IKO

Editor's Review

IKO: Your Comprehensive Mobile Banking Solution 🏦

The IKO application brings a wealth of banking functionalities right to your smartphone. Whether you're a PKO Bank Polski or Inteligo customer, IKO ensures that managing your finances is seamless, secure, and efficient. Let's dive into the extensive features that IKO offers:

Account Management 💳

• Full Account Overview: View your account balance, transaction history, and detailed information for all your bank accounts. 📊
• Versatile Transfers: Easily transfer funds to any domestic account via Elixir or through instant transfers. 💸
• Invoice Payments: Simplify bill payments by scanning data from invoices or QR codes. 🧾
• Phone Transfers: Make quick transfers to other users directly from your phone. 📱
• Tax Payments: Conveniently handle your tax payments to the Tax Office. 🏢
• International Transfers: Conduct foreign transfers with ease. 🌍
• Automated Payments: Set up standing orders and manage a series of transfers. 🔄
• ATM Transactions: Withdraw cash from ATMs using BLIK codes and deposit cash at selected ATMs. 🏧
• Pre-paid Top-ups: Recharge your phone credit instantly. 📞
• Transfer Requests: Send requests for money to other IKO users. 📤
• Savings Tools: Utilize “piggy banks” to save money for specific goals. 🐷
• Transaction Records: Generate and share transfer confirmations. ✅
• Pending Transactions: Keep track of unexecuted, pending, or rejected transactions. ⏳
• Account Applications: Apply for personal, savings, and foreign currency accounts. 📝

Card Control 🎛️

• Detailed Card Information: Access history, details, and images of your debit and credit cards. 🖼️
• Card Management: Activate cards, set or change PINs, adjust limits, and temporarily freeze or restrict cards. 🔒
• Multi-Currency Support: Manage your multi-currency card services efficiently. 🌍
• Credit Card Transfers: Transfer funds from your credit card and repay your utilized credit limit. 💳
• Payment Source: Use your credit card as a payment source for BLIK online and in-store purchases. 🛍️

Loan & Deposit Management 💰

• Loan Overview: Check schedules and details for all your borrowings. 🗓️
• Loan Applications: Apply for new loans directly through the app. 🏦
• Term Deposits: View details, open, and terminate term deposits. 📈

Insurance Options 🛡️

• Travel & Vehicle Insurance: Purchase travel and vehicle insurance policies. 🚗✈️

Payment Solutions 💸

• NFC Payments: Make contactless payments with your phone. 📱
• BLIK Payments: Pay in stores and online using BLIK codes, even without copying codes in trusted environments. 🛍️
• BLIK Checks: Create and share BLIK checks for easy transactions. ✅

Extra Features ✨

• Mobile Authorization: Securely authorize transactions. 🔐
• Public Transport Tickets: Purchase tickets for public transport. 🚌
• Parking Fees: Pay for parking. 🅿️
• Charitable Donations: Set up standing orders for charitable causes. ❤️
• Push Notifications: Stay informed with real-time updates. 🔔
• Location Services: Find nearby PKO Bank Polski branches and ATMs. 📍
• Currency Exchange: Exchange currencies at your convenience. 💱
• Multilingual Support: Use the app in Polish, English, Russian, or Ukrainian. 🌐
• Personalization: Customize the app’s appearance and product names. 🎨
• Settings Backup: Save and restore personalized settings after re-installing IKO. ⚙️
• Unified Login: Simultaneously activate IKO and iPKO with your first login password. 🔑
• Fingerprint Login: Use fingerprint authentication for quick access (Android 6.0+ required). 🖐️
• Home Screen Shortcuts: Add shortcuts to your favorite functions. 🚀
• QR Codes: Create and share QR codes with transfer details. 📲
• Exchange Rates: Stay updated with current currency exchange rates. 💹
• Branch Locator: Locate PKO Bank Polski branches, ATMs, and stores supporting BLIK payments. 🏦

With IKO, banking is no longer a chore but a convenient, secure, and personalized experience. Download the app today and take control of your finances! 🚀

Features

• Account balance and history

• Domestic and foreign transfers

• BLIK payments and withdrawals

• Card management options

• Loan and deposit details

• Insurance purchase

• Public transport tickets

• Parking fee payments

• Currency exchange

• Mobile authorization

Pros

• Convenient mobile banking solution

• Wide range of banking services

• Secure transactions with mobile authorization

• Additional functionalities like public transport tickets

• Multilingual support

• Personalized app settings

Cons

• Some features not available for Inteligo customers

• Contactless payments unavailable on rooted devices