IKO

PKO Bank Polski SA

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:

BANK ACCOUNTS:
- 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*.

CARDS:
- 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.

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

TERM DEPOSITS:
- details of term deposits,
- open and terminate term deposits.

INSURANCE:
- purchase travel and vehicle insurance*.

PAYMENTS:
- 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.

ADDITIONAL FUNCTIONALITIES:
- 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.

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.

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.

At least 10% of the application functionality isn't available , for example I have big banner 'order credit card' by clicking on this banner I have 'X' you can not order credit card. As a client I'm confused why I see this promotional banner for card and it does not work to me inside the app . Why then offering it ?

What's new

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.