750K reviews
Content rating
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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,
- 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
Apr 18, 2024

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
App activity
Data is encrypted in transit

Ratings and reviews

746K 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.
12 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!
Anton Kazlouski
February 28, 2024
The app looks good, but there are a lot of weird and quirk decisions that makes overall experience bad. For instance, it happened to me many times that copy/paste is blocked for no particular reason. Why would you block copying text from a notification?.. UP: Got response that blocking screenshot is a security measure. Which I understand. I wasn't mentioning screenshots anyhow but copying text.
5 people found this review helpful
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PKO Bank Polski SA
February 28, 2024
Panie Antoni, blokowanie możliwości robienia skrinów, wynika ze względów bezpieczeństwa - prosimy o zrozumienie.
March 23, 2024
When funds are received on the card, the bank position is blocked at intervals of 1 month. When I try to log in through the web page, it says that the data entered is incorrect, although this is not true. I have contacted oddział PKO three times already. They helped me unblock access three times. Now I've been blocked for the fourth time. No data was ever transferred to anyone anywhere. This happens systematically. This does not depend in any way on the limit it has not been exceeded.
1 person found this review helpful
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PKO Bank Polski SA
March 27, 2024
Jeśli ma Pan zablokowany dostęp do serwisu iPKO zapraszamy do kontaktu z naszym konsultantem na infolinii pod numerami 800 302 302 lub 81 535 60 60. Obsługę w języku angielskim mamy w dni robocze w godzinach 8:00-20:00.

What's new

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