Check if your bank supports BLIK. Then all you have to do is download and open your bank’s mobile app.

BLIK works on Android, iOS and Windows enabled smartphones. You’ll need an internet connection to use BLIK.

• BLIK payments and your bank’s app are protected in several ways: first, when downloading your BLIK-enabled bank’s app your bank will verify your account. Every bank verifies accounts in different ways – you may receive a call from a Call Center, you may be verified on your bank’s website or you may get a code via SMS.
• The next layer of security is your password to the banking app. Every app will ask you for a PIN, fingerprint or a password.
• The code required for BLIK transactions is generated and managed by the Polish Payment Standard, BLIK’s operator. Polish Payment Standard ensures that each single-use code is unique, and the code itself is only valid for 2 minutes. BLIK does not store any user data that could be stolen, intercepted or used in any other transaction.
• The payment confirmation request that the user sees in his app contains detailed transaction data. That ensures that the payer knows exactly how much they are spending for each transaction and to whom they are sending money. ATM withdrawals, online transactions and in-store payments over 50 PLN are also confirmed with a PIN code (however, certain banks do not require this verification). You don’t need to share any bank details or touch the ATM or payment terminal with your phone.

The costs of using BLIK can be found in the table of fees and commissions of each bank that we partner with.

You can pay with BLIK at POS terminals and online.

When shopping online, BLIK usually appears as a payment option during the checkout process.

If it doesn’t appear as one of the payment options, it will likely be an option with one of the payment integrators below:

Brick and mortar stores that support BLIK are marked with a BLIK logo, but you can always ask the store clerk if they accept BLIK.

You can withdraw cash using BLIK at most ATMs in Poland. ATMs from Santander Bank Polska, ING Bank Śląski, Bank Millennium, PKO Bank Polski all support BLIK. Euronet, PlanetCash, IT Card and BPS are also BLIK enabled.

ING Bank Śląski is currently the only bank that supports this feature.

You should inform your bank immediately and block access to the app from your bank’s website. If your phone allows you to wipe content remotely, you should do this to protect your data too. Remember to also secure your phone with a password or a PIN, which will greatly reduce the risk of unauthorized access to your data to a great extent.

Each bank utilizes the BLIK code which is used to pay online and in-store, and is also used for bank withdrawals. The BLIK code consists of six digits and this is invariable, but its in-app location may differ from bank-to-bank. Features such as cash deposits, sending money over the phone and generating checks vary in case of each bank. Banks also set different limits for the number of transactions each user can make with BLIK as well as for the amount of each transaction.

Which banking app will receive my BLIK phone number transfer?
Yes, it is possible to have various banking apps with BLIK on your phone. Phone number transfers will be directed to the account that was set as a default one for BLIK.

The sender will receive a notification from their bank indicating that the intended recipient is not registered. The sender’s bank will also suggest that it will notify the recipient about awaiting BLIK transfer.
To receive a transfer, the recipient should follow the bank’s instructions. In the event that the transaction is not completed in due time, the funds will be returned to the sender’s account. The sender may also contact the recipient of the transfer and ask them to register their phone number so that they can receive transfers.