So many needs and desires. One Super Loan.

Get a Super Loan at BKT and benefit from:

Financing of up to ALL 3,000,000
Repayment period of up to 10 years

No more office visit!

Pay your annual vehicle tax online in just a few minutes, directly through BKT Smart or the Internet Branch!

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Your home, closer than you think.

Get your home today with a mortgage loan from BKT, where for the first 3 to 7 years you pay interest only.

*Partial repayment in the system is only made on the installment date

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Deposit 24/7 quickly and easily!

Scan the QR code via BKT Smart and deposit instantly at any Smart ATM.

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Personal Super Loan

Vehicle Taxes

Home Loan

DEPOSIT WITH QR CODE AT ATM

Banka Kombëtare Tregtare - Ne jemi gjithmonë këtu

Amount

0.0

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

TOTAL PAYMENT

INTEREST (%)

APPLY FOR LOAN

INTEREST (%)

PERIOD (Month)

APPLY FOR LOAN

AMOUNT

PERIOD

Days

CALCULATE

INTEREST RATE (%)

TOTAL AMOUNT

Prize iPhone 16

Make transactions with a minimum value of 1,000 ALL on BKT Smart during the last 3 months and enter the draw for a chance to win an iPhone 16.

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Prize Bonus for you

Make cardless transactions at ATMs during the last 3 months and enter the draw for a chance to win a 15,000 ALL bonus.

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Prize Tablet

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Prize Laptop

Become a BKT online customer directly through BKT Smart during the last 3 months, complete at least one transaction with a minimum value of 1,000 ALL on BKT Smart, and enter the draw for a chance to win a Laptop.

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Digital Customer Onboarding

Become a BKT customer 100% online directly through BKT Smart. There’s no need to visit a branch, everything happens online, wherever you are.

LEARN MORE

Banka Kombëtare Tregtare is awarded from Global Finance as "The Best Bank in Albania for year 2026"

EMEA Finance awards BKT "Best Local Bank in Albania" for the fourteenth time

January 28 – International Data Protection Day

BKT hosted Albania roundtable "Albanian EU Accession: Is the Financial system ready?” In the Financial Times Central & Eastern European forum

JCR Eurasia Rating, has evaluated consolidated structure of “Banka Kombetare Tregtare Sh.A.” in the investment-level category with highest credit quality

Banka Kombëtare Tregtare SH.A. Rated 'BB-/B'; Outlook Stable from S&P Global Ratings

BKT inaugurates the renovated and restored branch in Korçë – Tradition and innovation in customer service on the bank’s 100th anniversary

Interview Monitor, Mr. Seyhan Pencabligil, September 2025

Official Statement from Banka Kombëtare Tregtare

Interview for Monitor Magazine, April 2025 with Mr. Seyhan Pencabligil, Chief Executive Officer and Board Member of BKT

Banka Kombëtare Tregtare is awarded from Global Finance as ‘’The Best Bank in Albania for year 2025’’

BKT CEE 2025 - Panel discussion led by Mr. Seyhan Pencabligil

JCR Eurasia Rating, has evaluated the consolidated structure of “Banka Kombetare Tregtare Sh.A.”

Banka Kombëtare Tregtare is awarded from Global Finance as ‘’The Best Bank in Albania for year 2024’’

Emea Finance awards Banka Kombëtare Tregtare for the 13th time with 4 important prizes

BKT celebrates the reopening of its historical branch in Durrës

JCR Eurasia Rating affirms BKT as ‘'AAA (Alb)''

Interview for Monitor magazine, September 2023 of Mr. Seyhan Pencabligil, Chief Executive Officer and Board Member of BKT

Banka Kombetare Tregtare signed a cooperation agreement with the British Embassy, co-sponsoring the "Chevening" scholarship program.

Interview for Monitor Magazine of Mr. Seyhan Pencabligil, 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 2022 for BKT and Mr. Seyhan Pencabligil CEO of the bank

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 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

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

Announcement for clients

Security tips

Terms & Conditions valid from March 17, 2026

Njoftim për Klientët

Announcement for clients

Important announcement

Announcement for clients

Terms & Conditions valid from October 07, 2025

Announcement for clients

Terms & Conditions valid from August 29, 2025

Announcement for clients

Announcement

Announcement for clients

Terms & Conditions valid from May 19, 2025

Announcement for clients

Terms & Conditions valid from March 24, 2025

''Ibrahim Rrugova" branch reallocation

Terms & Conditions valid from January 3, 2025

Announcement for clients

Terms & Conditions valid from November 8, 2024

Announcement for clients

Stacioni i Trenit Branch Reallocation

Terms & Conditions valid from September 18, 2024

Announcement for customers

Digital banking services announcement

Terms & Conditions valid from April 02, 2024

Announcement for customers

Terms & Conditions valid from February 23, 2024

Important announcement

Holiday BKT Branch – 27-28-29 November 2023

Terms & Conditions valid from December 06, 2023

Durrës Branch reallocation

Terms & Conditions for Retail / Business valid from September 20, 2023

''Qyteti i Nxënësve'' branch reallocation

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

Lagja “Apollonia”, Fier

Ngurëz e Vogël, Lushnje

Koplik, Malësi e Madhe

Budull, Krujë

Koplik

Fushe Mamurras

Shkozet, Durrës

Rruga “Kastriot”, Fier

Rruga “Saracëve”, Tiranë

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Banka Kombëtare Tregtare - Ne jemi gjithmonë këtu

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