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IKO

Publisher: PKO Bank Polski SA
Price: Free
Rating:

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App Description

Download the latest version of the free IKO application (electronic banking service) and use your bank account at PKO Bank Polski or Inteligo. The IKO app on your phone means fast and secure finances any day.

Activate the IKO app and take avail of the available functionalities:

BANK ACCOUNTS:
- account balance, history and details of all bank accounts,
- transfer to any domestic account number via Elixir or as an instant transfer,
- transfer based on data scanned from an invoice or from a QR code in an invoice,
- bank transfer by phone,
- bank transfer to Tax Office,
- foreign transfer,
- standing orders and a series of transfers,
- cash withdrawals from ATMs using the BLIK code,
- cash deposits (at selected ATMs) to your own or another IKO user’s bank account using the BLIK code,
- pre-paid phone top-ups,
- send a transfer request to another user,
- “piggy banks” to set money aside for any purpose,
- generate transfer confirmations,
- preview of unexecuted transactions (pending and canceled/rejected),
- applying for: a bank account (personal, savings and foreign currency*), an account overdraft*.

CARDS:
- history, details and images of your debit and credit cards,
- card management: activation, PIN assignment, change limits, temporary card freeze, restricting the card (with the option of getting a new one*), a change of card image,
- multi-currency card service*,
- transfer from a credit card,
- repay utilized credit card limit,
- credit card as a payments source for BLIK online & in-store payments.

LOANS:
- schedule and details of borrowings,
- apply for a loan*.

TERM DEPOSITS:
- details of term deposits,
- open and terminate term deposits.

INSURANCE:
- purchase travel and vehicle insurance*.

PAYMENTS:
- contactless payments by phone with NFC**,
- in store payments using the BLIK code/check,
- online payments with the BLIK code/check, also without copying the code in trusted online stores and browsers (Shopping without the BLIK code),
- create and share BLIK checks.

ADDITIONAL FUNCTIONALITIES:
- mobile authorization,
- public transport tickets,
- parking fee,
- "Join our cause": standing orders for charitable purposes,
- push notifications,
- localisation (also in the background)
- currency exchange*,
- 4 languages: Polish, English, Russian, Ukrainian,
- IKO personalization: change the main screen view and product names (accounts, deposits, loans),
- save and restore personalized application settings after re-installing IKO,
- option to simultaneously activate IKO and iPKO using the first login password,
- fingerprint login (Android 6.0 and a fingerprint reader required),
- shortcut button to favorite functions on the home screen,
- receive Western Union transfers,
- create and share QR codes with transfer details,
- currency exchange rates,
- map of PKO Bank Polski branches, ATMs and stores supporting BLIK payments.

For more on IKO go to iko.pkobp.pl/iko_en
For more on IKO activation go to iko.pkobp.pl/iko_en/activation

* Not available for Inteligo customers.
** Contactless payments are available for phones with NFC and minimum Android 4.4 to individual customers with a PKO Bank Polski, including Inteligo, debit or credit card. Contactless payments are not available on the so-called “rooted" devices, i.e. those on which manufacturer's security has been removed.

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App Reviews and Ratings

Find out what users think of IKO by reading the reviews and checking the rating.

4.8

446260 ratings

Po ostatniej aktualizacji apka crashuje od razu po uruchomieniu i nie da rady w zaden sposob jej wlaczyc

May 12, 2021

Działa, wkońcu jest tryb ciemny.

May 12, 2021

Aplikacja każe ją zaktualizować mimo braku dostępnych aktualizacji i nie jestem w stanie z niej korzystać

May 10, 2021

Great application, easy to install

May 10, 2021

Hi. I just opened an account with your bank and downloaded the app but I can't use the exchange rate option. I want to convert Euro to PLN but it keeps showing me that I have insufficient funds whereas the fund is showing there. But when I convert it from PLN to Euro, it does the opposite, how do I rectify this issue. Also I would like to apply for ATM card. Thanks

May 10, 2021

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