Comparison

BKT Smart vs ISPBA Mobile Banking

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

BKT Smart

Manage your banking needs conveniently and securely from your smartphone. Access account information, make payments, transfer funds, and locate branches or ATMs without visiting a physical location. Services are available in Albanian and English.

Highlights
  • Secure banking services
  • Account and credit card management
  • Utility bill payments
  • Mobile top-ups
  • Money transfers
  • ATM and branch locator
  • Exchange calculator
Features
Read full description

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.

About

ISPBA Mobile Banking

Manage your accounts, cards, and loans with this secure mobile banking app. It offers personalized features, quick payments, and transaction tracking with biometric authentication options. Access ATM locations and contact information easily.

Highlights
  • Account, card, and loan management
  • Quick payments and bill pay
  • Transaction tracking with push notifications
  • Biometric authentication (fingerprint/face scan)
  • ATM and branch locator
  • Personalized shortcuts
Features
Read full description

Manage your finances safely and easily with Intesa Sanpaolo Bank Albania’s mobile banking application. Be ready to discover a more advanced and easier banking with numerous app personalization options. Get access to your accounts, cards, savings, loans and make payments quickly, anytime, anywhere. The Intesa Sanpaolo Bank Albania’s ATM and branch locator and contact information are available, even if you have not contracted for the service. A SINGLE APP FOR DAILY FINANCIAL MANAGEMENT • fast and graphically advanced view of your finances • push notifications for easier tracking of your transactions • select 5 shortcuts of the most used features • check the balance of the selected account without logging into the app • authorize transactions via biometric identification (fingerprint or face scanning)* • make payments to selected recipients without additional authorization • use #withPAY to transfer funds to members of the #withPAY community using their contact information from your phonebook • pay your bills easily at any time EVEN MORE SECURITY Using the mobile banking app is completely safe. The use of the app is based on a PIN which is known only to the user. No information related to your accounts or PINs is stored on the mobile device, which ensures absolute confidentiality of the information. After 3 consecutive incorrect PIN entries, the app becomes inactive, providing additional protection against unwanted access. Download the app now! Banking made easy #withINTESASANPAOLOBANK. *You can use the Biometric ID to access and use the Intesa Sanpaolo Bank mobile banking application if your mobile device supports this feature.

Screenshots

BKT Smart4 screens
ISPBA Mobile Banking4 screens

Verdict

The call

The clearest difference is rating: ISPBA Mobile Banking at 4.1 against BKT Smart's 3.1. ISPBA Mobile Banking also leads on iOS requirement (13.0 vs 15.0). BKT Smart's advantage is review sentiment (50% vs 42%). On price, ratings volume, update cadence and ads there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

ISPBA Mobile Banking holds the better App Store score, 4.1 against 3.1. Both are backed by a comparable volume of ratings — 28 and 40 respectively. Written reviews complicate that: 50% of BKT Smart's written reviews are positive against 42% of ISPBA Mobile Banking's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

BKT Smart ships an update every 5 weeks, ISPBA Mobile Banking every 2 months. The most recent releases landed on September 7, 2026 and September 11, 2026 respectively.

Scorecard3 real differences · 7 level
BKT Smart versus ISPBA Mobile Banking: the parameters behind the verdict, then further details
ParameterBKT SmartISPBA Mobile Banking
PriceFreeFree
Rating3.1 (28 ratings)4.1 (40 ratings) — better
Positive reviews50.0% of reviews — better41.7% of reviews
Number of ratings2840 — better
Update frequencyEvery 5 weeks — betterEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.013.0 — better
Further details — not scored
Size190 MB213 MB
Age rating4+4+
DeveloperBKTINTESA SANPAOLO BANK ALBANIA SH.A

Customer experience

BKT Smart

All ratings25 ratings
Positive48.0%
Neutral4.0%
Negative48.0%
Written reviews18 reviews
Positive50.0%
Neutral16.7%
Negative33.3%

ISPBA Mobile Banking

All ratings24 ratings
Positive62.5%
Neutral0.0%
Negative37.5%
Written reviews12 reviews
Positive41.7%
Neutral0.0%
Negative58.3%

In-app purchases

None

BKT Smart

No in-app purchases

None

ISPBA Mobile Banking

No in-app purchases

Questions

Is BKT Smart free?
BKT Smart is free to download, with no in-app purchases.
Is ISPBA Mobile Banking free?
ISPBA Mobile Banking is free to download, with no in-app purchases.
Which has better reviews, BKT Smart or ISPBA Mobile Banking?
ISPBA Mobile Banking is rated higher. BKT Smart averages 3.1 out of 5 from 28 ratings, while ISPBA Mobile Banking averages 4.1 from 40 ratings.
Do BKT Smart or ISPBA Mobile Banking have ads?
Neither BKT Smart nor ISPBA Mobile Banking shows ads.
Which is updated more often, BKT Smart or ISPBA Mobile Banking?
BKT Smart ships an update every 5 weeks, and ISPBA Mobile Banking every 2 months. Most recently, BKT Smart was updated on September 7, 2026 and ISPBA Mobile Banking on September 11, 2026.

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