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.

Ratings and reviews

Very useful. Everything is good. Should have also Tap to pay option to be used more in everyday life.

⭐️⭐️⭐️⭐️⭐️ So far, I’m very happy with this app. What I like most is that I can withdraw money from ATMs without any fees, make online payments, and pay bills like electricity and water without extra charges. I’ve been using it up to now and, honestly, I haven’t had any problems. It’s very convenient and saves you quite a bit on fees. I don’t know what it will be like in the future or if the conditions will change, but for now, I can say I’m very satisfied. Hopefully, it stays this way. 👍

Very frustrating experience and a complete waste of time. When I tried to withdraw money from the ATM using the physical card, it showed “wrong PIN” at the final step—even though I was already logged in with the same PIN. The ATM then kept my card due to the supposed incorrect PIN. I then attempted to withdraw all my funds through the app to my bank account, but my account didn’t appear in the menu, even after I had registered it. The app is a good idea, and I was excited to use it.

What’s new

Minor improvements