IKO

Improvements and bug fixing

Improvements and bug fixing

More possibilities in IKO without an account
You can use the new features for your credit card: temporary blockage, restriction and PIN change

Even more possibilities in IKO without an account
You can use the new features for your credit card: temporary blockage, restriction and PIN change

Small improvements and bug fixing

Under the parent's watchful eye
You have all your child's products in one place, so that, for example, you can order transfers to accounts and cards faster.

New application and preview of details
Clients with seizures can conveniently submit an application for repayment and preview the details.

Find the nearest ATM or PKO branch.
In "Bank branches and ATMs", in the lower right corner of the map, we have added the "List of places", where you can display the places closest to you.

Easy access to a list of submitted instructions
In the Handling of your products section, you can check the status of your submitted instructions, complete or cancel an order, and download selected documents.

Easy access to a list of submitted instructions
In the Handling of your products section, you can check the status of your submitted instructions, complete or cancel an order, and download selected documents.

You can refresh the status of your accounts on the app's home screen. Just swipe the screen down.

Refresh your account status with just one simple move
You can refresh the status of your accounts on the app's home screen. Just swipe the screen down.

Refresh your account status with just one simple move
You can refresh the status of your accounts on the app's home screen. Just swipe the screen down.

Technical changes, improvements and bug fix

Technical changes, improvements and bug fix

Improvements and bug fix

Manage your apartment and house insurance more conveniently
You can more easily check your property insurance details with new tabs.

Let's chat together
At your request, the voice assistant will switch your conversation to a chat with our consultant.

Save your foreign payees more conveniently
Thanks to changes to the process of saving your payees, you will be able to order a foreign transfer faster.

Changes and improvements

New pre-login screen
Changes to the pre-login screen make it even more convenient to use the application

Better overview of company payments
You can now see the details of your debit and credit cards on your company profile in the app

Pay for parking on your car's device screen by connecting to the IKO application.

Do you send your money abroad?
Now it's even easier to transfer money abroad thanks to new screens and available features.

Someone looking over your shoulder when you make a payment with your phone?
Now you can also use the option to hide your account balance on the BLIK payment confirmation screens. In addition, when you hide your account balance, your phone will vibrate

Use your credit card dynamic CVV/CVC and pay without plastic.

Changes in contactless payments.

Hiding of the balance
Hide and display your product balances on the start screen or when paying for transport tickets

New insurance details
Check details about your motor insurance easier

New layout of currency exchange
Exchange currencies more efficiently

Hiding of the balance
Hide and display your product balances on the start screen or when paying for transport tickets

New insurance details
Check details about your motor insurance easier

New layout of currency exchange
Exchange currencies more efficiently

Hiding of the balance
Hide and display your product balances on the start screen or when paying for transport tickets

New insurance details
Check details about your motor insurance easier

New layout of currency exchange
Exchange currencies more efficiently

Hiding of the balance
Hide and display your product balances on the start screen or when paying for transport tickets

New insurance details
Check details about your motor insurance easier

New layout of currency exchange
Exchange currencies more efficiently

Hiding of the balance
Hide and display your product balances on the start screen or when paying for transport tickets

New insurance details
Check details about your motor insurance easier

New layout of currency exchange
Exchange currencies more efficiently

Technical changes

Improvements and bug fixes

Improvements and bug fixes

OPEN BANKING
Link accounts from selected banks in IKO - you will see your accounts in one place

OPEN BANKING
Link accounts from selected banks in IKO - you will see your accounts in one place

Fees and commissions for accounts and debit cards
In your product details you can go to the fee table

New application for a personal account
You can apply for an additional personal account in the Offer or My products - Accounts tab

Currency transfers
You can make currency transfers from and to an account in a currency other than PLN

Technical updates

Fees and commissions for accounts and debit cards
In your product details you can go to the fee table

New application for a personal account
You can apply for an additional personal account in the Offer or My products - Accounts tab

Currency transfers
You can make currency transfers from and to an account in a currency other than PLN

Questions to the bank
Now from the Contact section you can send us a message and check the history of conversations in one place.

Travel insurance for cards
If you have Visa Infinite or Mastercard Platinum credit card you can check the travel insurance policy details and report a claim in the application.

Questions to the bank
Now from the Contact section you can send us a message and check the history of conversations in one place.

Travel insurance for cards
If you have Visa Infinite or Mastercard Platinum credit card you can check the travel insurance policy details and report a claim in the application.

New debit and credit cards details.
Reconstruction of loans and credits section.
WCAG digital accessibility fixes.

New debit and credit cards details.
Reconstruction of loans and credits section.
WCAG digital accessibility fixes.

Service your credit
In the credit details, more functions are available now and required information is at hand.

Bug fix

Service your credit
In the credit details, more functions are available now and required information is at hand.

Service your credit
In the credit details, more functions are available now and required information is at hand.

You are given access to additional functions
In the ‘My Products’ menu, you can find ‘Services and purchases’, which may be useful on a daily basis. The offer will be gradually developed.

New possibilities in Recipients/Payees
Manage the list of tax recipients/payees.

Bug fixes

You are given access to additional functions
In the ‘My Products’ menu, you can find ‘Services and purchases’, which may be useful on a daily basis. The offer will be gradually developed.

New possibilities in Recipients/Payees
Manage the list of tax recipients/payees.

Favourite features on the Daily tile
You can freely change them and adjust the start screen to your needs.

Quicker access to Voice Assistant
You can find the Assistant in the lower right corner of the start screen.

Gold at hand
Now you can easily invest in the products of the Mint of Poland.

New possibilities in Recipients
Manage the list of foreign recipients.

Favourite features on the Daily tile
You can freely change them and adjust the start screen to your needs.

Quicker access to Voice Assistant
You can find the Assistant in the lower right corner of the start screen.

Gold at hand
Now you can easily invest in the products of the Mint of Poland.

New possibilities in Recipients
Manage the list of foreign recipients.

Details make the difference
In the account details, you will now find an extra tab, thanks to which everything that you need will be at hand and management of your account will become easier.

Scan and pay
Even faster now: hover over the QR code on the invoice, you do not have to take a photo.

History without any secrets
Transactions in the account history can be viewed with the use of debit and credit filters.

Bug fix.

Details make the difference
In the account details, you will now find an extra tab, thanks to which everything that you need will be at hand and management of your account will become easier.

Scan and pay
Even faster now: hover over the QR code on the invoice, you do not have to take a photo.

History without any secrets
Transactions in the account history can be viewed with the use of debit and credit filters.

Bug fix.

Details make the difference
In the account details, you will now find an extra tab, thanks to which everything that you need will be at hand and management of your account will become easier.

Scan and pay
Even faster now: hover over the QR code on the invoice, you do not have to take a photo.

History without any secrets
Transactions in the account history can be viewed with the use of debit and credit filters.

Details make the difference
In the account details, you will now find an extra tab, thanks to which everything that you need will be at hand and management of your account will become easier.

Scan and pay
Even faster now: hover over the QR code on the invoice, you do not have to take a photo.

History without any secrets
Transactions in the account history can be viewed with the use of debit and credit filters.

You will pay your bills faster and more conveniently
We have improved the invoice scanning feature. Go to Payments and try a new one Scan and pay.

You will decide what is more important to you
Private or company account? Choose what you want to know first after logging in. You can change the default profile in Settings.

Bug fix

You will pay your bills faster and more conveniently
We have improved the invoice scanning feature. Go to Payments and try a new one Scan and pay.

You will decide what is more important to you
Private or company account? Choose what you want to know first after logging in. You can change the default profile in Settings.

The ‘My Products’ tab is in the form of a list that makes access to favourite functions easier
In the ‘More’ tab you will see a new safety section that will remind you how to protect your finances
In Settings, you can update the identity document and the correspondence address
You can change the form of correspondence for the credit or investment products from paper to electronic one

Don’t you have an account in our bank?
Still, you can take a loan. The money will be transferred to a selected account.
Do you have a child?
You can open a PKO Konto dla Dziecka and order the PKO Junior card – in one go.
Are you servicing your business in IKO?
Now, you will find separate profiles for individual and business products and recipients of transfers on one list.

See the difference
We have changed the appearance of the recipient list in transfers and improved the readability of screens in the application.

Find the transaction
Find the recipient, sender, title of the transfer or the store where the payment was made.

Do you have the PKO Dom insurance?
Check the details, change its coverage or contact the consultant.

More opportunities for everybody
From now on, you can exchange currencies in our on-line currency exchange service in IKO without account, even if you have no account in PKO Bank Polski. You also have all your currency accounts at hand.

You can now see the instalments due
If you are repaying a motor insurance purchased in instalments, you will now see the entire schedule of instalments in IKO – with dates and amounts to be settled.

Bug fixes

More opportunities for everybody
From now on, you can exchange currencies in our on-line currency exchange service in IKO without account, even if you have no account in PKO Bank Polski. You also have all your currency accounts at hand.

You can now see the instalments due
If you are repaying a motor insurance purchased in instalments, you will now see the entire schedule of instalments in IKO – with dates and amounts to be settled.

Bug fixes

More opportunities for everybody
From now on, you can exchange currencies in our on-line currency exchange service in IKO without account, even if you have no account in PKO Bank Polski. You also have all your currency accounts at hand.

You can now see the instalments due
If you are repaying a motor insurance purchased in instalments, you will now see the entire schedule of instalments in IKO – with dates and amounts to be settled.

Bug fixes

More opportunities for everybody
From now on, you can exchange currencies in our on-line currency exchange service in IKO without account, even if you have no account in PKO Bank Polski. You also have all your currency accounts at hand.

You can now see the instalments due
If you are repaying a motor insurance purchased in instalments, you will now see the entire schedule of instalments in IKO – with dates and amounts to be settled.

Bug fixes

More opportunities for everybody
From now on, you can exchange currencies in our on-line currency exchange service in IKO without account, even if you have no account in PKO Bank Polski. You also have all your currency accounts at hand.

You can now see the instalments due
If you are repaying a motor insurance purchased in instalments, you will now see the entire schedule of instalments in IKO – with dates and amounts to be settled.

Bug fixes

More opportunities for everybody
From now on, you can exchange currencies in our on-line currency exchange service in IKO without account, even if you have no account in PKO Bank Polski. You also have all your currency accounts at hand.

You can now see the instalments due
If you are repaying a motor insurance purchased in instalments, you will now see the entire schedule of instalments in IKO – with dates and amounts to be settled.

Bug fixes

Travel further!
We added the option of paying for new highway sections. Now, as part of the e-TOLL system, you can pay for the transit on the A2 Konin – Łódź and the A4 Wrocław – Gliwice route.

Travel further!
We added the option of paying for new highway sections. Now, as part of the e-TOLL system, you can pay for the transit on the A2 Konin – Łódź and the A4 Wrocław – Gliwice route.

Travel further!
We added the option of paying for new highway sections. Now, as part of the e-TOLL system, you can pay for the transit on the A2 Konin – Łódź and the A4 Wrocław – Gliwice route.

Summing up of pending transactions
Presentation of a sum of transactions scheduled for processing.

Quicker access to products
New entry points to the application for a company account, a renewable limit and a consolidation loan.

Biometrics in IKO
Additional transactions in IKO which can be confirmed biometrically – public transport tickets, parking sites.

New look of "Insurance" section

Bug fixes

Summing up of pending transactions
Presentation of a sum of transactions scheduled for processing.

Quicker access to products
New entry points to the application for a company account, a renewable limit and a consolidation loan.

Biometrics in IKO
Additional transactions in IKO which can be confirmed biometrically – public transport tickets, parking sites.

New look of "Insurance" section

Summing up of pending transactions
Presentation of a sum of transactions scheduled for processing.

Quicker access to products
New entry points to the application for a company account, a renewable limit and a consolidation loan.

Biometrics in IKO
Additional transactions in IKO which can be confirmed biometrically – public transport tickets, parking sites.

Split Payment
Possibility of remembering transfer recipients and adding them from the list.

Biometrics in IKO - new
Additional IKO transactions that may be confirmed by biometrics; BLIK payments and telephone topping up.

Split Payment
Possibility of remembering transfer recipients and adding them from the list.

Biometrics in IKO - new
Additional IKO transactions that may be confirmed by biometrics; BLIK payments and telephone topping up.

Split Payment
Possibility of remembering transfer recipients and adding them from the list.

Biometrics in IKO - new
Additional IKO transactions that may be confirmed by biometrics; BLIK payments and telephone topping up.

BLIK contactless payments
You do not have to provide the BLIK code anymore - just hold your telephone near the terminal. You do not need coverage or access to the internet.

Bug fixing and improvements

NEW KEYBOARD

Cash deposit machines on the map in IKO
Choose More-> Bank Machines and Branches and search for a cash deposit machine of PKO Bank Polski

IKO without an Account
Access to the IKO application without the need to open an account at PKO Bank Polski

Access to PPK and PPE
Access to the register of Employee Capital Plans (PPK) or Employee Pension Schemes (PPE) in PKO TFI

Voice assistant
Cost analysis and savings summary

NEW KEYBOARD

Cash deposit machines on the map in IKO
Choose More-> Bank Machines and Branches and search for a cash deposit machine of PKO Bank Polski

IKO without an Account
Access to the IKO application without the need to open an account at PKO Bank Polski

Access to PPK and PPE
Access to the register of Employee Capital Plans (PPK) or Employee Pension Schemes (PPE) in PKO TFI

Voice assistant
Cost analysis and savings summary

Auto-saving
Standing orders - possibility of editing
Split payment
Auxiliary account for your company

Auto-saving
Standing orders - possibility of editing
Split payment
Auxiliary account for your company

Auto-saving
Standing orders - possibility of editing
Split payment
Auxiliary account for your company

Dark Mode
Decide if you want to use the IKO app in a dark or light mode. If you choose the automatic mode, the colours of the app will align with the settings of your telephone.

Dark Mode
Decide if you want to use the IKO app in a dark or light mode. If you choose the automatic mode, the colours of the app will align with the settings of your telephone.

Dark Mode
Decide if you want to use the IKO app in a dark or light mode. If you choose the automatic mode, the colours of the app will align with the settings of your telephone.

Marking BLIK Transfer Recipients in Contacts:
Turn on the new function and check on an ongoing basis who from your contact list receives BLIK phone transfers.

Mobile authentication - biometric confirmation of operations:
Are you using mobile authentication? If biometric functions are turned on in your telephone you can confirm some operations with biometrics, e.g. your fingerprint.

Parking fees - Turn on the localisation service in your telephone settings and avoid unnecessary parking fees. When we notice that you are no longer parked at the previously selected parking site, we will remind you to end the parking fee.

Small improvements and bug fixes.

Parking fees - additional improvement
Turn on the localisation service in your telephone settings and avoid unnecessary parking fees. When we notice that you are no longer parked at the previously selected parking site, we will remind you to end the parking fee.

Your contact data in the bank:
Now, you can change your e-mail address in IKO and enable or disable marketing consents.

New functions in Voice Assistant:
Change the card limit and instruct credit card repayment via Voice Assistant.

PKO Child insurance
Insure your child with just a few clicks in the IKO app

HIGHWAYS WITHOUT QUEUES TO THE TOLL GATES
The road toll will be debited automatically after exiting the highway

HIGHWAYS WITHOUT QUEUES TO THE TOLL GATES
The road toll will be debited automatically after exiting the highway

OPEN BANKING
Link accounts from selected banks in IKO - you will see your accounts in one place

APPLICATION FOR A BUSINESS ACCOUNT AND COMPANY REGISTRATION IN THE CEIDG (CENTRAL REGISTER AND INFORMATION ECONOMIC ACTIVITY)
All in one application, without any visits at offices

FRIENDLY LOGIN TO THE BANK'S WEBSITE
Setting and changing friendly login to iPKO website

CHANGE OF A CREDIT CARD IN PKO BANK POLSKI FOR ANOTHER ONE AS A PART OF THE ASSIGNED LIMIT

REVAMPED IKO APPEARANCE
New menu layout, refreshed icons of all services and functions оr quicker access to push notifications.

VOICE ASSISTANT
Make a transfer, check the balance of your account, search the history and top-up your telephone. At the present moment, the Assistant only speaks Polish.

VIDEO-VERIFICATION: AN ACCOUNT WITH SELFIE
Open an account in PKO Bank Polski and confirm your identity with the photo from your ID card and the photo of your face.

REVAMPED IKO APPEARANCE
New menu layout, refreshed icons of all services and functions оr quicker access to push notifications.

VOICE ASSISTANT
Make a transfer, check the balance of your account, search the history and top-up your telephone. At the present moment, the Assistant only speaks Polish.

VIDEO-VERIFICATION: AN ACCOUNT WITH SELFIE
Open an account in PKO Bank Polski and confirm your identity with the photo from your ID card and the photo of your face.

APPLICATION FOR A CARD TO ACCOUNT
Option to apply for a debit card or a sticker.
(Does not refer to Inteligo).

RESET THE PASSWORD TO IPKO WEBSITE AND TELEPHONE SERVICE

If you want to change the password or unblock access to iPKO or the telephone service, use the new function in the app settings.
(Does not refer to Inteligo).

Instruction to transfer salary (Menu -> Instructions and certificates)*
Recommend IKO app (Menu-> Recommend IKO)
Restoring mobile authorization (using the previous PIN)
Additional improvements for Xiaomi and Android 10 (transaction confirmation)

* Not available for Inteligo customers

Bug fixes & improvements

CHANGES IN TAX TRANSFER
From 01.01.2020 the existing tax office accounts will cease to operate nad taxpayers will use an individual tax accounts.
More details on www.podatki.gov.pl/mikrorachunek-podatkowy

PARKING FEE
Don't look for change and parking meters - pay for parking with IKO.
The service is provided by moBiLET - available in selected Polish cities.

- Split Payment in tax and ZUS transfers.
Function for companies that are VAT payers: in the selected types of transfers you will see an additional field with your VAT account.

- Biometric authentication* (Settings -> Fingerprint settings -> Biometric authentication)
Log in using specific device functions (depend on the version of the operating system and the phone model). Recommended for difficulties with in-display fingerprint sensors.

*Available from Android 9.0

Bug fixes & improvements

- Car insurance TPL, AC, accident, Car Assistance*
The coverage is the same for all 6 insurers available at the bank - you can easily compare offers
- Additional security measures associated with PSD2 directive:
History & notifications older than 90 days are only accessible in active applications
Masking of one-time passwords from authorization tools
- Minor bug fixes & improvements

* Not available for Inteligo customers.

- Public transport tickets: option to purchase a public transport ticket in the majority of Polish cities directly from IKO. The service is provided by moBiLET.
- Presentation of revolving limit on the start screen after logging in.
- Non-processed transactions visible for the credit card.
- Minor bug fixes & improvements

- Mobile authentication: confirmation of transactions made on-line and via hotline in IKO mobile app
- Application for foreign currency account with an option of activating currency exchange service and connecting multi-currency card conveniently*
- Mobile contactless payments bug fixes
- Minor bug fixes & improvements

* Not available for Inteligo customers.

- Change in the way of sending SMS in IKO activation process
- Minor bug fixes & improvements

- Change in the way of sending SMS in IKO activation process
- Minor bug fixes & improvements

-“Join our cause with IKO”: convenient standing orders for charitable purposes
- Notifications: a posssibility to hide it from the start screen and to secure it with your PIN
- Fingerprint login: hide/show on the start screen
- Minor bug fixes & improvements

- A redesign of the login screen
- Inbox accessible before logging in
- An application for a savings account
- Credit card as a payments source for BLIK online & in-store payments

- Changing debit card visual (Use context menu in debit card details to change card image)
- NFC payments bug fixes
- Improvments and customer's suggestions

- Push notifications about products' events. You can turn on push notifications in IKO settings (Menu > Settings > Push notifications)
- Minor bug fixes & improvements

- An application to open an account
- Restricting the card: now also for Inteligo customers
- Minor bug fixes & improvements

- Currency exchange*
- Multi-currency card service in the application*
- The information on the card fees
- Restricting the card with the option of getting a new one*
- Card activation

* Not available to Inteligo customers.

- New languages available: Ukrainian and Russian
- Autocompleting & searching for defined beneficiaries on the bank transfer form
- Mobile contactless payments improvements
- Redesign of Deposits section

- Make faster funds transfer by scanning an invoice.
- Debit and credit card pictures in the app.
- Save and restore your settings after reinstalling the app.
- Redesign of inbox.
- New method of mobile contactless payments confirmation - card's PIN on POS terminal.

Thank you for using IKO app!

Every update of our app includes essential fixes, performance & stability improvements. Make sure that you are using the latest IKO version, to ensure flawless service.

- preparation for new ZUS scheme (since 1st Jan 2018 via „Bank transfer” function only)
- crash fixes
- minor improvements

- Incomplete transfers preview
- Bug fixes & improvements

- Instant transfer (Express Elixir)
- Fast payments without BLIK code in trusted online shops & browsers
- Minor NFC payments bug fixes

- Credit card transfer
- Foreign transfer
- Minor bug fixes & improvements

Bug fixes and small improvements.

- Buy a loan or open a saving account by tapping circled button in applicable "My Bank" section > "Loans"/"Accounts".
- Small improvments in NFC payments with the IKO app.
- Bug fixes reported by customers.

- Buy travel insurance and view your insurance list in "My Bank" section,
- Minor bug fixes (eg. cases when the application kept loosing settings defined by the user).

- New loan process (for PKO Bank Polski retail customers).
- Standing orders (creating, deleting, additional payments).
- Multiple transfers.
- Possibility of blocking the amount of future dated transfers.
- New customers can set a password to the internet banking service during the IKO app activation.
- Bug fixes.

- You may apply for OVERDRAFT LIMIT (use context menu on an account details).
- You may apply for SAVING ACCOUNT (by tapping on an advertisement).
- You will find redesigned DEPOSITS OFFER.
- There are also small improvements and bug fixes.

Use for free a TEMPORARY CARD LOCK to block all the transactions made with your debit or credit card issued by PKO Bank Polski (including Inteligo).
Temporary card lock will block following payments: POS, online, ATM withdrawals, adding card to online wallet and contactless phone payments provided locked card is a payment source.
Locked cards can by unlocked at any time.

- NFC payments with the IKO app are available for both Mastercard and Visa card users (If you already pay contactless with your phone, log in to the IKO app, to make new transactions).
- Now you can pay taxes and social insurance contributions via the IKO app. You will find new features in "Payments" section.

- NFC payments with the IKO app are available for both Mastercard and Visa card users (If you already pay contactless with your phone, log in to the IKO app, to make new transactions).
- Now you can pay taxes and social insurance contributions via the IKO app. You will find new features in "Payments" section.

This update is necessary if you want to pay contactless with your phone. Other features are:
- new bottom
navigation bar,
- perform cash deposit into your or another user’s account. Select “Wpłata IKO” on ATM screen and
enter BLIK code,
- log in with your fingerprint (Android 6.0 and more),
- scan QR code on invoice to get
automatically all transfer details and send money faster,
- create your own QR code with transfer details to get
transfer quicker,
- small bug fixes.

This update is necessary if you want to pay contactless with your phone. Other features are:
- new bottom
navigation bar,
- perform cash deposit into your or another user’s account. Select “Wpłata IKO” on ATM screen and
enter BLIK code,
- log in with your fingerprint (Android 6.0 and more),
- scan QR code on invoice to get
automatically all transfer details and send money faster,
- create your own QR code with transfer details to get
transfer quicker,
- small bug fixes.

Explore IKOs features and switch between top-level views using new bottom navigation bar. There are new features
in the IKO app:
• perform cash deposit into your or another user’s account. Select “Wpłata IKO” on ATM screen and
enter BLIK code,
• log in with your fingerprint (Android 6.0 and more),
• scan QR code on invoice to get
automatically all transfer details and send money faster,
• create your own QR code with transfer details to get
transfer quicker.

Small improvements and bug fixes.

- Save money in smart virtual moneyboxes,
- Go to credit cards/debit cards details to change PIN or cards
limits,
- Generate operation confirmation and send it via instant messenger or e-mail,
- Copy to clipboard the
BLIK code by long-pressing the code,
- Browse your direct debits.
New version contains also bug fixes and
small improvements (especially for Android 6).

New version contains a few bug fixes, including contactless payments.

- new user interface and design,
- easier and shorter app activation process: you get your verification codes
by voice call or in internet banking service,
- balance information without logging in,
- smart limited access
to the IKO app: enter your login and password which you use to log to your internet banking service and you will get a
limited access to your account and other products without the app activation,
- short forms for new card, credit,
and other products,
- special offers.

Try out the IKO app! Manage your PKO Bank Polski/Inteligo account from your cell phone:

• see recent transactions and check your balance,
• view details of current accounts, saving accounts, cards, term deposits and loans,
• pay in traditional and online stores using only BLIK code from the IKO app,
• withdraw money from ATMs without a card,
• top up your cell phone balance,
• make transfers and finance your bills,
• make transfers to a mobile phone number without the need to enter an account,
• create BLIK vouchers that allow you to make payments in stores and withdraw money from ATMs without the need of having a phone with you (Internet connection is not necessary),
• find your nearest branch or cash machine where you can withdraw cash using the BLIK code.

To learn more about the IKO app, visit http://iko.pkobp.pl

Try out IKO application – safe and free mobile payments!
Get an access to your finances 24/7 and make transactions in faster and more intuitive way than ever!

With IKO you can:
• pay in traditional and online stores using only your mobile phone,
• withdraw money from ATMs without using a bank card,
• make transfers to any third party’s account, own transfers and transfers that have been defined
• make transfers to a mobile phone number without the need to enter an account, even if the receiver does not have IKO,
• get an access to the balance of your account and the transactional history,
• create vouchers that allow you to make payments in stores and withdraw money from ATMs without the need of having a phone with you (Internet connection is not necessary),
• find the nearest points of sale and ATMs where you can pay with your phone.

To learn more about the IKO application, visit http://iko.pkobp.pl

Try out IKO application – safe and free mobile payments!
Get an access to your finances 24/7 and make transactions in faster and more intuitive way than ever!

With IKO you can:
• pay in traditional and online stores using only your mobile phone,
• withdraw money from ATMs without using a bank card,
• make transfers to any third party’s account, own transfers and transfers that have been defined
• make transfers to a mobile phone number without the need to enter an account, even if the receiver does not have IKO,
• get an access to the balance of your account and the transactional history,
• create vouchers that allow you to make payments in stores and withdraw money from ATMs without the need of having a phone with you (Internet connection is not necessary),
• find the nearest points of sale and ATMs where you can pay with your phone.

To learn more about the IKO application, visit http://iko.pkobp.pl