BKT Smart4.6.1 - App Store

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.

Version History This version includes general improvements. Thank you for using BKT Smart! 4.6.1 Oct 6 Thank you for using BKT Smart! This version includes improvements and new features as follows:

IdentiTEK – A new way to purchase electronic coupons for biometric documents directly in the app.
Customer Insights – Get a clearer view of your spending and finances, right at your fingertips.
Credit Card Bonus Point Transfers – Transfer your accumulated bonus points with ease.
Preferential Deposit Rate Requests – Request preferential rates on your deposits directly from the app.
International Transfers – Smoother, faster, and improved international money transfer experience. 4.6.0 Sep 15 This version contains new features and general improvements to bring you a better and faster banking experience!

International transfers for business clients — you can now initiate and manage international transfers directly from the app.
Insurance module improvements — we've made enhancements to the insurance section for a smoother experience.
Account statements in Excel — you can now download your account statements in Excel format, in addition to PDF.
Richer transfer and card transaction details — more information and visibility into your transfers and card activity.
General improvements — various bug fixes and performance improvements across the app.

Thank you for using BKT Smart! 4.5.8 Jun 3 This version included general improvements and bug fixes.
Thank you for using BKT Smart! 4.5.7 Apr 15 This version included general improvements and bug fixes.
Thank you for using BKT Smart! 4.5.6 Apr 14 More convenience and options in your banking app.
- Schedule periodic transfers directly from the app – no waiting! Choose the transfer details, your preferred frequency, and the execution period. You can modify or cancel transfers at any time using the new menu: Payments & Transfers → Periodic Transfers.
- General improvements across the app.
Update now and enjoy a smarter banking experience! 4.5.5 12/23/2025 This version includes bug fixing and general improvements.
Update now and enjoy a smarter banking experience! 4.5.4 11/27/2025 More ease and possibilities in your mobile banking app!

Apply for a credit card instantly from the app – no waiting in line!
Spread kindness anytime with the new Charity Donation menu!
Discover new menus for Payments to Microfinance Institutions or Student Housing – no more waiting, just a few taps away.
Enjoy improved bill payments, for a faster and smoother experience.

Update now and enjoy a smarter banking experience! 4.5.3 10/23/2025 This version includes:

Smoother and faster experience with Credit Cards - Change supplementary card limit
Improvements on Prima installments
Improvements on Smart Pension
Bug fixes and performance improvements for a more reliable app

Thank you for using BKT Smart! 4.5.2 09/24/2025 Improvements and corrections to the Account Statement functionality.

New Ria Money Transfer service for faster and more secure transfers.

Adjustments to Preferential Exchanges, for an easier and clearer exchange rate experience.

Income Declaration for more convenience and control of your financial documentation.

We are constantly improving your experience – thank you for using BKT SMART! 4.5.1 07/10/2025 We’re always working to improve your banking experience! In this version, we’ve introduced:

- Enhanced Security: Recognized and trusted devices are now better managed for added protection.
- Improved Balance Notifications: Smarter and more reliable alerts to keep you informed.
- Card Reprint Requests: You can now start the reprint process for your debit or credit card directly from the app – simple and fast!
- General Improvements: Bug fixes and performance enhancements for a smoother experience.

Update now and enjoy a safer and more efficient BKT SMART! 4.5.0 05/14/2025 This version includes general improvements and bug fixes. 4.4.8 04/02/2025 This version includes general improvements and bug fixes.
Thank you for using BKT Smart! 4.4.7 03/03/2025 Thank you for using BKT Smart!
This version contains bug fixing and general improvements. 4.4.6 01/24/2025 Thank you for using BKT Smart!
This version contains general improvements and bug fixing. 4.4.5 01/23/2025 Thank you for using BKT Smart!

This version includes:
- Improvements to transaction details.
- Improvements to loan details.
- More information about commissions for international and domestic transfers.
- General improvements. 4.4.4 12/17/2024 General improvements. 4.4.3 11/14/2024 General improvements and bug fixing. 4.4.2 11/12/2024 Thank you for using BKT Smart!
This release contains new features and fixes of issues reported by our users.

- Temporarily block and reactivate your credit and debit card.
- Register and Forgot password for business customers more easily by using the "unique code".
- General improvements and solutions to problems reported by users. 4.4.1 10/11/2024 Thank you for using BKT Smart!
This version includes general improvements and bug fixing. 4.4.0 08/14/2024 Possibility to request and get a preferential exchange rate.
Cardless ATM deposit for businesses.
Meet your personal banker. 4.3.3 06/27/2024 Thank you for using BKT Smart!
This version includes general improvements. 4.3.2 06/12/2024 Thank you for using BKT Smart!
We're always working to give you a better experience. This version has general improvements! 4.3.1 05/02/2024 - Reset password with NFC: Use your Identity card or Passport to reset your password.
- Simpler registration for "Person Fizik" category without the need to visit the branch.

- Improvements in Payments for e-Albania for simpler transactions.

- General improvements for a better user experience.

Thank you for using BKT Smart! 4.3.0 04/18/2024 - Improvements on Bill payments.
- Loyalty Cards - Customers can register their loyalty cards to collect points in their stores.
- E-Para - The newest digital wallet with more possibilities.
- Adding new products for Insurance.
- Improvements to the Deposits module.
- Improvements to the ATM Cardless Withdrawals module. 4.2.5 02/04/2024