epara vs Jet Bank

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.

Open your account in minutes. Complete your onboarding digitally and get access to your Jet Bank current account directly from the app. Jet Bank offers current accounts in LEK and EUR, with a fully digital banking experience from day one. Manage your money with clarity Use the app to follow your money in real time and stay in control of your daily banking. You can: Residence Permit support for a smoother onboarding experience. View your current account balances and transactions Update your email, phone number and address directly in the app Manage accounts in LEK and EUR Make domestic payments Make international payments (SEPA, SEPA INSTANT, SWIFT) Exchange currency through the app See exchange rates and applicable fees before confirmation Receive real-time transaction notifications Add your card to Wallet and make secure payments. Manage everything from one app Savings accounts in LEK and EUR Term deposits in LEK and EUR Competitive interest rates Clear visibility of your balances and earned interest Easy access to product details before you confirm Pay with your card Your Jet Bank card is issued Instantly and can be used for everyday payments. You Can: Manage your card directly from the app Move money locally and internationally Save smarter Jet Bank helps you grow your money with simple and transparent savings products. Organize your money with Jet Plans Create Jet Plans for your goals, bills, travel, or future spending. Jet Plans help you separate money for different purposes and see more clearly where your money goes. Security you control Your money and access are protected through strong digital security. Our app includes: Biometric login Strong customer authentication Secure digital onboarding Real-time transaction alerts Secure card controls Controlled access to your account at all times More products are coming soon Jet Bank is starting with core digital banking services and will continue expanding. We are continuously improving the app and preparing new products and features for the next phases. Stay tuned. This is just the beginning. Legal & Regulatory Information Jet Bank operates under a banking licence issued by the Bank of Albania and is supervised in accordance with applicable Albanian legislation. Deposits are protected under the Albanian Deposit Guarantee Scheme, administered by the Deposit Insurance Agency of Albania, up to ALL 2,500,000 per depositor, in accordance with Law No. 53/2014 “On Deposit Insurance”, as amended. Interest rates may change in accordance with the applicable product terms and contractual conditions. Exchange rates, payment fees, and any applicable charges are displayed before transaction confirmation. SEPA and SWIFT payments are subject to validation, payment scheme rules, correspondent/intermediary bank requirements, cut-off times, and applicable regulatory checks. Full Terms and Conditions apply and are available on our website.