Turn your small or super big wishes to reality!
No collateral up to 3 million lekë financing
Repayment period up to 10 years
MORE INFO
Take your home 100% as you want it!
Apply and benefit fantastic interest rates starting from Euribor 12M + 2%
MORE INFO
Get the highest interest rates for the deposits in every currency
The more you save, the more you earn.
MORE INFO
SMART PAY ACCEPT AND SEND MONEY BY SCANNING QR CODE!
Log in to SmartPay, create your QR account in the currency you want, specify the amount of action and scan the QR code via your mobile phone camera or gallery.
MORE INFO
WIN IPHONE 13!
Register and perform transactions at BKT Smart to become part of lottery!
MORE INFO
Pay through your smartphone camera at BKT POS!
You just need to have BKT Smart and the payments become easier than never.
MORE INFO
01
Personal Super Loan
02
Home Loan
03
DEPOSITS
04
SMART PAY
05
WIN IPHONE 13
06
QR POS
Amount
0.0
Last Update : 20.08.2019 | Our digital channels have more preferential FX rates compared to the branches.
LOAN CALCULATORDEPOSIT CALCULATOR
AMOUNT
PERIOD
Month
INSTALLMENT

The calculated installment is an approximate one by taking into consideration the minimum interest rate for the product.

CALCULATE
MONTHLY PAYMENT
0
TOTAL PAYMENT
0
INTEREST (%)
0
APPLY FOR LOAN
INTEREST (%)
0
PERIOD (Month)
0
APPLY FOR LOAN
AMOUNT
PERIOD
Days
CALCULATE
INTEREST RATE (%)
0
TOTAL AMOUNT
0
!
01
auto loan offers
Win IPhone 13
Win an iPhone 13!
Perform as many transactions as possible through BKT Smart and be part of promotion activity and  "Win an iPhone 13".
LEARN MORE
02
auto loan offers
Use Prima Card
Use more. Get more.

Beside the bonus points you earn while shopping, each purchase you make in BKT POS can be free.
Prima Credit Card in your pocket is not only a payment tool, but your financier of all your buying wishes.

LEARN MORE
NEWS ON BKTANNOUNCEMENTS
Interview for Monitor Magazine of Mr. Seyhan Pencablıgil, Chief Executive Officer and Board Member of BKT.
Banka Kombëtare Tregtare is awarded from Global Finance as ‘’The best bank in Albania for year 2023’’
JCR Eurasia Rating affirms BKT as ‘'AAA (Alb)''
Safety Advices
National Commercial Bank reports increased net profit for the first quarter of year 2022
Achievement Awards from Finance Central Europe for 2022
EMEA FINANCE AWARDS BKT FOR TWELFTH TIME AS “BEST BANK IN ALBANIA”
BKT “BEST BANK IN ALBANIA FOR 2022” – GLOBAL FINANCE
BANKA KOMBËTARE TREGTARE SUPPORTS MONEY WEEK 2022
BKT PARTICIPATED IN THE EXHIBITION "I HAVE A DREAM” – UN WOMEN
"THE BANK OF THE YEAR IN ALBANIA FOR 2021” - THE BANKER
JCR Eurasia Rating affirms BKT as ‘AAA (Alb)
AFSA APPROVES BKT SMART INVEST PLATFORM
The Best Bank in Albania for 2021 - Global Finance
Inauguration ceremony of the kindergarten for the children of the bank staff
Anti-Covid-19 vaccination campaign!
Cooperation Agreement: BKT –Faculty of Economic, University of Tirana
EMEA FINANCE AWARDS BKT FOR TENTH TIME AS “BEST BANK IN ALBANIA”
BKT has been awarded the Best Buy medal
ASD - BKT
THE BANKER AWARDS BKT AS "THE BANK OF THE YEAR IN ALBANIA FOR 2020” – FOR THE ELEVENTH TIME
JCR Eurasia Rating reaffirms BKT as ‘AAA (Alb)'
Achievement Awards from Finance Central Europe for 2020
Global Finance magazine awards BKT as “The Best Bank in Albania for 2020”
Order of the Rising Sun
BKT Hosted Albania Roundtable in the Euromoney Central & Eastern European Forum
Achievement Awards from Finance Central Europe
Best Bank In Albania for 2019 - The Banker
JCR Eurasia Rating reaffirms BKT as ‘AAA (Alb) for Corporate Governance
AAA (Alb) rating - by JCR Eurasia Rating
"Best Bank In Albania" - Euromoney
The Best Bank in Albania for 2018 - by “ EMEA Finance"
"Bank of the Year In Albania For 2019" - Global Finance
Tirana, Albania (February 15, 2019)
Best Bank In Albania - The Banker
AAA (Alb) rating - by JCR Eurasia Rating
Aleksandër Moisiu" University Durrës (UAMD) organized the graduation ceremony of the students of the Faculty of Integrated Studies with Practice (FASTIP)
AAA (Alb) rating - by JCR Eurasia Rating
The Best Bank in Albania for 2017 - by “ EMEA Finance"
Banka Kombëtare Tregtare Supports the "Green Revolution" Initiative of Tirana Municipality
BKT - Participates In "Work & Study" Fair, 2018
Albanian Deposit Insurance Agency Selects Banka Kombëtare Tregtare as the First Agent Bank In the Preliminary List for the Deposit Compensation Process
BKT Hosted Albania Roundtable IN the Euromoney Central & Eastern European Forum
The Best Bank in Albania for 2017 – by The Banker
FASTIP Graduation Ceremony
The Best Bank in Albania for 2017 – by “Euromoney"
The Best Bank in Albania for 2016 - by “ EMEA Finance"
JCR Eurasia Rating reaffirms AAA (Alb) to BKT for the ninth time in a row
BKT - Participant In Work & Study Fair, 2017
Banka Kombëtare Tregtare (BKT) organized the inauguration ceremony of its newest branch “Dega Çorovodë”.
BKT - Participated At Labor Fair, 2017
Turkey-Albania Agricultural Business Forum
Global Money Week
BKT Hosted Albania Roundtable IN the Euromoney Central & Eastern European Forum
FASTIP Graduation Ceremony
The Banker Awards BKT as the Best Bank In Albania for the Seventh Time
JCR Eurasia Rating assigns AAA (Alb) to BKT for Corporate Governance
Banka Kombëtare Tregtare attended in Work & Study Fair 2016
The Best Bank in Albania for 2016 – by “Euromoney"
AAA (Alb) rating by - JCR Eurasia Rating
BKT has organized a meeting with agribusiness representative
Emea Finance Awards BKT as the Best Bank In Albania for the Sixth Time
BKT Supports Construction Sector
Pakistani Ambassador Riyaz Inaugurates the Honorary Consulate of the Islamic Republic of Pakistan In Albania
Albania Was Presented In the Euromoney Central & Eastern European Forum
BKT Celebrates Its 90th Anniversary With "The Best Bank In Albania" Award Received for the Sixth Time By "The Banker"
BKT renews the ISO 9001:2008 certificate
BKT renews the ISO 9001:2008 certificate
BKT Annual Report 2014 receives two ARC awards from MERCOMM Inc.
BKT Annual Report 2014 receives two ARC awards from MERCOMM Inc.
AAA (Alb) rating by- JCR Eurasia Rating for Corporate Governance for the second time in a row
JCR Eurasia Rating assigns AAA (Alb) to BKT for Corporate Governance
JCR Eurasia Rating assigns AAA (Alb) to BKT for Corporate Governance
AAA (Alb) rating by - JCR Eurasia Rating
BKT Receives Two Other Important Awards By Emea Finance
President of Çalik Holding honored by the Ministry of Social Welfare and Youth with the Social Solidarity Prize
"The Banker" Selects BKT as the Best Bank In Albania for the Fifth Time
JCR Eurasia Rating assigns AAA (Alb) to BKT for Corporate Governance
FASTIP Graduation Ceremony
Euromoney Recognizes BKT as "The Best Bank In Albania" for the Third Time In a Row
JCR Eurasia Rating reaffirms AAA (Alb) to BKT for the sixth time in a row
BKT Awarded as Bank of the Year 2013 By Emea Finance Magazine
"The Banker" Reaffirms BKT as "The Best Bank In Albania" for 2013
JCR Eurasia Rating confirms AA(Alb) evaluation to BKT for Corporate Governance
BKT Introduces the New Loan Guarantee Agreement signed between BKT and Municipality of Tirana
The Best Bank in Albania for 2013 – by “Euromoney”
BKT Awarded as Bank of Year 2012
BKT Offers New Crediting Opportunities for Business
STP Excellence Award – by Deutsche Bank
AAA (Alb) rating by- JCR Eurasia Rating for Corporate Governance for the second time in a row
BKT donates for the families of 50 students in Mustafa Kemal Ataturk school
BKT donates for the Roma in need
JCR Eurasia Rating assigns AA (Alb) to BKT for Corporate Governance
Cooperation Agreement: BKT –Faculty of Integrated Studies with Practice
BKT Launches New Products To Support Agrobusiness
The first generation of the students in Faculty of the Studies Integrated with Practice (FASTIP) was graduated on September 13, 2011.
BKT Awarded as "Best Bank in Albania for 2012" By Euromoney Magazine
BKT Supports Albanian Orphans
BKT Awarded as Bank of the Year 2011 By Emea Finance Magazine
World Savings Banks Institute (WSBI) elects new Board of Directors. First time an Albanian bank is on the Board
BKT Reawarded as Bank of Year 2011 By The Banker
BKT Celebrates Its 85th Anniversary of Vlora Branch Establishment
BKT Reawarded As Bank of Year 2010
BKT Organizes Foreign Trade Practices Seminar
BKT Keeps Creating Facilities To Its Clients
Bank of the Year
See All
Terms & Conditions
BKT supports financial education initiatives
BKT - PARTICIPATES IN THE LABOR AND SKILLS FAIR IN DURRËS 2022
May 25, 2022 Day Off for BKT Tirana Branches!
BKT – PARTICIPATES IN THE CAREER FAIR 2022 BY UNYT
BKT PARTICIPATING IN THE LABOR FAIR ORGANIZED BY THE FACULTY OF ECONOMICS
Announcement: Interest Rate Bulletin - Effective starting April 19, 2022
BKT - PARTICIPATES IN “WORK & STUDY” FAIR, 2022
Announcement for customers - New interest rate for current accounts in Euro and Dollar
International Women’s Day 2022: “Gender equality today for a sustainable tomorrow”
"ON THE FUNCTIONING OF THE AIPS EURO SYSTEM FOR PAYMENT OF DOMESTIC TRANSFERS TO CLIENTS IN EURO"
Day off for Durres Port agency
Concord and Kristal Branch working Hours 31.12.2021
Holiday BKT Branch - 30 November 2021
Relocation of BKT Kamza Branch
Saranda Branch closed 2-3 September 2021
BKT - Announcement for the clients
Banking System Ready to Use
Branch Working Hours August 4, 2021
Notice to customers on banking services
Core Banking System Technical Problem
Terms & conditions for Retail / Business
2021
Working hours at Kristal and Concord branches
Notice for system maintenance- 27.06.2021!
Notice for system maintenance!
Relocation of BKT Kashar Branch
Announcement for the clients
Announcement “ Merge of Çlirimi Branch with Shkodra Branch”
Announcement for “BKT Dega Qendrore”
Automatic Exchange of Information on Financial Accounts
Announcement regarding operational working hours at Concord and Kristal branches
Merging of Branches
Working hours in the branch at the Shopping Center!
Important Announcement - Working hours in the branch!
Yellow Protocol of Hygienic-Sanitary Measures Covid-19 for financial institutions
Announcement about the cost of money transfers performed online
Important Announcement - Updating regarding the working hours in the branch!
Important Announcement for retail and business loan customers
Customer Instructions to avoid further spread of COVID-19
Tirana, Albania (February 15, 2019)
Tirana, Albania (20 March 2019)
The Best Bank in Albania for 2017 – by The Banker
The Best Bank in Albania for 2017 - by “ EMEA Finance"
The Best Bank in Albania for 2017 – by “Euromoney"
AAA (Alb) rating - by JCR Eurasia Rating
See All
PROPERTIESPROCUREMENT PROCESSES
auto loan offers

Shkozet, Durrës

auto loan offers

Rruga “Sulejman Delvina”, Vlorë

auto loan offers

Ibë e Sipërme, Tiranë

auto loan offers

Virua, Gjirokastër

auto loan offers

Rruga “Niko Avrami”, Tiranë

auto loan offers

Lagja “9 Tetori”, Delvinë

auto loan offers

Kavajë

auto loan offers

Arapaj, Durrës

auto loan offers

Lagja “Demokracia”, Tepelenë

See All
Request for Information - High-Capacity ATM
Purchase of Penetration Tests Activities
Indoor and Outdoor Digital Printing and ATM Cover
UPS and Inverter Purchase
IronPort Web Security Appliance Support and Subscription Renewal Services
Purchase and installation of air-conditioning and ventilating system for Central Archive
Mail delivery of envelope cards to BKT customers and branches
Leased BGP IPv4 block and ASN number
Hardware Equipment’s Purchase
Renewal of Informaton Security Solutions (Vulnerability Management)-Tenable
License’s Renewal - Dual factor authentication endpoints NAC health checks for VPN users
Purchase of Desktop, Monitor, Laptop and Dot-matrix Printer
Fraud Management System
New vehicle purchase
Indoor / outdoor monitoring and production of promotional materials for the BKT branches
Jira Licenses and related Atlassian applications
HPE Support Renewal for Datacenters and Infrastructure
Extended Warranty and Support for Cisco and other Networking Equipment
Renewal of Maintenance Services for Database Security Solution
Purchase and installation of the Automatic Fire Extinguishing System in BKT premises near TIP, Kashar
Auto Insurance- TPL and KASKO for BKT Vehicles
ServiceDesk Support Renewal (ITAM)
Production and Purchase of Q-matic Paper
Production of Printed Materials
Daily Staff Transportation to BKT Head Office premises
Purchase and installation of Photovoltaic Panels in BKT Lunder and Kashar Premises
Professional Official Translations Service
Purchase and installation of Electrical Transformer in BKT premises near TIP, Kashar
Production of cards, envelopes and bags
Purchase of service for “Data Center Interconnections”
Purchase and installation of " Video Conference Units for Meeting Room"
Purchase and installation of " Network Cisco Equipment for New Data Center and Telephony"
Purchase and implementation of " HPE Servers and Tape Library Backup "
Purchase and implementation of “e-Procurement & Contract Management (e-PCM)”
Purchase and Implementation of “Digital Signature and e-KYC Solutions”.
See All
BKT GUIDE
How can I login to BKT Smart?
What is the interest I should pay if I take a home loan?
I need fast loan not more than 1 salary.
What is the interest if I invest in deposit?
I did forgot my card PIN do I have to pay for e new one?
How can I take a notification when my salary is credit in my account?
How can I apply for a credit card?
My user in BKT Smart is blocked how can I unblocked it?
What are the account information I should share to receive a transfer from outside?
How does payment with Instalment function?
See All
Search
Show ATM’sShow BranchesSee All