IKO – PKO Bank Polski

Actually does

• ✓Banking90% of reviews
• ✓Instant Approval15% of reviews
• ✓P2P payments25% of reviews
• ✓BLIK — система мгновенных платежей15% of reviews
• ✓Multi-currency20% of reviews
• ✓Payment Tracking20% of reviews
• ✓Expense Tracking(bonus)10% of reviews
• ✓Управление картами и лимитами15% of reviews

Claimed, but not confirmed by reviews

• ⚠Biometric Authentication
• ⚠Two-factor auth
• ⚠Online loan application
• ⚠Investing
• ⚠Push Notifications

Common complaints

• ✗Account access and funds blocked without explanation16% of mentions

  «Account opened in 2022, in 2026 access was blocked along with all the money... this is complete lack of access to funds»

• ✗Unable to reach support, emails are not answered20% of mentions

  «Can't reach an operator, I waited 50 minutes with no result... on my mails - support even doesn't reply»

• ✗Currency exchange function not working, no access to currency accounts12% of mentions

  «After the update, currency exchange doesn't work. White screen and after 20 seconds an error»

• ✗Unclear and frequent fund freezes without explanation8% of mentions

  «They keep freezing my funds. One day it's 50 zł, another day 150»

• ✗App hangs and crashes when tapping certain sections12% of mentions

  «It hangs when I tap it. I have a card on iOS 9.3»

What people praise

• ★Convenient and fast BLIK payment system

  «Very convenient service... Especially the fast BLIK payment feature»

• ★Quick and easy account opening in the app

  «I opened an account quickly. A week later I received a card by mail. The app is great. Everything works perfectly»

• ★Apple Pay and NFC payment support

  «Apple Pay works. Nice job»

• ★Complete set of banking services in one app

  «Very convenient service, very convenient bank. They quickly opened an account and explained how to use the app»

• ★Support for multiple languages

  «It's great that the app supports different languages»

Where to install