592K reviews
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About this app

Download the latest version of the free IKO application (electronic banking service) and use your bank account at PKO Bank Polski or Inteligo. The IKO app on your phone means fast and secure finances any day.

Activate the IKO app and take avail of the available functionalities:

- account balance, history and details of all bank accounts,
- transfer to any domestic account number via Elixir or as an instant transfer,
- transfer based on data scanned from an invoice or from a QR code in an invoice,
- bank transfer by phone,
- bank transfer to Tax Office,
- foreign transfer,
- standing orders and a series of transfers,
- cash withdrawals from ATMs using the BLIK code,
- cash deposits (at selected ATMs) to your own or another IKO user’s bank account using the BLIK code,
- pre-paid phone top-ups,
- send a transfer request to another user,
- “piggy banks” to set money aside for any purpose,
- generate transfer confirmations,
- preview of unexecuted transactions (pending and canceled/rejected),
- applying for: a bank account (personal, savings and foreign currency*), an account overdraft*.

- history, details and images of your debit and credit cards,
- card management: activation, PIN assignment, change limits, temporary card freeze, restricting the card (with the option of getting a new one*), a change of card image,
- multi-currency card service*,
- transfer from a credit card,
- repay utilized credit card limit,
- credit card as a payments source for BLIK online & in-store payments.

- schedule and details of borrowings,
- apply for a loan*.

- details of term deposits,
- open and terminate term deposits.

- purchase travel and vehicle insurance*.

- contactless payments by phone with NFC**,
- in store payments using the BLIK code/check,
- online payments with the BLIK code/check, also without copying the code in trusted online stores and browsers (Shopping without the BLIK code),
- create and share BLIK checks.

- mobile authorization,
- public transport tickets,
- parking fee,
- "Join our cause": standing orders for charitable purposes,
- push notifications,
- localisation (also in the background)
- currency exchange*,
- 4 languages: Polish, English, Russian, Ukrainian,
- IKO personalization: change the main screen view and product names (accounts, deposits, loans),
- save and restore personalized application settings after re-installing IKO,
- option to simultaneously activate IKO and iPKO using the first login password,
- fingerprint login (Android 6.0 and a fingerprint reader required),
- shortcut button to favorite functions on the home screen,
- receive Western Union transfers,
- create and share QR codes with transfer details,
- currency exchange rates,
- map of PKO Bank Polski branches, ATMs and stores supporting BLIK payments.

For more on IKO go to iko.pkobp.pl/iko_en
For more on IKO activation go to iko.pkobp.pl/iko_en/activation

* Not available for Inteligo customers.
** Contactless payments are available for phones with NFC and minimum Android 4.4 to individual customers with a PKO Bank Polski, including Inteligo, debit or credit card. Contactless payments are not available on the so-called “rooted" devices, i.e. those on which manufacturer's security has been removed.
Updated on
Dec 5, 2022

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
No data shared with third parties
Learn more about how developers declare sharing
This app may collect these data types
Device or other IDs
Data is encrypted in transit
Data can’t be deleted
592K reviews
Kris Toff
March 4, 2021
I tried to make 2 payments (small amounts) and used colon (:) as provided in both transaction descriptions. First one went okay but the second was blocked each time, even though I force send it like 25 times within a week while trying to get unsuccessful help from CS 3 times in the mean time. I speak polish fluently (native) so language barrier wasn't an issue. I removed that colon and transfer went through, wish someone would told me that. Also there's no way to chat or message CS from the app.
11 people found this review helpful
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PKO Bank Polski SA
May 5, 2021
Good morning, we are sorry about that. Please contact us at iko@pkobp.pl - we will try to help. Greetings!
Robert Koppelaar
November 8, 2022
Very user-friendly! But most likely recently got updated and now the scanning of QR code for transfer does not show. Is that functionality removed? I am using Android app. I received feedback that I should scan the QR code, but this does not work. In the previous version there were 2 scan options, 1.scan invoice (picture) and 2.scan QR code. This worked perfect. Can I get older version of app back?
2 people found this review helpful
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PKO Bank Polski SA
November 10, 2022
We do not have the opportunity to return to the old version, but we are constantly developing and improving our application. We are looking at ways to improve this tool.
Marek Krasnowski
October 11, 2022
Tried opening an account "with a selfie" on OnePlus 6T. The app is broken and cannot take a focused photo of the back of my ID in perfect conditions. Seems like for the front it doesn't work either but the app somehow processes this blurry image. It messes up auto-focus, possibly using the camera hardware directly. Epic fail.
2 people found this review helpful
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PKO Bank Polski SA
October 12, 2022
What exactly is the problem? Does any message appear and at what exact moment of payment?

What's new

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