Download the latest version of the free IKO application (electronic banking service) and get convenient phone access to 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,
- quick access to the account number,
- “piggy banks” to set money aside for any purpose,
- generate and share transfer confirmations,
- preview of unexecuted transactions (pending and canceled/rejected),
- applying for: a bank account, an account overdraft*, a savings account.

CARDS:
- history, details and images of your debit and credit cards,
- card management: change limits and assign PINs to cards, temporary card freeze, restricting the card (with the option of getting a new one*), card activation, a change of card image,
- multi-currency card service*,
- transfer from a credit card,
- repay utilized credit card limit,
- quick access to card number for repayment,
- 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:
- details of insurance held,
- purchase travel insurance.

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

ADDITIONAL FUNCTIONALITIES:
- Push notifications about products' events,
- Currency exchange*,
- IKO works in Polish, English, Russian and 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 (required by Android 6.0 and a fingerprint reader),
- shortcut button to favorite functions on the application's home screen,
- receive Western Union transfers,
- create and share QR codes with transfer details,
- option to send a new product inquiry to the bank,
- currency exchange rates,
- bank contact details,
- 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 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.

Recent changes:
- A redesign of the login screen
- Inbox accessible before logging in
- An application for a savings account
- Credit card as a payments source for BLIK online & in-store payments