Comparison

BKT Smart vs Business #withKEY

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
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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.

About

Business #withKEY

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The Business #withKEY application is used to provide protection for the Internet Banking system users. The Business #withKEY mobile application supports secure interaction and user authentication.

Screenshots

BKT Smart4 screens
Business #withKEY4 screens

Verdict

The call

The clearest difference is update cadence: BKT Smart at every 5 weeks against Business #withKEY's every 6 months. On price, ads, in-app purchases and device support 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.

UpkeepUpdate frequency

BKT Smart ships an update every 5 weeks, Business #withKEY every 6 months. The most recent releases landed on October 24, 2026 and October 9, 2026 respectively.

Scorecard1 real difference · 9 level
BKT Smart versus Business #withKEY: the parameters behind the verdict, then further details
ParameterBKT SmartBusiness #withKEY
PriceFreeFree
Rating3.1 (30 ratings) — better—
Positive reviews50.0% of reviews—
Number of ratings30 — better—
Update frequencyEvery 5 weeks — betterEvery 6 months
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS15.014.0 — better
Further details — not scored
Size209 MB7 MB
Age rating4+4+
DeveloperBKTINTESA SANPAOLO BANK ALBANIA SH.A

In-app purchases

None

BKT Smart

No in-app purchases

None

Business #withKEY

No in-app purchases

Questions

Is BKT Smart free?
BKT Smart is free to download, with no in-app purchases.
Is Business #withKEY free?
Business #withKEY is free to download, with no in-app purchases.
Do BKT Smart or Business #withKEY have ads?
Neither BKT Smart nor Business #withKEY shows ads.
Which is updated more often, BKT Smart or Business #withKEY?
BKT Smart ships an update every 5 weeks, and Business #withKEY every 6 months. Most recently, BKT Smart was updated on October 24, 2026 and Business #withKEY on October 9, 2026.

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