Blik (stylised: BLIK) is a payment system in Poland that allows users to make instant payments and withdraw cash using only the user's standard mobile banking app. The system allows users to make online and in-store purchases and to transfer money in real time between bank accounts and ATMs, including cash withdrawal from ATMs, without the need of a payment card. Transactions are uniquely identified by a 6-digit one-time code, valid for 2 minutes, which the user generates and authenticates in their mobile banking app. The code can then be typed in online, entered on the ATM screen, or typed by the payment recipient in their mobile app. The resulting payments are near instant. Blik allows phone number transfers by binding a phone number with a bank account. These transfers are free and instantaneous, even between accounts from different banks. Some online shopping platforms, like

Allegro Allegro may refer to: Common meanings * Allegro (music), a tempo marking indicate to play fast, quickly and bright * Allegro (ballet), brisk and lively movement Artistic works * L'Allegro (1645), a poem by John Milton * ''Allegro'' (Satie), an ...

, are able to connect a customer account to a Blik-compatible app instance allowing for payment confirmation with just a notification prompt and

pin code A personal identification number (PIN), or sometimes redundantly a PIN number or PIN code, is a numeric (sometimes alpha-numeric) passcode used in the process of authenticating a user accessing a system. The PIN has been the key to facilitati ...

or biometric login. Blik was launched in February 2015 by Polski Standard Płatności, an alliance of six Polish banks, itself a member of the European Mobile Payment Systems Association. The number of participating banks has grown since. Blik had 8,6 million users and processed 424 million transactions in 2020. In 2021, Blik introduced mobile contactless payments in ground terminals. Between 2019 and 2020,

police The police are a constituted body of persons empowered by a state, with the aim to enforce the law, to ensure the safety, health and possessions of citizens, and to prevent crime and civil disorder. Their lawful powers include arrest and t ...

reported several cases of fraud using Blik ATM withdrawal. By gaining access to a person's social media account, the perpetrator is able to request a loan from acquaintances and perform cash withdrawals if provided with a Blik code.

Participating banks

The Blik service is available from the following banks: * Alior Bank * Bank Millennium *

BNP Paribas BNP Paribas is a French international banking group, founded in 2000 from the merger between Banque Nationale de Paris (BNP, "National Bank of Paris") and Paribas, formerly known as the Banque de Paris et des Pays-Bas. The full name of the grou ...

* Citi Handlowy *

Crédit Agricole Crédit Agricole Group (), sometimes called La banque verte ( en, The green bank) due to its historical ties to farming, is a French international banking group and the world's largest cooperative financial institution. It is France's second lar ...

* Getin Bank * ING Bank Śląski * Nest Bank * Getin Noble Bank * mBank * Bank Pocztowy *

Bank Pekao Bank Polska Kasa Opieki Spółka Akcyjna, commonly using the shorter name Bank Pekao S.A., is a universal bank and currently the second largest bank in Poland with its headquarters in Warsaw. The Italian bank UniCredit used to own 59% of the comp ...

* PKO Bank Polski &

Inteligo Inteligo Financial Services S.A. is one of the first online banks of Poland. It was founded by David Putts and Andrzej Klesyk, two former McKinsey consultants, and Hasan Mustafa and Kyle Spicer, two former ABN AMRO Bank professionals, as an indepe ...

* Santander Bank Polska * Bank Polskiej Spółdzielczości (BPS) * Spółdzielcza Grupa Bankow (SGB)

References

External links

* {{Mobile payments Financial services companies of Poland Mobile payments Financial technology companies Payment systems Online payments