FAQ

BLIK enables:

- payments in physical (including contactless transactions) and online stores,

- cash withdrawals and deposits at ATMs/cash deposit machines,

- instant BLIK transfers to mobile between customers of various banks,

- generation of BLIK cheques (9-digit code), used to make payments and withdraw cash from ATMs,

- sending a transfer request to settle accounts with friends even faster,

- recurring payments, which are used to pay cyclical liabilities such as charges for services in the subscription model or electricity or telephone bills.

BLIK can be used by anyone with a mobile application from one of the banks: Alior Bank, Bank Millennium, Santander Bank Polska, ING Bank Śląski, mBank, PKO Bank Polski, VeloBank, BNP Paribas, Credit Agricole, Bank Pekao S.A., Spółdzielcza Grupa Bankowa, Bank Polskiej Spółdzielczości S.A., Nest Bank, Bank Pocztowy, BOŚ Bank, Citi Handlowy, Bank Spółdzielczy w Brodnicy, Bank Spółdzielczy Rzemiosła w Krakowie and Krakowski Bank Spółdzielczy.

You need to download the mobile app of the bank where you have an account to your phone. Just check beforehand whether BLIK is avaliable at your bank.

BLIK works on all Android and iOS devices. You need an Internet connection (data package or Wi-Fi) to use BLIK.

Both BLIK and the banking application itself have a number of necessary safety features: first of all, the person downloading the bank app with BLIK has to be properly verified by the bank so that they can assign the downloaded application to their bank account. The verification method depends on the bank whose application is being downloaded – it can be e.g. a call from a bank employee, verification in mobile banking or a code sent via text message.

The second safety parameter is the application access mechanism – such as a PIN, fingerprint or password. Without them it is not be possible to access the bank app.

The code which is required to conduct the transaction is generated and centrally managed by Polski Standard Płatności, the operator of BLIK. This assures the uniqueness of a one-off code, which is assigned to the user and is valid for just 2 minutes. BLIK itself, as a service, does not store any user data that could be stolen, intercepted and used in another transaction.

A request to accept the payment that a users see in their mobile bank application is also an important safety mechanism: it contains transaction details – at least the amount and the recipient of the payment. ATM withdrawals, online transactions and payments in physical stores exceeding the amount of 50 PLN must be additionally confirmed by the user with a PIN code (unless the bank provides customers with the ability to manage such limits). Providing any data or physical contact between the payment tool (BLIK) and the terminal or ATM is not required.

The prices for using BLIK can be found in the table of fees and commissions of the bank whose application you are using.

You can use BLIK to make payments online, in physical stores and points of sale.
In online stores, BLIK usually appears as an option at the stage of choosing the payment method while shopping.
If BLIK does not appear as one of the payment methods, check to see if it is under the logo of the payment integrators.
Physical stores accepting BLIK are marked with a sticker with the BLIK logo. You can also ask the retailer if the store accepts payments using BLIK.

You can withdraw cash using BLIK at most ATMs in Poland. These are Santander Bank Polska’s, ING Bank Śląski’s, Bank Millennium’s, PKO Bank Polski’s, Bank BPS’ or Euronet’s, PlanetCash’s and IT Card’s ATMs.

Inform your bank immediately and block the application in electronic banking. If your phone allows you to wipe its contents remotely, we suggest you use this feature in order to preserve security of your data. Remember to secure your phone with a password or PIN code. If you lose it, this precaution you will reduce the risk of an unauthorized individual accessing your data.

Each bank provides the basic features, namely the BLIK code, which is used for making payments in online and physical stores and to withdraw cash from ATMs. The BLIK code always consists of six digits, but its placement in bank applications can vary slightly. The availability of features such as cash deposits, BLIK transfer to mobile and cheque generation depends on what the bank offers its customers. Likewise the limits on the quantity and amounts for BLIK transactions are set individually by the banks.

The appropriate institution is the bank whose application was used to perform the transaction. It is the bank that has all the information and details of the transaction, so only it can effectively handle complaints.

Applications of multiple banks can be installed and used on the same phone. The BLIK mobile transfer will be received to the bank account that is linked to your phone number.