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IKO – PKO Bank Polski

IKO – PKO Bank Polski

Open an account in the app

4.6K ratings
354 reviews
💼 Business
💰 Finance
Free

Details

  • Released
  • Updated
  • February 21, 2013
  • July 29, 2026

Features

Developer

PKO BP S.A.
✨Promote your app ✨
IKO – PKO Bank Polski screenshot #1 for iPhone
IKO – PKO Bank Polski screenshot #2 for iPhone
IKO – PKO Bank Polski screenshot #3 for iPhone
IKO – PKO Bank Polski screenshot #4 for iPhone
IKO – PKO Bank Polski screenshot #5 for iPhone
IKO – PKO Bank Polski screenshot #6 for iPhone
IKO – PKO Bank Polski screenshot #7 for iPhone
IKO – PKO Bank Polski screenshot #8 for iPhone
📌Ready
Reviews summary↘︎
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❓5 answered
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📦~ in 2 weeks
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About

This mobile banking app allows users to manage their PKO Bank Polski and Inteligo accounts. Perform transactions, view account details, make payments, and apply for financial products directly from your smartphone.

✓View account balances and transactions
✓Make payments with BLIK code
✓Withdraw cash from ATMs without a card
✓Top up mobile phone balance
✓Apply for accounts, loans, and insurance
✓Create virtual moneyboxes
✓Generate BLIK vouchers
Show original description

What users say

Summarized from real user reviews of IKO. Based on 4.6K reviews and a 4.9/5 average, it highlights the 5 positives and 5 negatives reviewers mention most about this Finance app.

Positive things

  • 👍Easy to use
  • 🚀Fast and efficient
  • 🔒Secure
  • 💡Useful features
  • 🤩Great app overall

Negative things

  • 🐛Bugs and crashes
  • 🚫Limited functionality for non-Polish phone numbers
  • 💰Fees for certain transactions
  • 🤔Confusing UI changes
  • 🔍Lack of advanced features
See all reviews

What's New in IKO

3.187.40

July 29, 2026

Improvements and bug fix

User reviews

Most RecentHighest RatedLowest Rated

Support does not respond

I contacted support twice through the app regarding account closure. The app says that requests are usually answered within 6 hours, or within 24 hours in some cases. It has now been 9 days without any response.
SooprunSooprun

Response from developer

Czy udało się załatwić sprawę?

Opłata 10pm

Nie jestem z tego zadowolony i myślę o zmianie banku!
BPAMPBPAMP

Great service

Done
KH RaiKH Rai

Oficina

No entiendo porque no tiene la opción de varios idiomas, además de porque no atienden cualquier requerimiento en la oficina
TodosallTodosall

Need to improve UX

Every time they ask to open account for my child or show some useless promo messages, instead of making the app more smooth for using.
d.rosend.rosen

Response from developer

Dziękujemy za opinię. Prosimy o doprecyzowanie o jakie ułatwienia chodzi ?

See 349 more reviews

Developer apps

PKO Junior
PKO Junior

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💰 Finance
Free
iPKO biznes
iPKO biznes

by PKO BP S.A.

💰 Finance

(4)

Free
PKO supermakler
PKO supermakler

by Powszechna Kasa Oszczednosci Bank Polski S.A

💰 Finance

(1)

Free
See developer apps

User experience

🐞

Reported Bugs

5 issues

Activation issues with non-Polish phone numbers

Bug

Repeated log-outs and connection problems

Bug

Inability to edit or delete scheduled payments

Bug

Inconsistent behavior when changing device

Bug

Incorrect transaction details or missing information

Bug
✨

Requested Features

5 requests

Add support for foreign phone numbers

Feature

Improve transaction history and categorization

Feature

Implement Touch ID/Face ID support

Feature

Develop an iPad-specific app layout

Feature

Allow customization of app settings and layout

Feature

FAQ

What can I do with the IKO app?

The IKO app allows you to manage your PKO Bank Polski or Inteligo accounts. You can check balances, view transactions, make payments using BLIK, withdraw cash from ATMs without a card, top up your phone, make transfers, and even apply for new accounts, deposits, insurance, or loans.

Is the IKO app free to use?

Yes, the IKO app is a free electronic banking service provided by PKO Bank Polski. There are no charges for downloading or using the core features of the app.

How can I pay in stores with the IKO app?

You can pay in traditional and online stores using the BLIK code generated within the IKO app. This allows for quick and secure transactions without needing your physical card.

Can I withdraw money from ATMs using the app?

Yes, you can withdraw money from ATMs without a card by using the BLIK code from the IKO app. You can also find your nearest branch or ATM within the app to facilitate cash withdrawals.

What types of accounts and services can I manage?

You can view details of your current and saving accounts, cards, term deposits, loans, and travel insurance. The app also supports features like creating standing orders, multiple transfers, and applying for new financial products.