IKO 3.176.53

The latest version of the IKO mobile banking application is available for download free of charge, providing access to your PKO Bank Polski or Inteligo bank accounts. The application offers a quick and secure way to manage your finances from your smartphone at any time.

Activation of the IKO app unlocks a range of functional features:

Bank Accounts:

• Viewing account balances, transaction history, and details across all linked accounts
• Executing transfers to domestic accounts via Elixir or as instant transfers
• Performing transfers based on invoice data scans or QR codes within invoices
• Managing bank transfers via phone
• Transferring funds directly to Tax Office accounts
• Sending international wire transfers
• Setting up standing orders and recurring transfers
• Withdrawing cash from ATMs using BLIK codes
• Depositing cash at select ATMs into your or other IKO users’ accounts using BLIK codes
• Recharging prepaid mobile phones
• Sending transfer requests to other users
• Creating 'piggy banks' to allocate savings for specific goals
• Generating transfer confirmations
• Previewing pending, canceled, or rejected transactions
• Applying for new bank accounts (personal, savings, or foreign currency*) and overdraft facilities*

Cards:

• Accessing transaction history, card details, and images of debit and credit cards
• Managing card functions: activation, PIN assignment, limit adjustments, temporary freeze, restriction; optionally requesting a new card*
• Changing card images and managing multi-currency card services*
• Transferring credit from a credit card
• Repaying credit card debt
• Using credit cards as a payment method via BLIK online and in-store payments

Loans:

• Viewing loan schedules and details
• Applying for new loans*

Term Deposits:

• Accessing deposit details
• • Opening and closing term deposits

Insurance:

• Purchasing travel and vehicle insurance*

Payments:

• NFC contactless payments via phone**
• In-store payments using BLIK codes or checks
• Online payments with BLIK codes or checks; features include making payments without copying codes in trusted online stores and browsers (Shopping without the BLIK code)
• Create and share BLIK checks for payments or transfers

Additional Functionalities:

• Mobile authorization for secure access
• Purchasing public transportation tickets
• Paying parking fees
• "Join Our Cause": setting up standing orders for charitable donations
• Pushing notifications for account activity alerts
• Location services including background GPS tracking
• Currency exchange services*
• The application supports four languages: Polish, English, Russian, Ukrainian
• User interface customization: modifying main screen layout and product labels (accounts, deposits, loans)
• Saving and restoring personalized settings after reinstallation of the app
• Simplified activation by concurrently activating IKO and iPKO with the initial login password
• Fingerprint authentication on devices running Android 6.0 or higher with fingerprint reader support
• Addition of shortcut buttons to frequently used functions on the home screen
• Create and share QR codes containing transfer details across platforms
• Currencies exchange rates at your fingertips
• A map feature displaying PKO Bank Polski branches, ATMs, and stores supporting BLIK payments.

More information about IKO is available here.

Details on how to activate the IKO app can be found here.

* Availability may vary for Inteligo customers.

** Contactless NFC payments require a compatible phone with NFC functionality, Android 4.4 or higher, and a PKO Bank Polski or Inteligo debit or credit card. Contactless payments are not supported on rooted devices where manufacturer security measures have been altered.