FAQ

IKO is used to manage your account in PKO Bank Polski - including Inteligo - on your phone. IKO combines the features of mobile banking with the possibility of making BLIK mobile payments:

• check your account balance and transaction history
• order transfers between your own accounts, ordinary transfers and defined transfers without logging on to the electronic banking
• order mobile transfers without entering the account number of the recipient
• repay the credit card limit
• top up you prepaid phone
• start deposits
• make contactless payments by phone
• pay for purchases in traditional stores and online stores using the BLIK code
• order payments for municipal services in PKO Bank Polski bill payment machines
• withdraw money from ATMs using the BLIK code / BLIK voucher without using your card

see the IKO app features

The new version of IKO supports phones with iOS, Android, Huawei operating systems. Detailed information about the phone software versions is available in the technical requirements

No, IKO is only dedicated to mobile phones.

See a detailed description of IKO activation

Yes, it is possible to activate IKO on this type of phones. If you are using one of the SIM cards to access Internet, disconnect it and activate IKO connecting to the Internet (package data or wi-fi) via the main SIM card you are using to make voice calls. Once the app is activated, you can reinsert the Internet access SIM card and start using IKO.

IKO is free.

• Android - Google Play
• iOS - App Store
• Hueawei - AppGallery

IKO may be used by persons older than 13, who meet one of the following criteria:

• have an individual account in PKO Bank Polski / Inteligo
• PKO Konto Pierwsze
• PKO Konto dla Młodych
• PKO Konto za Zero
• PKO Konto bez Granic
• SUPERKONTO Oszczędne
• PKO Konto Pogodne
• Konto Aurum
• Konto Platinium II
• SUPERKONTO z IKO
• Konto Rodzica
• Superkonto contracts concluded by 13.03.2011
• Superkonto Graffiti
• Superkonto Student
• Złote Konto
• Platinium
• Konto Codzienne Adm.
• Konto Ulubione Adm.
• Konto Spektrum Adm.
• Personal account in Inteligo
• have a corporate account Biznes Partner in PKO Bank Polski or business account in Inteligo, and are a single-person business entity or are self-employed.

No, IKO is available to customers of all national mobile operators.

No, the application is only available for Polish SIM cards (prefix +48).

Yes, persons aged 13-18 years may use IKO, linking it to a PKO Konto Pierwsze account.

IKO may be used to pay in traditional retail outlets marked with the IKO or BLIK logo throughout Poland (find outlets on the map) and online, if among the payment options you see the IKO or BLIK logo or the logo of one of the payment aggregators: Dotpay, eCard, eService, Przelewy24, Transfer.pl and Blue Media. In addition, the application may be used to pay in PKO Bank Polski bill payment machines.

IKO can be used to pay in Poland (BLIK and mobile contactless payments) and abroad (mobile contactless payments).

Yes. Mobile transfers are possible IKO of PKO Bank Polski and Inteligo customers and applications of Millennium Bank, mBank, ING Bank Śląski, BZ WBK, Orange Finanse, T-Mobile Usługi Bankowe, Alior Bank. The transfer recipient needs to have his or her bank's application installed and the phone number registered in the BLIK system, which allows the verification of the recipient's application. If the receiver does not have an application in any of these banks and his or her phone number is not registered, PKO Bank Polski will send on your behalf a text message informing about a pending transfer (waiting time 7 days), along with a link to IKO. If the recipient installs and activates the application that supports mobile transfers and registers his or her phone, e.g. IKO, money will be transferred to the recipient. If not, they will be returned to your account. More about mobile transfers

A BLIK voucher is a unique 9-digit code for making offline mobile payments (i.e. without the need to launch IKO). It has nothing to do with a paper voucher. The voucher created in IKO can be used to pay in traditional shops and online stores and withdraw money from ATMs without connecting to the Internet and without the use of a payment card. The voucher may be transferred (e.g. by e-mail or text message) to another person who is not a IKO user. Any use of the BLIK voucher requires confirmation with the password for vouchers that can be set in the iPKO / Inteligo electronic banking. The password to vouchers should be made available also to the persons whom we give the voucher to.

It is not required to use the entire value of the BLIK voucher, the remaining amount is returned to the account of the person who created the voucher in IKO.

No. BLIK voucher is unique and becomes invalid after use. Another voucher is needed to complete another transaction. The IKO user can have up to 2 active vouchers.

In this situation the unused part of the amount of the BLIK voucher will be returned to the account of the person who created the voucher in IKO.

From September 29, 2021, you can have a maximum of 2 active BLIK vouchers at the same time.

Yes, they will be visible in the account history both in IKO and electronic banking.

You can have assigned one account in PKO Bank Polski or one account in Inteligo at the same time to one phone number. The application does not support multiple accounts at the same time. If you want to change the account assigned to your phone number, change the settings in IKO tab in iPKO / Inteligo electronic banking and activate your IKO again.

Each of the joint owners can activate IKO for a shared account in PKO Bank Polski / Inteligo, and each activation must be carried out on another phone number.

Due the fact that each of the phone numbers will be linked to the same account, co-owners will not be able to make mobile transfer between each other.

• Replacing the SIM Card with a duplicate (the phone number stays the same): no need to download IKO again
• A new SIM card with a new phone number: IKO must be activated again.
• Existing SIM card in a new phone: If you replaced the SIM card to another phone, you must download IKO and link it to  your phone number

If you change the phone number you must uninstall IKO from your phone and cancel it in iPKO / Inteligo Internet banking. Then you need to re-install IKO and go through the activation process of Internet banking by entering a new phone number.

The fee for cash withdrawals in Euronet ATMs is charged in accordance with the valid tariff of fees and commissions. The Bank may apply a temporary promotion relating to the amount of fees.

The fee for cash withdrawals in ATMs is charged in accordance with the valid tariff of fees and commissions. The Bank may apply a temporary promotion relating to the amount of fees.

No. BLIK is not a mobile app, but a mobile payment system which will be available in IKO application as BLIK codes and BLIK vouchers.

No. BLIK is not a mobile app, but a mobile payment system which will be available in IKO application as BLIK codes and BLIK vouchers. If you have the latest version of IKO, only the names will change:

• for payments and cash withdrawals in ATM, IKO will give you a 6-digit BLIK code instead of “IKO code”,
• the name of the online payment "Pay with IKO" changes to "Pay with BLIK",
• Payments and cash withdrawals in ATMs can be made in places marked both with IKO and BLIK.

You can use both applications at the same time and the two applications will support the full functionality offered.

Yes, if you have the current version of IKO, you will be able to pay by BLIK code / BLIK voucher from IKO in retail and service outlets bearing both the IKO and BLIK logo.

The holder of the current version of IKO will be able to make transactions using the BLIK code / BLIK voucher from IKO in retail and service outlets bearing both the IKO and BLIK logo and withdraw cash from all ATMs supporting IKO/BLIK.

At present, BLIK transactions are accepted by several thousand entities - the locator of retail and service outlets accepting BLIK payments s available in IKO. In addition, BLIK code / BLIK voucher cash withdrawals will be implemented in over 15,000 ATMs supporting withdrawals without a card, belonging to the following networks:

• PKO Bank Polski;
• Alior Bank (Euronet ATMs placed inside bank branches);
• Bank Millennium;
• Bank Zachodni WBK;
• Credit Agricole Bank Polska (Euronet ATMs placed inside bank branches);
• Euronet;
• Getin Bank (Euronet ATMs placed inside bank branches);
• Idea Bank (Euronet ATMs placed inside bank branches);
• ING Bank Śląski;
• mBank (Euronet ATMs placed inside bank branches);

BLIK will be available for mobile phones that support the latest IKO, because it is one of the features of IKO - see the technical requirements of IKO

Customers of the former Nordea Bank Polska, who joined the ranks of PKO Bank Polski customers can use IKO with BLIK.

Complaints relating to BLIK transactions made through IKO will be accepted by PKO Bank Polski, while customer of other banks should submit their complaints to their respective banks about problems arising from the use of their applications -  more information about handling of complaints in PKO Bank Polski

Yes. But if the transfer recipient does not have an application that supports BLIK interbank transfers or his/her number is not registered as the default one to receive mobile transfers, he/she will receive a text message with a link to the site where IKO can be downloaded and containing a message that a money transfer is awaiting. If the recipient downloads IKO and activates it, funds will be transferred to his/her account. If not, the money will be returned to the account of the originator after 7 days from sending the transfer.

The mobile transfer is implemented immediately and does not depend on the Elixir session.

Yes, PKO Bank Polski (including Inteligo) customers, who have the active IKO, will be able to withdraw cash using BLIK codes and vouchers from IKO in ATMs supporting withdrawals without card:

• PKO Bank Polski;
• Alior Bank (Euronet ATMs placed inside bank branches);
• Bank Millennium;
• Bank Zachodni WBK;
• Credit Agricole Bank Polska (Euronet ATMs placed inside bank branches);
• Euronet;
• Getin Bank (Euronet ATMs placed inside bank branches);
• Idea Bank (Euronet ATMs placed inside bank branches);
• ING Bank Śląski;
• mBank (Euronet ATMs placed inside bank branches);

List of ATM which support BLIK withdrawals

Some operations carried out through BLIK are subject to commissions specified in the Tariff of bank fees and commissions. The fees vary depending on the type of account you have. Fees may be charged for example on withdrawals of cash from the ATM using the BLIK code or BLIK voucher or on transfer orders.

You must have a phone with Android version 4.4 or higher and supporting the NFC feature. Contactless payments in IKO do not work on phones with other operating systems.

To start making contactless payments by phone, you only need to have:

• active IKO
• telephone with Android version 4.4 with NFC
• a Visa or Mastercard debit or credit card in PKO Bank Polski (Inteligo) for retail customers
• enabled “Contactless payments” in IKO

Note: there is no need to have a special SIM card to make NFC payments.

More about mobile contactless payments in IKO

To make mobile contactless payments, check if you have an active NFC on your phone. If not, enable it in the phone settings. In addition, in phone settings open the NFC management module (on some phones it is called "Tap and pay") and set the priority of contactless payments for application IKO.

No, it is enough to have this feature enabled while making payments.

Before you put your phone to the payment card reader, make sure that

• you have NFC enabled on your phone,
• you don’t have in your phone case any payment cards, proximity sticker, chip card (for instance garage or office access card).

If during the contactless payment with IKO the terminal displays the message "Approach only one card", "Reading error, use another card", "Try again", "Use another card", "Use another reader”, bring the phone slowly again to the terminal (no sudden moves) and wait for the beep of the reader. If you continue to experience errors, contact the Bank.

If you are using another mobile application for contactless payments, you can also use the IKO contactless payments feature. Then enter the phone settings, open the NFC management module (on some phones it is called "Tap and pay") and set the contactless payments priority for IKO.

The situation when the NFC on your phone is enabled, but you are not logged in to IKO,

• Hold the phone to the reader. Mobile contactless payments up to PLN 50 are possible without PIN.
• With payments above PLN 50 you must be logged on to the IKO and re-hover your phone above the reader.
• The payment does not need Internet access.

The situation when the NFC on your phone is enabled and you are logged in to IKO (you are connected to the Internet), bring the phone to the terminal.

• After logging into IKO you can make contactless payments without PIN up to the limit of available funds on the account for 15 seconds following the login. The NFC icon in the application is green.
• After 15 seconds the contactless payments icon changes to blue and operations above PLN 50 require a PIN.
• You can carry out contactless payments up to PLN 50 without PIN.

Yes, if you want to make mobile contactless payments, remove the sticker from the phone. The last 4 digits of the card number, visible on the confirmation of contactless payment made by phone, are different from my card number. On the confirmation of contactless payment made by phone, we do not present the four last four digits of the card number - the string of digits is a dedicated number assigned to the payment card you used as a source for contactless payments by phone. If you return the the goods and the seller will want to reimburse money on the card you used to make payment, you have to give them (despite the different digits on the confirmation) a plastic payment card.

If you have IKO, you can pay with BLIK at the locations marked with the BLIK logo and on the Internet, provided that the online store has enabled BLIK or Pay the iPKO features. Note that the operations can be carried out only in Polish shops.

More about BLIK payments in traditional stores

More about BLIK payments on the Internet

If you have activated the contactless payments in IKO, you can pay with your phone bringing it to any terminal around the world that accepts contactless payments with Visa or Mastercard cards.

More about NFC contactless payments in IKO

On the confirmation of contactless payment made by phone, we do not present the four last four digits of the card number - the string of digits is a dedicated number assigned to the payment card you used as a source for contactless payments by phone. If you return the the goods and the seller will want to reimburse money on the card you used to make payment, you have to give them (despite the different digits on the confirmation) a plastic payment card.

If you have IKO, you can pay with BLIK at the locations marked with the BLIK logo and on the Internet, provided that the online store has enabled BLIK or Pay the iPKO features. Note that the operations can be carried out only in Polish shops.

More about BLIK payments in traditional stores

More about BLIK payments on the Internet

If you have activated the contactless payments in IKO, you can pay with your phone bringing it to any terminal around the world that accepts contactless payments with Visa or Mastercard cards.

More about NFC contactless payments in IKO