Campaign “Bonus for Digital Onboarding”
BKT rewards new clients who register through Digital Onboarding in the BKT Smart application with a bonus of up to 6,000 ALL, divided into three simple steps:
- Welcome Bonus – 1,000 ALL
- Smart Bonus – 2,000 ALL
- Loyalty Bonus – 3,000 ALL
Terms & Conditions
1. Campaign Period
The campaign runs from September 1, 2025 until December 31, 2025. Only registrations completed via Digital Onboarding during this period are valid.
2. Participants
The campaign is open only to new individual clients who register for the first time as BKT clients via Digital Onboarding in BKT Smart. Each individual may benefit only once for each bonus.
3. Bonus Structure (up to 6,000 ALL in total)
3.1 Welcome Bonus – 1,000 ALL
Granted to clients who, within 30 days from registration, perform at least one transaction with a minimum value of 1,000 ALL in BKT Smart.
3.2 Smart Bonus – 2,000 ALL
Granted to clients who, during the period 31–60 days from registration, perform at least three transactions, each with a minimum value of 1,000 ALL, from three different categories from the list below. Transactions between the client’s own accounts are not considered for this bonus.
- Transfers within BKT / Domestic transfers
- International Transfers
- Receiving Remittances with RIA Money Transfer
- Mobile Top-up
- Customs Payments
- Traffic Fine Payments
- Treasury Payments
- Tax Payments
- Insurance Payments
- Private Pension Payments
- Public University Payments
- e-Albania Payments
- TV Subscription Payments (Tring & Digitalb)
- Utility Bill Payments
- Currency Exchange
- Opening a Savings Account*
- Opening a Deposit*
3.3 Loyalty Bonus – 3,000 ALL
Granted to clients who, at the end of the evaluation period (until February 28, 2026), are registered as salary-receiving clients with a net monthly salary starting from 40,000 ALL credited to their account.
4. Bonus Distribution
- Bonuses are independent from each other. The client from digital onboarding benefits only from the bonuses for which the conditions are fulfilled, without the need to receive another bonus first.
- Welcome Bonus: credited within the following month, after the 30-day period has passed and the condition has been fulfilled.
- Smart Bonus: credited within the following month, after the completion of the 31–60 day period from registration and fulfillment of the conditions.
- Loyalty Bonus: assessed after the end of February 2026 for all clients registered during the campaign and credited at the beginning of March 2026.
- If the account is closed before the crediting takes place, the bonus will not be granted.
*A withholding tax of 15% will be applied to the amount received