CARDLESS TRANSACTIONS | Banka Kombetare Tregtare

CARDLESS TRANSACTIONS

Homepage Daily BankingATM - Smart BanKomaTCARDLESS TRANSACTIONS

1. CARDLESS WITHDRAWAL (WITH UNIQUE CODE)

This new modality comes in the context of the development and launch of new software for ATMs SMART BANKOMAT.
This transaction must be generated firstly on BKT Smart iOS or Android and then the withdrawal must be performed on Smart BanKomaT.
 
This withdrawal option can only be initiated by a BKT customer in the BKT Smart application in the Cardless Transactions menu - Create Cardless Withdrawal
 
The client has the opportunity to choose:
 
  • Unique Code validity time period from 1-72 hours
  • Withdrawal predefined amount from 1,000 ALL - 10,000 ALL
  • Ability to use the Unique Code in all Smart ATMs or in a certain Smart ATM
 
After successfully creating this transaction, the customer can use it by himself or send it to someone through communication applications installed on his/her mobile phone in order to use it in Smart BanKomaT even without being a customer of BKT for a period of time as defined within the limits of 72 hours.
 
Cardless withdrawal is divided into two phases which operate as independent of each other:
 
  • The first phase consists of creating a Cardless Withdrawal with Unique Code in the Android / iOS version
 
The steps to be followed are:
 
  1. Log in in BKT Smart;
  2. Select the menu "Cardless Transactions" and then the submenu "Withdraw with Unique Code";
  3. The account from which the funds will be withdrawn is selected;
  4. The withdrawal amount from 1,000 ALL - 10,000 ALL is selected from the list;
  5. The option to use the overdraft limit is activated or not;
  6. Select from the list the validity of the Unique Code from 1-72 hours;
  7. The possibility of using the Unique Code is activated or not in all Smart BanKomaTs.
If this button is not activated, after clicking Continue the list of nearest ATMs is displayed to select a certain Smart BanKomaT.
  1. Click Continue;
  2. (Optional) Click Share, to send the Unique Code to someone else through the communication applications installed on the smartphone.
 
 
  • The second phase consists of Withdrawing Money with a Unique Code in BanKomaT Smart BanKomaT
 
The steps to be followed are:
 
  1. Click the “Cardless Transactions” button in Smart BankKomaT;
  2. Select the menu “Withdraw with Unique Code”;
  3. Enter the Amount and Unique Code previously generated in BKT Smart;
  4. Click “Continue” in the summary screen;
  5. Click “Confirm”.
 
The initiating client in BKT Smart also has the ability to check the status of the Unique Code in the Cardless Transactions - My Withdrawals with Unique Code menu, as well as change the status from Valid to Cancelled.
 
The steps to be followed are:
  1. Log in in BKT Smart;
  2. Select the menu "Cardless Transactions" and then the submenu "My Withdrawals with Unique Code";
  3. Click “Cancel” in transactions which have the status “Valid”;
  4. Click "Yes" in the pop-up box.
 
The limits set for this transaction are as follows:
 
  Accumulative amount of Unique Code Withdrawal
Daily Limit 10,000.00 ALL
Monthly Limit 100,000.00 ALL
 
 
* These limits are only effective on the initiator of the transaction in BKT Smart.
** The transaction is allowed to be performed only in LEK currency.
 

2. CARDLESS TOP UP

An innovation transaction of Smart BanKomaT is Cardless Top Up, which serves to recharge the prepaid mobile number by depositing cash at Smart BanKomaT.
 
This recharge option can be performed by all non-BKT customers at Smart BanKomaT in the menu Cardless Transactions - Cardless Top Up menu.
 
The client has the opportunity to choose:
  • Top Up only
  • Top Up and Package Activation
The recharge value will be equal to the amount of cash that will be deposited in Smart BanKomaT. The value of the package to be activated cannot be greater than the balance of the prepaid number together with the value of the cash deposited.
 
Through this transaction, the top-up of the prepaid number can now be performed not only by BKT customers.
 
The steps to be followed for Cardless Top Up at Smart BanKomaT are:
  1. Click the “Cardless Transactions” button in Smart BankKomaT;
  2. Select the menu “Cardless Top Up”;
  3. Select the Mobile Operator;
  4. Enter the “Prepaid Mobile Number” and click “Continue”;
  5. Insert in Smart BanKomaT banknotes that will be used for recharge;
  6. Click "Confirm" to proceed or "Add" if the customer wants to insert more banknotes;
  1.  Choose “Standart Top Up”
 6.1 Choose the Package which needs to be activated
 
  1. In the summary screen click “Continue”
 6.2 In the summary screen click “Continue”
 

Attention: If the amount of the activated package is less than the recharge value, the remaining amount will be used as recharge to the mobile number.
 
* The transaction is allowed to be performed only in LEK currency