card activity. General improvements — various bug fixes and performance improvements across the app. Thank you for using BKT Smart! ### 4.5.7 — 2026-04-15 This version included general improvements and bug fixes. Thank you for using BKT Smart! ### 4.5.5 — 2025-12-23 More convenience and options in your banking app. - Schedule periodic transfers directly from the app – no waiting! Choose the transfer details, your preferred frequency, and the execution period. You can modify or cancel transfers at any time using the new menu: Payments & Transfers → Periodic Transfers. - General improvements across the app. Update now and enjoy a smarter banking experience! ### 4.5.4 — 2025-11-27 This version includes bug fixing and general improvements. Update now and enjoy a smarter banking experience! ### 4.5.3 — 2025-10-23 More ease and possibilities in your mobile banking app! Apply for a credit card instantly from the app – no waiting in line! Spread kindness anytime with the new Charity Donation menu! Discover new menus for Payments to Microfinance Institutions or Student Housing – no more waiting, just a few taps away. Enjoy improved bill payments, for a faster and smoother experience. Update now and enjoy a smarter banking experience! ## Apps similar to BKT Smart | App | Rating | Price | Category | | --- | --- | --- | --- | | [BEK-Mobile](https://appshunter.io/ios/app/bek-mobile/id6476188250) | 4.8 (29) | Free | Finance | | [epara](https://appshunter.io/ios/app/epara/id6453123990) | 4.2 (5) | Free | Finance | | [CREDINS online](https://appshunter.io/ios/app/credins-online/id726998673) | 2.1 (42) | Free | Finance | | [Raiffeisen ON](https://appshunter.io/ios/app/raiffeisen-on/id1194478857) | 4.1 (35) | Free | Finance | | [Raiffeisen Youth](https://appshunter.io/ios/app/raiffeisen-youth/id6468880976) | 3.1 (15) | Free | Finance | | [Union Bank Live](https://appshunter.io/ios/app/union-bank-live/id6504174081) | 2.3 (7) | Free | Finance | ## More apps by BANKA KOMBETARE TREGTARE SH.A. - [BKT Kosova Mobile](https://appshunter.io/ios/app/bkt-kosova-mobile/id1112961398) - [Dora e Pare](https://appshunter.io/ios/app/dora-e-pare/id6447363127) All apps by BANKA KOMBETARE TREGTARE SH.A.: https://appshunter.io/developer/1061947931 ## Related topics [bkt](https://appshunter.io/ios/topics/bkt) · [bkt smart](https://appshunter.io/ios/topics/bkt-smart) · [bkt albania](https://appshunter.io/ios/topics/bkt-albania) · [bkt kosova mobile](https://appshunter.io/ios/topics/bkt-kosova-mobile) · [bktfit](https://appshunter.io/ios/topics/bktfit) · [bkt mobile](https://appshunter.io/ios/topics/bkt-mobile) · [banka ekonomike](https://appshunter.io/ios/topics/banka-ekonomike) · [otp bank albania](https://appshunter.io/ios/topics/otp-bank-albania) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-01.*