What it does
BLIK is a payment method built into participating banking apps. Its one-time codes support online and store purchases and cash withdrawals, with phone-number transfers and other functions available through selected banks. The English site covers the Polish service; fees and transaction limits are set by the bank.
A two-minute code starts the payment
Choose BLIK on the shop's payment page, open your banking app and display the six-digit code. Enter it at checkout and approve the transaction in the banking app. The code expires after two minutes, so an expired code must be replaced. The approval screen shows the payment details, including the recipient and amount.
For repeat online purchases, supported apps let you remember a store or browser. Later purchases can then be approved on the phone without entering a new checkout code. The remembered list can be managed in the banking app.
Code payments and contactless payments differ
The basic service works through participating banks' Android and iOS apps. BLIK Contactless requires NFC, the bank app as the phone's default payment app, and Android or supported HarmonyOS devices. It is not currently available on iOS.
Cash deposits, mobile transfers, cheques and transaction limits vary by bank. General BLIK charges come from that bank's fee table; BLIK lists its Contactless service as free. Transaction complaints go to the bank whose app was used.
Strengths
- No separate BLIK app is needed when the bank already supports it
- A phone number can be linked to the account that receives mobile transfers
Watch out for
- BLIK Contactless is unavailable on iOS
- Transfer, deposit and cheque availability depends on the bank
Best for
- Customers of participating Polish banks learning code payments and remembered checkouts
Sources
- BLIK for You | BLIK in a Blink of an Eye (Oct 28, 2026)
- BLIK Frequently Asked Questions (Oct 28, 2026)
- How to Use BLIK (Oct 28, 2026)