Poland
Pay in shops, pay online, take cash out of an ATM — with a six-digit code from the banking app you already have.
Four everyday things, all of them done from the same place on your phone.
At the till or on a checkout page, choose Blik, read the six digits from your banking app and type them in.
Pick Blik on the ATM screen, enter the code, approve it on your phone and take the notes.
Pay someone back using the number already in your contacts, instead of asking them for an account number.
Hold the phone to the payment terminal and confirm — the same account, no plastic involved.
Blik appears inside the banking app of participating Polish banks — what the screen looks like depends on your bank.
Blik sits inside the app your bank already gave you. There is no separate account to open and nothing new to top up.
Tap Blik and a six-digit code appears. It is single-use and good only for a short window.
At the shop terminal, in the checkout field on a website, or on the ATM keypad.
Your app shows who is asking and for how much. Approve it and the money leaves your account straight away.
A payment only goes through after you approve the exact amount on your own phone. Someone reading the digits over your shoulder cannot finish it.
Each one is generated for a single payment and stops working shortly afterwards, whether you used it or not.
Shops and websites never see your card details — they see a code that is worthless once the payment is done.
No account number dictated across a table, no typing an IBAN into a banking form.
Money returns to the account the payment left, without a separate claim or a card to present at the counter.
I stopped taking my card to the shop weeks ago. Phone, code, confirm — and the amount my app asks me to approve is the one on the receipt.
Splitting dinner used to mean someone reading out an account number. Now it is a phone number and the money is there before we leave the restaurant.
It took me a minute to find it in my bank app the first time. After that, the cash machine without a card is the part I would miss most.
Not sure whether your bank has it, or what happens if you type the code wrong? Send the question and we will answer it.
Someone from the team will get in touch shortly by email. No need to send it twice.
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