What Is Blik and How Does It Work

Blik is a smart lock system that allows you to control and monitor your home's locks remotely through a mobile app.

It uses Bluetooth Low Energy (BLE) technology to communicate with your smartphone, enabling you to lock and unlock your doors, grant access to guests, and receive notifications when someone enters or leaves your home.

Blik's system is designed to be easy to install and use, with no drilling or wiring required.

The lock itself is a sleek and compact device that can be attached to your door using a strong adhesive.

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Online payments with Blik are a breeze. You can shop with Blik in almost every online store in Poland, making it a convenient option for many users.

To make a Blik payment online, you don't need to log in to online banking, enter SMS passwords, or provide your payment card details. All you need is a phone with your bank's mobile app.

You can pay with Blik even faster in the Internet – without entering the Blik code. Simply add the online store or browser you're using to the “Remembered” stores or browsers in the banking app.

Here are the steps to make a Blik payment online without a code:

Blik payments are also possible in-store, where you can pay contactlessly with your phone. To activate Blik contactless payments, you'll need to:

With Blik, you can pay for online purchases and services without needing a physical payment card. You can also make recurring payments without having to remember to pay a bill.

Here are the different ways to pay with Blik:

Blik payments are uniquely identified by 6-digit one-time codes, which are valid for up to 2 minutes. These codes can be obtained using the mobile banking app and used to make payments online, at ATMs, or on compatible contactless payment terminals.

You can pay with BLIK quickly and safely in online stores without logging into the bank. Select BLIK payment on the website of the online store and display the BLIK code in your banking app.

To make online payments with BLIK even faster, you can add the online store or browser to the “Remembered” stores or browsers in the banking app. This way, your next payment with BLIK will be even faster.

BLIK contactless payments take a few seconds, and you can also pay with BLIK using the BLIK code, which can be displayed in the bank's application and entered on the terminal.

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BLIK offers a range of services that make online and in-store purchases seamless.

Transactions are uniquely identified by 6-digit one-time codes, each time valid for up to 2 minutes, which the user obtains using their mobile banking app.

You can pay with BLIK even faster in the Internet – without entering the BLIK code. All you need to do is add the online store or browser you are using to the “Remembered” stores or browsers in the banking app.

Over 12 million active users make BLIK the most frequently used mobile payment method in Poland.

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Simplicity is key when it comes to making payments.

You can make online payments with BLIK in almost every online store in Poland.

Entering a BLIK code is easier than entering an account number.

BLIK payments are convenient and safe – you enter the BLIK code and confirm the transaction with your PIN in the banking app.

You don't have to log in to online banking, enter SMS passwords or provide your payment card details.

All you need is a phone with your bank's mobile app.

Transactions are uniquely identified by 6-digit one-time codes, each time valid for up to 2 minutes.

The code can then be typed in online, entered on the ATM screen, or on compatible contactless payment terminals.

You can even make deposits with BLIK into a cash deposit machine.

The system allows users to make online and in-store purchases and to transfer money in real time between bank accounts and ATMs.

These transfers are similarly free and instantaneous, even between accounts from different banks.

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Paying in-store with BLIK is incredibly convenient. You can make payments without needing a card or cash.

To pay contactlessly, simply unlock your phone and hold it close to the payment terminal - done! This type of payment works even without coverage and network access.

In physical stores, you can also enter the BLIK code on the terminal, eliminating the need for a wallet. Stores accepting payments with BLIK are marked with a sticker with the BLIK logo.

You can make up to 3 transactions to PLN 50 each without using a PIN number, after which the fourth transaction will require authorization with a PIN number.

You can pay with BLIK in almost every shop in Poland, including online stores, without having to log in to online banking or enter SMS passwords.

To make a BLIK payment in a shop, you'll need a phone with your bank's mobile app. You can pay contactlessly or using the BLIK code.

Paying with BLIK at a stationary store is convenient and safe. You can pay contactlessly or using the BLIK code.

To make a contactless payment, remember to turn on the NFC function on your phone and set up a screen lock (PIN or biometrics). This way, your transactions will be safe, and the payment will come down to two simple steps - unlock and scan.

In physical stores, you enter the BLIK code on the terminal. You don’t need a wallet.

BLIK contactless payments are possible in every terminal in Poland. You can pay abroad with BLIK at contactless terminals with the Mastercard logo.

If you want to pay with a BLIK code, inform the retailer that you want to pay with BLIK. Start the banking app and display the BLIK code. Enter the BLIK code on the terminal and confirm with the green button.

Stores accepting payments with BLIK are marked with a sticker with the BLIK logo. You can also always ask the retailer if the store accepts payments with BLIK.

Here's a summary of the steps to make a BLIK payment in a shop:

Making ATM withdrawals with BLIK is a convenient option if you have a banking app from one of the 15 banks that support it.

You can use BLIK to withdraw money from ATMs of these banks, as well as from Euronet and PlanetCash ATM networks.

To make a BLIK withdrawal, select the BLIK withdrawal option at the ATM, start your banking app, and display the BLIK code.

Enter the BLIK code in the ATM and confirm the transaction with your PIN in the banking app.

Not all banks with BLIK have their own ATMs, so you'll need to use a compatible ATM to make a withdrawal.

Here's a step-by-step guide to making a BLIK withdrawal:

You can also use BLIK to withdraw cash from an ATM using a 9-digit check number, but this requires additional steps and a check password.

Select the BLIK withdrawal option, type in the 9-digit check number, and enter the check password to complete the transaction.

With BLIK checks, you can send money to a recipient quickly and safely.

You can use BLIK checks to transfer funds to someone in a hurry.

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You can shop with BLIK in almost every online store in Poland, and it's convenient and safe - you enter the BLIK code and confirm the transaction with your PIN in the banking app.

BLIK payments are available for online purchases and services, and you don't have to log in to online banking, enter SMS passwords, or provide your payment card details.

In trusted stores and browsers, you can make a BLIK payment without entering the BLIK code, making it even faster and more convenient.

You can also pay contactlessly with BLIK, quickly and safely without linking a card or a BLIK code.

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You can make payments quickly with mobile payments like BLIK. It's a game-changer for online shopping.

You don't need to enter your card or a recipient's bank account number to make a payment. It's that simple.

With BLIK, you can pay even faster online without entering the code. Just add the online store or browser to your "Remembered" stores or browsers in the banking app.

You'll be done in no time - just enter the BLIK code, accept it in the app, and you're done.

With BLIK, you can send money to a recipient quickly and safely. The recipient doesn't need to have a bank account, card, or wallet.

You can make a BLIK transfer to a mobile in just a moment. All you need is your banking app and the recipient's phone number.

Select BLIK Transfer to a mobile in the banking app. You'll find it in the transfers section, on the login screen, or where you generate the BLIK code.

The recipient will instantly receive the money from you. No need to worry about network access or coverage.

You can make a BLIK transfer to a phone in various ways, including selecting a person from your address book or entering their phone number.

The recipient will be able to accept or reject the request within 72 hours. After that time, the request will expire.

A BLIK transfer to a mobile is available 24/7, and the money is transferred to the recipient's account immediately, regardless of the bank they're using.

You can settle up with your friends for dinner together, pool money for a gift, or return money you borrowed earlier. Each of these will take you literally a moment.

To make a BLIK transfer to a mobile, you'll need to select the contact from your address book on your phone or enter the recipient's phone number. Contacts that can receive a BLIK mobile transfer are marked with the BLIK logo.

You can make a BLIK transfer to a mobile in your banking app. Select the person to whom you want to send the request from your address book, or enter a phone number.

You can pay for your online purchases and services with just the BLIK code, no need to log in to online banking or enter your payment card details. This makes it super convenient and secure.

With BLIK, you can send money to a phone number instantly and free of charge, knowing just the recipient's phone number. This is perfect for making instant settlements with friends.

You can also withdraw cash from ATMs with BLIK, provided you have a banking app of one of the 15 banks that have implemented BLIK. Just select the BLIK withdrawal option at the ATM and follow the prompts.

The Blik service is available from 20 banks, including some of the largest and most well-known banks in Poland. This means that no matter which bank you have an account with, you can still use Blik to make online and in-store purchases, transfer money, and more.

One of the participating banks is PKO Bank Polski, which is a major bank in Poland with a wide range of services. You can also use Blik with other banks, such as Alior Bank, Bank Millennium, and BNP Paribas.

According to the participating banks list, some of the other banks that offer Blik services include Bank Pocztowy, Bank Pekao, and mBank. This means that you have a wide range of options when it comes to using Blik.

Here are some of the participating banks that offer Blik services:

I've personally used Blik with PKO Bank Polski and found it to be a convenient and easy-to-use service. Whether you're making online purchases or transferring money to friends, Blik makes it easy to do so quickly and securely.

Bank Millennium is a great option for those who want to make transactions quickly and easily. They offer BLIK transactions that can be started in just a few steps.

You can see for yourself how easy it is to use BLIK transactions by checking out Bank Millennium's step-by-step guide.

To withdraw cash using a check, you'll need to head to an ATM and select the BLIK withdrawal option. This is a straightforward process that requires minimal effort.

First, type in the 9-digit check number to initiate the withdrawal. Make sure to enter it correctly to avoid any issues.

Next, you'll be prompted to enter the check password. This is an important step, so take your time to ensure you enter it accurately.

You can withdraw cash using a check at an ATM by following these simple steps:

The BLIK code is a 6-digit authorisation number, which is displayed after you log on to the Mobile Application.

Each code remains valid for 2 minutes, so make sure to enter it quickly.

You can easily generate a new code if the previous one expires, so there's no need to worry about missing a payment window.

Blik was launched in February 2015 by Polski Standard Płatności, an alliance of six Polish banks.

The service was created to facilitate mobile payments, but it has also been used in some cases for fraudulent activities.

Between 2019 and 2020, police reported several cases of fraud using Blik ATM withdrawal.

Perpetrators were able to gain access to a person's social media account and request a loan from the victim's acquaintances.

If provided with a Blik code, the perpetrators could then perform cash withdrawals.

The BLIK code is a 6-digit authorisation number, which is displayed after you log on to the Mobile Application. Each code remains valid for 2 minutes and after it has expired you can easily generate a new one.

You can set up the BLIK code as a widget, which is shown even before logging on, for faster access to mobile payments.

The BLIK code is a one-off, 6-digit code, which you will find in your bank’s app. It is valid for 2 minutes.

In the case of transactions with a BLIK code, you display the code in the bank's application, enter it on the terminal, accept it, and that's it.

Generated codes can be used only once, so it is not sensitive data.

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With BLIK, you can make online payments without entering a code, as long as you've added the online store or browser to your "Remembered" stores or browsers in the banking app.

You can add a store or browser to your "Remembered" list by making a payment and selecting "Remember" in the bank's app.

Having your phone with you is enough to confirm the transaction on it, making the process even faster.

BLIK is a mobile payment service that was introduced in 2015 and is available to smartphone users with a mobile banking app from participating banks.

Using the BLIK mobile payment system is safe due to its robust security features. The app itself has a user-defined PIN number that's required to log on.

Transactions activated with a BLIK code always require confirmation, which can be done with the "Accept" button or PIN number. This adds an extra layer of security to ensure your transactions are legitimate.

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The BLIK check transactions can only be done if the recipient knows the check number and password. This means you should never share your BLIK check password with anyone.

To keep your BLIK check password confidential, it's recommended to write down the check number but disclose the password only orally.

Here are some key security tips to keep in mind:

Paying with BLIK at a stationary store is convenient and safe. You can pay contactlessly or using the BLIK code, and all you need is a phone with a banking application.

Just turn on the NFC function on your phone and set up a screen lock (PIN or biometrics) to keep your transactions safe. This way, the payment will come down to two simple steps: unlock and scan.

You can make up to 3 transactions to PLN 50 each without using a PIN number, making it easy to make small purchases. The fourth transaction will require authorisation with a PIN number.

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The BLIK code can be used to pay for items in a stationary or online shop. Select the BLIK payment option in the terminal or on the payment page, and read the BLIK code in the Mobile App to enter it in the terminal or on the payment website of the online store.

Thanks to BLIK checks, you can send money to a recipient quickly and safely. The recipient does not need to have a bank account, card, or wallet.

A BLIK check can be valid from 15 minutes to a maximum of 72 hours, giving you flexibility in how you use it. You can define the password, which you will provide to the recipient together with the check number, for added security.

You can pay with BLIK online or in-store, and it's surprisingly easy. Just select BLIK payment on the website of the online store.

To make online payments with BLIK, you can either enter the BLIK code or pay without a code by adding the online store or browser to the "Remembered" stores or browsers in the banking app. This way, your next payment with BLIK will be even faster.

You can also make in-store payments with BLIK, which is convenient and safe. To do this, you need a phone with a banking application and a screen lock (PIN or biometrics) set up.

To make an in-store payment with the BLIK code, look for stores marked with a sticker with the BLIK logo or ask the retailer if they accept payments with BLIK. Then, inform the retailer that you want to pay with BLIK, display the BLIK code in the banking app, and enter it on the terminal.

Recurring payments with BLIK are also an option, especially for cyclical and recurring liabilities such as subscription services or phone and electricity invoices. To set up a recurring payment, select payment with BLIK in the store's website, enter the code generated in the banking app, and accept the invitation to create a recurring payment.

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You can rest assured that using Blik is safe, thanks to its robust security features.

The app requires a user-defined PIN number for login, which adds an extra layer of protection.

Transactions require confirmation with the "Accept" button or PIN number, ensuring that you're in control.

To keep your Blik check password confidential, never write it down with the check number - instead, share the password orally.

If your phone is stolen and had the Blik app installed, you can block the app immediately by logging into Millenet and going to the Mobile Banking section.

If you want to keep the app active, you can block the Blik payment functionality in Millenet, in Blik settings.

You can also block Blik in any Millennium branch if needed.

It's worth noting that merchants don't need your Blik code - you can type it in the terminal yourself to keep your information secure.

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