Comparison

BKT Smart vs IBAS

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

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.

Highlights
  • Electronic payment services
  • Money transfer
  • National and international accounts
  • POS solutions
  • Quick loans
Features
Read full description

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

BKT Smart4 screens
IBAS4 screens

Verdict

The call

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

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

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.

UpkeepUpdate frequency

BKT Smart ships an update every 5 weeks, IBAS fortnightly. The most recent releases landed on September 7, 2026 and August 5, 2026 respectively.

Scorecard4 real differences · 6 level
BKT Smart versus IBAS: the parameters behind the verdict, then further details
ParameterBKT SmartIBAS
PriceFreeFree
Rating3.1 (28 ratings)4.7 (23 ratings) — better
Positive reviews50.0% of reviews100.0% of reviews — better
Number of ratings28 — better23
Update frequencyEvery 5 weeksFortnightly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.013.0 — better
Further details — not scored
Size190 MB41 MB
Age rating4+4+
DeveloperBKTIBAS SH.P.K.

Customer experience

BKT Smart

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

IBAS

All ratings23 ratings
Positive91.3%
Neutral0.0%
Negative8.7%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

BKT Smart

No in-app purchases

None

IBAS

No in-app purchases

Questions

Is BKT Smart free?
BKT Smart is free to download, with no in-app purchases.
Is IBAS free?
IBAS is free to download, with no in-app purchases.
Which has better reviews, BKT Smart or IBAS?
IBAS is rated higher. BKT Smart averages 3.1 out of 5 from 28 ratings, while IBAS averages 4.7 from 23 ratings.
Do BKT Smart or IBAS have ads?
Neither BKT Smart nor IBAS shows ads.
Which is updated more often, BKT Smart or IBAS?
BKT Smart ships an update every 5 weeks, and IBAS fortnightly. Most recently, BKT Smart was updated on September 7, 2026 and IBAS on August 5, 2026.

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