BKT Smart vs OweMe

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.

OweMe keeps track of who paid what in your group — trips, flatshares, dinners, holidays — and works out who owes whom in the fewest possible transfers. Settling up is a sentence, not a transaction: OweMe never touches your money, your card or your bank. SPLIT ANY WAY • Equal, exact amounts, percentages or shares • More than one payer on a single expense • Recurring expenses for rent and bills • 156 currencies, each settled on its own • See who paid each expense at a glance SETTLE UP IN THE FEWEST TRANSFERS • Who owes whom, per group and across all your groups • Record a payment in two taps; the other person confirms it • Every change stays on the record, so nobody has to argue from memory MADE FOR GROUPS • Invite friends with a link or a QR code — free on every plan • Notifications when someone adds an expense that involves you • Export any group as CSV, and your whole account as JSON PRIVATE BY DESIGN • No ads, no tracking, no analytics SDKs • Receipts are read on your phone — the photo never leaves it • Delete your account in the app, any time FREE, FOREVER Splitting, balances and settling up are free and always will be. The free plan includes 3 groups, 300 expenses per group, 90 days of browsable history and 3 receipt scans a month. OWEME PREMIUM • Unlimited groups, history and expenses • Offline mode for all your groups • Unlimited receipt scanning, split item by item • Currency conversion on a rate you set • PDF export of any group • Add people who are not on OweMe by name Premium is a monthly or yearly subscription. The yearly plan starts with a 7-day free trial. PREMIUM GROUP Upgrade a single group for 90 days, for everyone in it, with one payment. It brings offline mode, PDF export, unlimited receipt scanning and full history to that group, and it never renews. Payment is charged to your Apple Account at confirmation of purchase. A subscription renews automatically unless it is cancelled at least 24 hours before the end of the current period, and your account is charged for the renewal within the 24 hours before the period ends. You can manage or cancel it in Settings → your name → Subscriptions. Any unused part of a free trial ends when you buy a subscription. Terms of Use: https://owemeapp.com/terms Privacy Policy: https://owemeapp.com/privacy