BKT Smart vs IBAS
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Secure banking services
- Account and credit card management
- Utility bill payments
- Mobile top-ups
- Money transfers
- ATM and branch locator
- Exchange calculator
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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.
IBAS
This financial institution offers electronic payment and money transfer services, licensed by the Central Bank of Kosovo. It aims to provide simplified services and innovative financial solutions with a focus on integrity and quality.
- Electronic payment services
- Money transfer
- National and international accounts
- POS solutions
- Quick loans
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IBAS është institucion financiar, i licencuar nga Banka Qendrore e Kosovës për shërbimin e pagesave dhe transferit të parasë. IBAS fushëveprimtarinë e ushtron krejtësisht në formë elektronike, duke minimizuar shpenzimet e paguesve dhe të paguarve dhe duke rritur komoditetin e fleksibilitetin. Misioni Ofrimi i shërbimeve të thjeshtëzuara dhe zgjerimi i benefiteve. Vizioni Ofruesi i zgjidhjes inovative për instrumente financiare – pagesa dhe transfere parash Disa nga vlerat kryesore Integriteti, Sinqeriteti, Llogaridhënia, Pasioni, Modestia, Diversiteti, Kualiteti, Thjeshtësia dhe Përgjegjësia Sociale. Pse IBAS? Llogari pagesash kombëtare e ndërkombëtare, pa kosto hapja e pa kosto mirëmbajtja; POS fizik a elektronik, pa kosto të hapjes e pa kosto të mirëmbajtjes; Kredi të shpejtë e të lirë për të gjitha llojet e pagesave tuaja, eeeeee shumë e shumë të tjera.
Screenshots
Verdict
The clearest difference is review sentiment: IBAS at 100% against BKT Smart's 50%. IBAS also leads on rating (4.7 vs 3.1) and update cadence (fortnightly vs every 5 weeks). On price, ratings volume, ads and in-app purchases 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
IBAS holds the better App Store score, 4.7 against 3.1. Both are backed by a comparable volume of ratings — 28 and 23 respectively. Written reviews point the same way: 50% of BKT Smart's written reviews are positive against 100% of IBAS's.
BKT Smart ships an update every 5 weeks, IBAS fortnightly. The most recent releases landed on September 7, 2026 and August 5, 2026 respectively.
| Parameter | BKT Smart | IBAS |
|---|---|---|
| Price | Free | Free |
| Rating | 3.1 (28 ratings) | 4.7 (23 ratings) — better |
| Positive reviews | 50.0% of reviews | 100.0% of reviews — better |
| Number of ratings | 28 — better | 23 |
| Update frequency | Every 5 weeks | Fortnightly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.0 | 13.0 — better |
| Further details — not scored | ||
| Size | 190 MB | 41 MB |
| Age rating | 4+ | 4+ |
| Developer | BKT | IBAS SH.P.K. |
Customer experience
BKT Smart
IBAS
In-app purchases
BKT Smart
No in-app purchases
IBAS
No in-app purchases









