IKO – PKO Bank Polski

PKO Bank Polski SA

About this app

IKO from PKO Bank Polski is a modern mobile banking. Don't have an account? Open a personal account in the IKO app in minutes, without leaving home. Do you have an account? Pay with BLIK, make instant transfers and enjoy full mobile banking. IKO is an application appreciated by customers and experts in Poland and worldwide.

Personal online account
- Open an account in the app or log in and manage your finances instantly

Mobile payments and BLIK
- Pay in shop and online with BLIK or contactless with your phone

Quick transfers
- Send domestic, international, instant and phone transfers in a few seconds

Manage your finances
- Check your balance, transaction history and control spending in one place
- Accumulate savings and manage investments

Security and notifications
- Log in with PIN, fingerprint or face (Face Unlock)
- Benefit from transaction notifications and mobile authorization of operations

Additional services
- Buy public transport tickets, pay for parking and motorway tolls
- Exchange currencies at the exchange office, buy insurance, phone top-ups and eSIM cards

Awards and distinctions
- The IKO application is appreciated by customers and experts in Poland and worldwide. It has won awards in, among others: International Banker Awards 2025, Mobile Trends Awards, Golden Banker 2025

What can you do in the IKO app?
- Open an account in minutes
- Send domestic, international, instant and mobile money transfers
- Pay with BLIK, contactless, online and by QR codes
- Manage cards, limits and savings accounts
- Buy tickets, pay for parking, use the exchange office and insurance
- Activate transaction notifications and use a map of ATMs and branches

Download the IKO app and use mobile banking conveniently and securely!

Ratings and reviews

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.

As soon as I installed the app on a different phone and login, it blocks the account and says I need to go to the bank to update data. It happened for the 3rd time in one year. Imagine, if it happens, that u lost your phone and bought a new one abroad, you get stuck without your money, as in my case they are forcing you to go to the branch, online service is not working.

Edit: Accessing the bank through online means is impossible for 5 months now. Activating the app with their SMS method doesn't work and logging in to ipko works neither, because they don't send OTP SMS. They do send promotional messages however, without any problem. Neither call center, nor branch workers know anything about this issue, and keep saying to check my signal. At the end I had to close my account at the branch and they charged me for moving my money to another account.

What’s new

The new version of the PKO Bank Polski mobile app

We have updated the home and login screens and added more customisation options. This allows you to tailor the layout of the products and shortcuts displayed on the screen to your needs even more precisely. The new font will improve readability and make the app more user-friendly.