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A complete list of IKO features
Activation of IKO is possible at any time. If you are a new customer, you can set your password to the iPKO Internet service during the activation of IKO.
Android iOS Accounts and transfers
viewing account details yes yes transaction history yes yes applying for overdraft limit yes (not applicable to Inteligo customers) yes (not applicable to Inteligo customers) applying for savings account yes yes transfer to own account yes yes transfer to another account yes (also as instant transfer)
yes (also as instant transfer)
ZUS transfer yes
yes tax transfer yes (also as instant transfer)
yes (also as instant transfer)
transfer to defined recipients yes yes foreign transfer yes yes mobile transfer yes yes credit card transfer yes (for retail customers) yes (for retail customers) transfer on the basis of invoice photo or QR code on an invoice "Scan and transfer" yes (invoice or OR code on an invoice) yes (invoice or OR code on an invoice) generating transfer confirmation in the application and sending it as PDF as an attachment yes yes displaying non-executed operations yes yes generating QR code with data for transfer yes yes transfer request yes yes mobile top-up yes yes list of defined recipients yes yes standing orders yes (viewing, adding, additional payments) yes (viewing, adding, additional payments) multiple transfer yes yes changing account names yes (not applicable to Inteligo customers) yes (not applicable to Inteligo customers) Payment
contactless payments by phone (NFC) yes (for retail and corporate customers) no BLIK code displaying current BLIK code / generating new BLIK code in IKO displaying current BLIK code / generating new BLIK code in IKO copying BLIK code to phone clipboard yes (by longer holding the BLIK code) yes (by longer holding the BLIK code) BLIK vouchers creating, displaying, storing and sending a BLIK voucher creating, displaying, storing and sending a BLIK voucher assigning PIN code to BLIK vouchers no (supported only in iPKO.pl) no (supported only in iPKO.pl) payments at retail and service outlets accepting BLIK using the BLIK code / BLIK voucher using the BLIK code / BLIK voucher payments in e-stores accepting BLIK using the BLIK code / BLIK voucher using the BLIK code / BLIK voucher payments in e-stores accepting BLIK - purchases without BLIK code yes yes cash withdrawal from ATM using IKO using the BLIK code / BLIK voucher using the BLIK code / BLIK voucher cash deposits in ATNs using IKO using the BLIK code using the BLIK code Debit and credit cards
viewing card details yes (for retail customers) yes (for retail customers) Information about the volume/number of non-cash payments to waive the fee yes (for retail customers) yes (for retail customers) card activation yes (for retail customers) yes (for retail customers) credit card transfer yes (for retail customers) yes (for retail customers) credit card limit repayment yes (for retail customers) yes (for retail customers) assigning/changing PIN of debit and credit cards yes yes changing the limit of debit and credit cards yes yes temporary card lock yes yes restricting the card yes (for retail customers) yes (for retail customers) change of debit card picture yes (for PKO Bank Polski retail customers) no applying for new credit card yes (for PKO Bank Polski retail customers) no change of credit card limit yes (for PKO Bank Polski retail customers) no Credits
viewing details and schedules of credits
yes (for retail customers)
yes (for retail customers) yes (for PKO Bank Polski retail customers)
yes (for PKO Bank Polski retail customers) renaming loans
yes (not applicable to Inteligo customers)
yes (not applicable to Inteligo customers) Deposits
opening deposits yes (for retail customers) yes (for retail customers) closing deposits yes (for retail customers) yes (for retail customers) viewing deposits details yes (for retail customers) yes (for retail customers) changing deposit names yes (not applicable to Inteligo customers) yes (not applicable to Inteligo customers) Insurance Viewing insurance list yes yes Buying travel insurance yes (not applicable to Inteligo customers) yes (not applicable to Inteligo customers) Buying vehicle insurance yes (not applicable to Inteligo customers) yes (not applicable to Inteligo customers) Other
log in PIN or fingerprint (on the selected phones) PIN or fingerprint (on the selected phones) 3D Touch no yes change the PIN to the application yes yes currency exchange rates yes yes currency exchange yes (not available for Inteligo clients) yes (not available for Inteligo clients) map PKO Bank Polski ATMs and branches, retail and service outlets accepting the IKO transactions using the BLIK payment PKO Bank Polski ATMs and branches, retail and service outlets accepting the IKO transactions using the BLIK payment public transport tickets yes yes payment for parking yes - contact details of the bank yes yes activation of IKO with selectable password to the Internet service
yes (not applicable to Inteligo customers) yes (not applicable to Inteligo customers) reset of the password to iPKO website and telephone service
yes (not applicable to Inteligo customers) yes (not applicable to Inteligo customers) yes yes Personalisation restoring settings - yes displaying the balance before logging in to IKO yes yes displaying BLIK code before logging into IKO yes yes re-arranging tiles on the main screen yes yes shortcut button possibility of setting shortcuts to preferred features on main screen possibility of setting shortcuts to preferred features on main screen language version Polish/English/Russian/Ukrainian Polish/English/Russian/Ukrainian