BKT review
Updated October 12, 2026 · SumCue Editorial Team
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Our verdict
BKT is Banka Kombëtare Tregtare, known for home loans, personal loans, credit cards, deposits and currency exchange in Albania. BKT suits households wanting app based joining plus branch service with payments, deposits and everyday account management together for borrowing and saving needs.
Key facts
Loans
- Loan amount
- up to ALL 3,000,000↗
- Term
- up to 120 months↗
- Arrangement fee
- 1% of the loan, minimum 3000 ALL (0% when closing a loan held at another bank)↗
- Rate type
- Variable↗
- Lender type
- Direct lender↗
- Eligibility
- Individuals with salary or rent income; 6 months in the same public-sector post, 1 year in the same private-sector post, 1 year total work experience; no guarantor needed up to ALL 500,000↗
- Origination fee (%)
- 0% to 1%↗
- Loan types
- Personal↗
Savings
- Minimum deposit
- ALL 1,500↗
- Access terms
- Llogari Kursimi: unlimited deposits and withdrawals at any time, minimum account balance 1,500 lek or 15 EUR/USD/GBP, interest calculated on daily balance and paid at the end of each quarter, uncensored (no cap) credits; open in Lek, Euro, Dollar, Pound↗
- Account kind
- Easy access↗
Mortgages
- Initial rate
- 2.5%↗
- Fixed period
- 1 year↗
- Maximum loan to value
- 85%↗
- Product fee
- ALL 0↗
- Purpose
- Purchase, First-time-buyer↗
Facts checked September 26, 2026, 7 sources
Apps and profiles
- Get the app
- Google Play
Pros and cons
Pros
- Bank range spans home loans, personal loans, cards and currency exchange
- Online client registration through BKT Smart with no branch visit needed
- QR cash deposits at Smart cash machines linked to the mobile app
- Annual vehicle tax payment inside app and internet branch services
Cons
- Digital offer concentrates joining, payments and QR deposits around BKT Smart
- Product focus stays on loans, cards, deposits and currency exchange
Who it suits
- Households seeking home and personal borrowing in one bank
- People preferring app based joining and cash machine deposits
- Drivers wanting vehicle tax payment inside banking services
Who should look elsewhere
- People seeking banking outside Albania
- People seeking services beyond loans, cards, deposits and exchange
How BKT compares
Frequently asked questions
What products does BKT offer?+
BKT provides home loans, personal loans, deposit accounts, credit cards and currency exchange for everyday banking needs. The range centres on borrowing, saving and card spending supported through branches and digital channels. Borrowers can also use online loan and deposit calculators for early planning.
What is BKT Smart?+
BKT Smart is the mobile banking service that supports online client registration, payments and deposits. It also works together with the internet branch for tasks such as paying annual vehicle tax. Registration can be completed fully online from wherever you are.
How does the QR deposit service work?+
You open BKT Smart and scan the QR code shown for deposits. You then complete the deposit at a Smart cash machine using the app link. The bank presents this route as a fast and simple way to add cash without visiting a counter.
Which company operates BKT?+
BKT is operated by Banka Kombetare Tregtare Sh.A.. (Source, checked September 26, 2026)
Where is BKT based?+
BKT is based in Albania. (Source, checked September 26, 2026)
When was BKT founded?+
BKT was founded in 1925 to 1993. (Source, checked September 26, 2026)
How can I contact BKT support?+
BKT offers support through Phone, Email, Help-centre. (Source, checked September 26, 2026)
Sources
- bkt.com.al checked September 26, 2026
Backs: Legal entity
“JCR Eurasia Rating ka vleresuar strukturen e konsoliduar te "Banka Kombetare Tregtare Sh.A." ne kategorine e nivelit te investimit”
- bkt.com.al/me-duhet-kredi/kredite-hipotekore/kredi-per-sh... checked September 26, 2026
Backs: Fixed period, Initial rate, Maximum loan to value, Product fee, Purpose
“2.5% fiks per vitin e pare, me pas Bono Thesari 1 vjecare +1.5% (e ndryshueshme cdo 12 muaj)”
- bkt.com.al/na-kontaktoni checked September 26, 2026
Backs: Headquarters, Support channels
“Selia Qendrore e BKT ne Shqiperi ... Adresa: Rruga e Vilave, Lunder 1, 1045, Tirane, Shqiperi”
- bkt.com.al/rreth-nesh/kush-jemi checked September 26, 2026
Backs: Founded
“Rrenjet e Bankes Kombetare Tregtare datojne ne 29 nentor te vitit 1925 ... BKT, me emertimin qe ka sot, u themelua ne janar te vitit 1993”
- bkt.com.al/veprime-ditore/llogari-kursimi checked September 26, 2026
Backs: Access terms, Account kind, Minimum deposit, Rate type
“Ju mund të depozitoni dhe tërhiqni në çdo kohë që dëshironi ... Interesi llogaritet mbi gjendjen ditore dhe përfitohet në fund të çdo tremujori”
- bkt.com.al/me-duhet-kredi/kredi-personale/super-kredi checked September 26, 2026
Backs: Loan amount, APR, Loan types, Arrangement fee, Origination fee (%), Term
“Super Kredi: maximum loan amount - up to 3,000,000 Lek”
- bkt.com.al/me-duhet-kredi/kredi-personale/super-kredi/pye... checked September 26, 2026
Backs: Eligibility, Lender type
“Super Kredi is offered only to individuals whose income comes from salary and/or rent; at least 6 months in the same position in the public sector, at least 1 year in the same position in the private...”
Compiled from 7 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Annual fee, Currency conversion fee, Rewards type.