# CREDINS online vs BKT Smart

The clearest difference is review sentiment: BKT Smart at 50% against CREDINS online's 7%. BKT Smart also leads on rating (3.1 vs 2.0) and update cadence (every 5 weeks vs every 3 months). On price, ratings volume, ads and in-app purchases there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

BKT Smart holds the better App Store score, 3.1 against 2.0. Both are backed by a comparable volume of ratings — 44 and 30 respectively. Written reviews point the same way: 7% of CREDINS online's written reviews are positive against 50% of BKT Smart's.

CREDINS online ships an update every 3 months, BKT Smart every 5 weeks. Both last shipped on October 24, 2026.

## The numbers

| Metric | CREDINS online | BKT Smart |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.0 (44 ratings)](https://appshunter.io/ios/app/credins-online/id726998673/reviews) | **[3.1 (30 ratings)](https://appshunter.io/ios/app/bkt-smart/id1072668841/reviews)** |
| Number of ratings | **44** | 30 |
| Positive reviews | 6.8% of reviews | **50.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 5 weeks** |
| Monetization | Free | Free |
| Size | 46 MB | 209 MB |
| Requires iOS | 17.0 | **15.0** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [CREDINS bank](https://appshunter.io/developer/726998676) | [BKT](https://appshunter.io/developer/1061947931) |

## What reviewers say

### CREDINS online

[App page](https://appshunter.io/ios/app/credins-online/id726998673)

Manage your banking needs remotely through this digital platform. Perform transactions, check balances, and apply for services without visiting a branch. Advanced security features ensure your financial data remains protected.

**Highlights:** Check account balances and history, Perform internal, domestic, and international transfers, Pay utility bills and standing orders, Currency exchange services, Online application for banking products, Biometric identification (Face/Fingerprint), SMS authorization codes

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### BKT Smart

[App page](https://appshunter.io/ios/app/bkt-smart/id1072668841)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is CREDINS online free?

CREDINS online is free to download, with no in-app purchases.

### Is BKT Smart free?

BKT Smart is free to download, with no in-app purchases.

### Which has better reviews, CREDINS online or BKT Smart?

BKT Smart is rated higher. CREDINS online averages 2.0 out of 5 from 44 ratings, while BKT Smart averages 3.1 from 30 ratings.

### Do CREDINS online or BKT Smart have ads?

Neither CREDINS online nor BKT Smart shows ads.

### Which is updated more often, CREDINS online or BKT Smart?

CREDINS online ships an update every 3 months, and BKT Smart every 5 weeks. Most recently, CREDINS online was updated on October 24, 2026 and BKT Smart on October 24, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*