IKO

Editor's Review

The IKO app is your all-in-one solution for managing your finances with PKO Bank Polski and Inteligo. It brings a wide array of banking functionalities right to your smartphone, ensuring fast, secure, and convenient access to your accounts and services anytime, anywhere. 📱

Account Management: View your account balances, transaction history, and detailed information for all your bank accounts. Easily make transfers to any domestic account via Elixir or use instant transfers for immediate transactions. You can even scan invoices or QR codes for quick and accurate payments. 🧾

Flexible Transfers: Transfer funds by phone, to the Tax Office, or even make foreign transfers. Set up standing orders and manage a series of transfers effortlessly. The app also allows you to send transfer requests to other users and create “piggy banks” to save money for specific goals. 💰

Card Control: Manage your debit and credit cards with ease. Activate new cards, set or change PINs, adjust spending limits, and temporarily freeze or permanently restrict cards. If needed, you can even request a new card directly through the app. 💳

Loans and Deposits: Keep track of your loan schedules and details. Apply for new loans and manage your term deposits, including opening and terminating them as needed. 🏦

Insurance and Payments: Purchase travel and vehicle insurance directly through the app. Make contactless payments via NFC, pay in-store using BLIK codes, and shop online with BLIK without needing to copy codes in trusted stores. Create and share BLIK checks for added convenience. 🛡️

Extra Features: Enjoy additional functionalities such as mobile authorization, public transport ticket purchases, parking fee payments, and the option to set up standing orders for charitable causes. Stay informed with push notifications and customize the app in one of four languages: Polish, English, Russian, or Ukrainian. 🎫

Personalization: Personalize the IKO app to suit your preferences by changing the main screen view and renaming your accounts, deposits, and loans. You can also save and restore your personalized settings after reinstalling the app. 🎨

Convenient Access: Log in quickly with fingerprint authentication (available on Android 6.0 and newer devices with a fingerprint reader). Use shortcut buttons on the home screen for your favorite functions and create and share QR codes with transfer details. 🔑

Useful Information: Access currency exchange rates and find the nearest PKO Bank Polski branches, ATMs, and stores that support BLIK payments using the in-app map. 🗺️

Features

• Account balance, history, and details

• Domestic and foreign transfers

• BLIK code cash withdrawals and deposits

• Card management: activation, limits, freeze

• Loan and term deposit management

• Contactless payments via NFC

• Public transport tickets and parking fees

• Currency exchange

Pros

• Convenient mobile banking for PKO Bank Polski & Inteligo

• Wide range of banking operations available

• Secure transactions with mobile authorization

• Additional functionalities like public transport tickets

Cons

• Some features not available for Inteligo customers

• Contactless payments unavailable on rooted devices