Comparison

ISPBA Mobile Banking vs epara

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

ISPBA Mobile Banking

Manage your accounts, cards, and loans with this secure mobile banking app. It offers personalized features, quick payments, and transaction tracking with biometric authentication options. Access ATM locations and contact information easily.

Highlights
  • Account, card, and loan management
  • Quick payments and bill pay
  • Transaction tracking with push notifications
  • Biometric authentication (fingerprint/face scan)
  • ATM and branch locator
  • Personalized shortcuts
Features
Read full description

Manage your finances safely and easily with Intesa Sanpaolo Bank Albania’s mobile banking application. Be ready to discover a more advanced and easier banking with numerous app personalization options. Get access to your accounts, cards, savings, loans and make payments quickly, anytime, anywhere. The Intesa Sanpaolo Bank Albania’s ATM and branch locator and contact information are available, even if you have not contracted for the service. A SINGLE APP FOR DAILY FINANCIAL MANAGEMENT • fast and graphically advanced view of your finances • push notifications for easier tracking of your transactions • select 5 shortcuts of the most used features • check the balance of the selected account without logging into the app • authorize transactions via biometric identification (fingerprint or face scanning)* • make payments to selected recipients without additional authorization • use #withPAY to transfer funds to members of the #withPAY community using their contact information from your phonebook • pay your bills easily at any time EVEN MORE SECURITY Using the mobile banking app is completely safe. The use of the app is based on a PIN which is known only to the user. No information related to your accounts or PINs is stored on the mobile device, which ensures absolute confidentiality of the information. After 3 consecutive incorrect PIN entries, the app becomes inactive, providing additional protection against unwanted access. Download the app now! Banking made easy #withINTESASANPAOLOBANK. *You can use the Biometric ID to access and use the Intesa Sanpaolo Bank mobile banking application if your mobile device supports this feature.

About

epara

Manage your finances with virtual and physical cards for effortless payments, free ATM withdrawals, and automatic rewards. This app offers secure transactions, instant currency exchange, and real-time transaction tracking for both personal and business use.

Highlights
  • Virtual and physical cards
  • Free ATM withdrawals in Albania
  • Automatic rewards on payments
  • Dual currency management (ALL & EUR)
  • Global money transfers via Ria
  • Secure Mastercard transactions
  • Transaction tracking and limit management
  • Business payment solutions
Features
Read full description

Redefine your money management & spending experience with epara - designed to give you more benefits, more freedom and more control over your money. With epara, virtual and physical cards enable effortless payments, free withdrawals, and automatic rewards. Why choose epara? • Get rewarded on every payment with epara cards. • Withdraw with your physical card at any ATM in Albania without commission. • 2 currencies, 1 card – Manage ALL & EUR balances in a single wallet with instant currency exchange. • Receive money from friends & family from 200+ countries around the world with Ria in epara • Secure payments, anywhere, anytime – Safe transactions online and in-store, powered by Mastercard. • Track everything in one app – Monitor transactions, manage limits, stay in control 24/7. Have a business? epara works for you too Accept payments faster and easier with epara: • Generate QR codes or payment links for instant transfers from your customers • Track every transaction & give your team access tailored to their role • Withdraw your earnings at BKT ATMs real time, with 0 commission epara is perfect for: • People who love earning rewards on daily payments • Anyone who wants free ATM withdrawals across Albania • Online shoppers and subscription users • Businesses looking for modern, fast, and secure payment solutions • Anyone who values commodity, speed, and control epara – Your Free Digital Wallet | Powered by BKT More rewards. More freedom. More control.

Screenshots

ISPBA Mobile Banking4 screens
epara4 screens

Verdict

The call

ISPBA Mobile Banking and epara both sit at 4.1 stars, but that hides the real split: 100% of epara's written reviews are positive against 42% of ISPBA Mobile Banking's. ISPBA Mobile Banking's advantage is ads (none vs shown) and monetization model (free vs ad-supported). On price, rating, update cadence 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

On the App Store both sit at effectively the same score — 4.1 for ISPBA Mobile Banking against 4.2 for epara. That said, the two scores are not equally well evidenced: ISPBA Mobile Banking has 40 ratings behind it against 5, so its average is the more settled of the two. Written reviews are what separate them: 42% of ISPBA Mobile Banking's written reviews are positive against 100% of epara's.

UpkeepUpdate frequency

ISPBA Mobile Banking ships an update every 2 months, epara every 3 months. The most recent releases landed on September 11, 2026 and September 13, 2026 respectively.

Scorecard4 real differences · 6 level
ISPBA Mobile Banking versus epara: the parameters behind the verdict, then further details
ParameterISPBA Mobile Bankingepara
PriceFreeFree
Rating4.1 (40 ratings)4.2 (5 ratings) — better
Positive reviews41.7% of reviews100.0% of reviews — better
Number of ratings40 — better5
Update frequencyEvery 2 months — betterEvery 3 months
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFree — betterAd-supported
DevicesiPhone, iPodiPhone, iPod
Requires iOS13.012.4 — better
Further details — not scored
Size213 MB85 MB
Age rating4+4+
DeveloperINTESA SANPAOLO BANK ALBANIA SH.ABKT PAY SH.A

Customer experience

ISPBA Mobile Banking

All ratings24 ratings
Positive62.5%
Neutral0.0%
Negative37.5%
Written reviews12 reviews
Positive41.7%
Neutral0.0%
Negative58.3%

epara

All ratings5 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews2 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

ISPBA Mobile Banking

No in-app purchases

None

epara

No in-app purchases

Questions

Is ISPBA Mobile Banking free?
ISPBA Mobile Banking is free to download, with no in-app purchases.
Is epara free?
epara is free to download, with no in-app purchases.
Which has better reviews, ISPBA Mobile Banking or epara?
epara is rated higher. ISPBA Mobile Banking averages 4.1 out of 5 from 40 ratings, while epara averages 4.2 from 5 ratings.
Do ISPBA Mobile Banking or epara have ads?
epara shows ads; ISPBA Mobile Banking does not.
Which is updated more often, ISPBA Mobile Banking or epara?
ISPBA Mobile Banking ships an update every 2 months, and epara every 3 months. Most recently, ISPBA Mobile Banking was updated on September 11, 2026 and epara on September 13, 2026.

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