Unlock the Full Potential of the IKO App: Your Comprehensive Guide

The IKO app is designed to streamline your banking experience, offering a plethora of functionalities that cater to your financial needs. Whether you want to manage your bank accounts, handle payments, or explore additional features, the IKO app has you covered. This article delves into the various functionalities available within the app, ensuring you make the most of its capabilities.

Manage Your Bank Accounts with Ease

The IKO app provides a user-friendly interface for managing all your bank accounts. Here’s what you can do:

• View Account Balances and History: Instantly check the balance, transaction history, and details of all your bank accounts.
• Seamless Transfers: Transfer funds to any domestic account using Elixir or opt for instant transfers.
• Scan and Pay: Make transfers by scanning invoices or QR codes for quick payments.
• Phone Transfers: Send money directly via phone.
• Tax Office Payments: Easily transfer funds to the Tax Office.
• International Transfers: Send money abroad with ease.
• Standing Orders: Set up recurring payments and manage a series of transfers effortlessly.
• BLIK Withdrawals: Withdraw cash from ATMs using the BLIK code.
• Cash Deposits: Deposit cash at selected ATMs to your own or another IKO user’s account using BLIK.
• Pre-Paid Phone Top-Ups: Recharge your phone directly through the app.
• Transfer Requests: Send transfer requests to other users easily.
• “Piggy Banks” Feature: Set aside money for specific goals.
• Transaction Confirmations: Generate confirmations for your transfers.
• Pending Transactions: Preview unexecuted transactions, including pending and canceled ones.
• Account Applications: Apply for personal, savings, and foreign currency accounts, as well as overdrafts.

Effortless Card Management

With the IKO app, managing your debit and credit cards is a breeze:

• Card History and Details: Access the history, details, and images of your cards.
• Card Management: Activate cards, assign PINs, change limits, temporarily freeze cards, and even restrict them with the option to request a new one.
• Multi-Currency Card Service: Enjoy the benefits of a multi-currency card for international transactions.
• Credit Card Transfers: Transfer funds directly from your credit card.
• Repay Credit Limits: Easily repay your utilized credit card limit.
• BLIK Payments: Use your credit card as a payment source for BLIK transactions both online and in-store.

Loan Management Made Simple

The IKO app simplifies the process of managing your loans:

• Loan Schedule and Details: Access a comprehensive schedule and details of your borrowings.
• Loan Applications: Apply for loans directly through the app.

Term Deposits at Your Fingertips

Managing your term deposits is straightforward with the IKO app:

• Deposit Details: View all details related to your term deposits.
• Open and Terminate Deposits: Easily open new term deposits or terminate existing ones.

Insurance Options for Peace of Mind

Protect yourself with insurance options available through the IKO app:

• Travel and Vehicle Insurance: Purchase travel and vehicle insurance directly from the app for added security.

Streamlined Payment Solutions

The IKO app offers a variety of payment options to suit your needs:

• Contactless Payments: Make contactless payments using your phone with NFC technology.
• In-Store Payments: Use the BLIK code for quick in-store transactions.
• Online Payments: Enjoy hassle-free online payments with the BLIK code, even without copying it in trusted online stores.
• BLIK Checks: Create and share BLIK checks for easy transactions.

Additional Features for Enhanced User Experience

The IKO app is packed with additional functionalities to enhance your banking experience:

• Mobile Authorization: Secure your transactions with mobile authorization.
• Public Transport Tickets: Purchase tickets for public transport directly through the app.
• Parking Fees: Pay for parking conveniently using the app.
• Charitable Donations: Set up standing orders for charitable purposes with the "Join our cause" feature.
• Push Notifications: Stay updated with real-time notifications.
• Localization: Access the app in multiple languages, including Polish, English, Russian, and Ukrainian.
• Personalization: Customize the main screen view and product names to suit your preferences.
• Settings Backup: Save and restore personalized application settings after reinstallation.
• Fingerprint Login: Use fingerprint authentication for quick access (Android 6.0 and above required).
• Shortcut Buttons: Create shortcut buttons for your favorite functions on the home screen.
• QR Code Sharing: Generate and share QR codes with transfer details.
• Currency Exchange Rates: Stay informed with real-time currency exchange rates.
• Branch and ATM Locator: Find PKO Bank Polski branches, ATMs, and stores that support BLIK payments.

For more information on the IKO app, visit <