Comparison

BKT Smart vs eReja

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

eReja

This electronic money institution allows you to make electronic payments without maintenance or hidden fees. You can fund your digital wallet via bank card, agents across Albania, or transfers from other users. Pay bills, transfer money, and manage your finances in real-time.

Highlights
  • Electronic payments without fees
  • Fund wallet via bank card
  • Fund wallet via agents
  • Transfer money to other users
  • Pay bills with QR code
  • Real-time balance and transaction history
  • Budget planning
Features
Read full description

Teknologji në funksion të kohës eReja është Institucion i Parasë Elektronike i licencuar nga Banka e Shqipërisë. eReja është teknologjia e re e pagesave që mundëson kryerjen e transaksioneve elektronike, pa kosto mirëmbajtjeje dhe pa kosto të fshehura. Portofol Elektronik Shkarkoni aplikacionin eReja në appstore, regjistrohuni, hapni llogarinë në portofolin tuaj digjital dhe: • Kreditoni llogarinë tuaj: me kartë bankare (nëpërmjet kartës tuaj të debitit apo kreditit) pa nevojën e një llogarie bankare duke u paraqitur në një prej +400 agjentëve në të gjithë Shqipërinë duke kërkuar kredite nga një përdorues tjetër i eReja • Përdoreni eReja për të: Paguar fatura në tregtarë ku shihni logon eReja - Skano QR code në çdo faturë për të kryer pagesën Paguar faturat tuaja te energjisë elektrike, ujit, internet, telefoni Transferuar para në një ewallet eReja tjetër Së shpejti dhe me shërbime të tjera per t`ju ndihmuar në realizimin e çdo pagese apo transferte në një kohë sa më të shpejtë. • Me eReja në kohë reale keni mundësi të: kontrolloni balancën, historikun e transaksioneve, planifikoni buxhetin tuaj Kur përdorni këtë aplikacion, të dhënat tuaja personale proçesohen sipas Politikës së Privatësisë së eReja e aksesueshme në linkun https://ereja.al/termat-dhe-kushtet/.

Screenshots

BKT Smart4 screens
eReja4 screens

Verdict

The call

The clearest difference is rating: eReja at 5.0 against BKT Smart's 3.1. BKT Smart's advantage is ratings volume (28 vs 1). On price, update cadence, 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

eReja holds the better App Store score, 5.0 against 3.1. That said, the two scores are not equally well evidenced: BKT Smart has 28 ratings behind it against 1, so its average is the more settled of the two.

UpkeepUpdate frequency

BKT Smart ships an update every 5 weeks, eReja monthly. The most recent releases landed on September 7, 2026 and September 10, 2026 respectively.

Scorecard2 real differences · 8 level
BKT Smart versus eReja: the parameters behind the verdict, then further details
ParameterBKT SmarteReja
PriceFreeFree
Rating3.1 (28 ratings)5.0 (1 ratings) — better
Positive reviews50.0% of reviews—
Number of ratings28 — better1
Update frequencyEvery 5 weeksMonthly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.015.0
Further details — not scored
Size190 MB76 MB
Age rating4+17+
DeveloperBKTeReja 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%

eReja

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

BKT Smart

No in-app purchases

None

eReja

No in-app purchases

Questions

Is BKT Smart free?
BKT Smart is free to download, with no in-app purchases.
Is eReja free?
eReja is free to download, with no in-app purchases.
Which has better reviews, BKT Smart or eReja?
eReja is rated higher. BKT Smart averages 3.1 out of 5 from 28 ratings, while eReja averages 5.0 from 1 ratings.
Do BKT Smart or eReja have ads?
Neither BKT Smart nor eReja shows ads.
Which is updated more often, BKT Smart or eReja?
BKT Smart ships an update every 5 weeks, and eReja monthly. Most recently, BKT Smart was updated on September 7, 2026 and eReja on September 10, 2026.

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