epara

BKT Pay

About this app

Redefine your money management & spending experience with epara - designed to give you more benefits, more freedom and more control over your money.
With epara, virtual and physical cards enable effortless payments, free withdrawals, and automatic rewards.

Why choose epara?
• Get rewarded on every payment with epara cards.
• Withdraw with your physical card at any ATM in Albania without commission.
• 2 currencies, 1 card – Manage ALL & EUR balances in a single wallet with instant currency exchange.
• Receive money from friends & family from 200+ countries around the world with Ria in epara
• Secure payments, anywhere, anytime – Safe transactions online and in-store, powered by Mastercard.
• Track everything in one app – Monitor transactions, manage limits, stay in control 24/7.

Have a business? epara works for you too
Accept payments faster and easier with epara:
• Generate QR codes or payment links for instant transfers from your customers
• Track every transaction & give your team access tailored to their role
• Withdraw your earnings at BKT ATMs real time, with 0 commission

epara is perfect for:
• People who love earning rewards on daily payments
• Anyone who wants free ATM withdrawals across Albania
• Online shoppers and subscription users
• Businesses looking for modern, fast, and secure payment solutions
• Anyone who values commodity, speed, and control
epara – Your Free Digital Wallet | Powered by BKT
More rewards. More freedom. More control.

What’s new

User experience improvements and minor updates.