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Description of IKO

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:

- 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*.

- 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.

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

- details of term deposits,
- open and terminate term deposits.

- purchase travel and vehicle insurance*.

- 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.

- mobile authorization,
- public transport tickets,
- parking fee,
- "Join our cause": standing orders for charitable purposes,
- push notifications,
- 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.

Version history IKO
New in IKO 3.123.47
Bug fixes & improvements
New in IKO 3.123.41
From 01.01.2020 the existing tax office accounts will cease to operate nad taxpayers will use an individual tax accounts.
More details on www.podatki.gov.pl/mikrorachunek-podatkowy
New in IKO 3.122.34
- Split Payment in tax and ZUS transfers.
Function for companies that are VAT payers: in the selected types of transfers you will see an additional field with your VAT account.

- Biometric authentication* (Settings -> Fingerprint settings -> Biometric authentication)
Log in using specific device functions (depend on the version of the operating system and the phone model). Recommended for difficulties with in-display fingerprint sensors.

*Available from Android 9.0
New in IKO 3.122.26
Bug fixes & improvements
New in IKO 3.122.22
- Car insurance TPL, AC, accident, Car Assistance*
The coverage is the same for all 6 insurers available at the bank - you can easily compare offers
- Additional security measures associated with PSD2 directive:
History & notifications older than 90 days are only accessible in active applications
Masking of one-time passwords from authorization tools
- Minor bug fixes & improvements

* Not available for Inteligo customers.
New in IKO 3.119.54
- Change in the way of sending SMS in IKO activation process
- Minor bug fixes & improvements
New in IKO 3.119.43
-“Join our cause with IKO”: convenient standing orders for charitable purposes
- Notifications: a posssibility to hide it from the start screen and to secure it with your PIN
- Fingerprint login: hide/show on the start screen
- Minor bug fixes & improvements
New in IKO 3.118.56
- 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
New in IKO 3.117.20
- Changing debit card visual (Use context menu in debit card details to change card image)
- NFC payments bug fixes
- Improvments and customer's suggestions
New in IKO 3.117.16
- Push notifications about products' events. You can turn on push notifications in IKO settings (Menu > Settings > Push notifications)
- Minor bug fixes & improvements
New in IKO 3.116.10
- An application to open an account
- Restricting the card: now also for Inteligo customers
- Minor bug fixes & improvements
New in IKO 3.115.27
- Currency exchange*
- Multi-currency card service in the application*
- The information on the card fees
- Restricting the card with the option of getting a new one*
- Card activation

* Not available to Inteligo customers.
New in IKO 3.113.71
- Make faster funds transfer by scanning an invoice.
- Debit and credit card pictures in the app.
- Save and restore your settings after reinstalling the app.
- Redesign of inbox.
- New method of mobile contactless payments confirmation - card's PIN on POS terminal.
New in IKO 3.112.18
Thank you for using IKO app!

Every update of our app includes essential fixes, performance & stability improvements. Make sure that you are using the latest IKO version, to ensure flawless service.
New in IKO 3.112.6
- preparation for new ZUS scheme (since 1st Jan 2018 via „Bank transfer” function only)- crash fixes- minor improvements
New in IKO 3.111.20
- Incomplete transfers preview- Bug fixes & improvements
New in IKO 3.110.18
- Credit card transfer- Foreign transfer- Minor bug fixes & improvements
New in IKO 3.109.35
Bug fixes and small improvements.
New in IKO 3.109.29
- Buy a loan or open a saving account by tapping circled button in applicable "My Bank" section > "Loans"/"Accounts".- Small improvments in NFC payments with the IKO app.- Bug fixes reported by customers.
New in IKO 3.109.26
- Buy travel insurance and view your insurance list in "My Bank" section,- Minor bug fixes (eg. cases when the application kept loosing settings defined by the user).
New in IKO 3.108.20
- New loan process (for PKO Bank Polski retail customers).- Standing orders (creating, deleting, additional payments).- Multiple transfers.- Possibility of blocking the amount of future dated transfers.- New customers can set a password to the internet banking service during the IKO app activation.- Bug fixes.
New in IKO 3.107.35
- You may apply for OVERDRAFT LIMIT (use context menu on an account details).- You may apply for SAVING ACCOUNT (by tapping on an advertisement).- You will find redesigned DEPOSITS OFFER.- There are also small improvements and bug fixes.
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