# BKT Smart vs POK

The clearest difference is rating: POK at 4.4 against BKT Smart's 3.1. BKT Smart's advantage is ads (none vs shown) and monetization model (free vs ad-supported). On price, review sentiment, ratings volume and update cadence there is nothing between them.

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

POK holds the better App Store score, 4.4 against 3.1. Both are backed by a comparable volume of ratings — 30 and 14 respectively. Written reviews split almost evenly too, at 50% and 50% positive.

BKT Smart ships an update every 5 weeks, POK monthly. The most recent releases landed on October 13, 2026 and October 10, 2026 respectively.

## The numbers

| Metric | BKT Smart | POK |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.1 (30 ratings)](https://appshunter.io/ios/app/bkt-smart/id1072668841/reviews) | **[4.4 (14 ratings)](https://appshunter.io/ios/app/pok/id1590835547/reviews)** |
| Number of ratings | **30** | 14 |
| Positive reviews | 50.0% of reviews | 50.0% of reviews |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Every 5 weeks | **Monthly** |
| Monetization | **Free** | Ad-supported |
| Size | 209 MB | 181 MB |
| Requires iOS | **15.0** | 15.6 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [BANKA KOMBETARE TREGTARE SH.A.](https://appshunter.io/developer/1061947931) | [RPAY SH.P.K](https://appshunter.io/developer/1554858888) |

## What reviewers say

### BKT Smart

[App page](https://appshunter.io/ios/app/bkt-smart/id1072668841)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### POK

[App page](https://appshunter.io/ios/app/pok/id1590835547)

Manage your money with fast, secure transactions, bill payments, and digital cards. Gain insights into your spending and enjoy exclusive benefits with premium card options. Take full control of your finances anytime, anywhere.

**Highlights:** Instant money transfers, Bill and utility payments, Digital VISA cards, Spending insights, QR code payments, Biometric login

**Features:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is BKT Smart free?

BKT Smart is free to download, with no in-app purchases.

### Is POK free?

POK is free to download, with no in-app purchases.

### Which has better reviews, BKT Smart or POK?

POK is rated higher. BKT Smart averages 3.1 out of 5 from 30 ratings, while POK averages 4.4 from 14 ratings.

### Do BKT Smart or POK have ads?

POK shows ads; BKT Smart does not.

### Which is updated more often, BKT Smart or POK?

BKT Smart ships an update every 5 weeks, and POK monthly. Most recently, BKT Smart was updated on October 13, 2026 and POK on October 10, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*