IKO 3.176.53

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

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

Loans:
<ul>
<li>Viewing loan schedules and details</li>
<li>Applying for new loans*</li>
</ul>

Term Deposits:
<ul>
<li>Accessing deposit details</li>
<ul>
<li>Opening and closing term deposits</li>
</ul></ul>

Insurance:
<ul>
<li>Purchasing travel and vehicle insurance*</li>
</ul>

Payments:
<ul>
<li>NFC contactless payments via phone**</li>
<li>In-store payments using BLIK codes or checks</li>
<li>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)</li>
<li>Create and share BLIK checks for payments or transfers</li>
</ul>

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

<a href="https://iko.pkobp.pl/iko_en/">More information about IKO is available here.</a>

<a href="https://iko.pkobp.pl/iko_en/activation">Details on how to activate the IKO app can be found here.</a>

* 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.

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