# IKO – PKO Bank Polski — Open an account in the app

> Mobile banking app for managing PKO Bank Polski and Inteligo accounts. (iPhone/iPad app by PKO BP S.A..)

- Source: https://appshunter.io/ios/app/iko-pko-bank-polski/id597657968 (this page in markdown: same URL + `.md`)
- Developer: [PKO BP S.A.](https://appshunter.io/developer/596463708)
- Category: Finance, Business
- Price: Free
- Rating: 4.90/5 from 4,659 App Store ratings · 354 written reviews indexed
- Age rating: 12+
- Requires: iOS 17.0 · 196 MB
- Languages: American English, Polish, Russian, Ukrainian
- Released: 2013-02-21
- Data updated: 2026-09-01
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/iko-pko-bank-polski/id597657968/reviews.md

## What is IKO?

With the IKO app you have everything in one place: account, cards, transfers, BLIK, savings and additional services. You log in securely with PIN, fingerprint or Face ID. IKO is an application appreciated by customers and experts in Poland and worldwide.

Don't have an account? Open them in the app in minutes, without leaving home.

Do you have an account? Make instant transfers, pay by BLIK code, check your balance and transaction history. 

Personal account
- Open an account in the app in just a few minutes
- Check your balance and transaction history
- Make transfers and standing orders
- Manage your savings accounts

Transfers and payments
- Send domestic, international, instant and mobile money transfers
- Pay in shops and online with BLIK, contactless phone and QR code

Cards
- Manage your cards and limits
- Activate or block a card, change PIN
- Use a multi-currency card

Loans and savings
- Apply for a loan or credit
- Set up deposits and savings accounts
- Choose from a range of insurances
- Manage your investments

Additional features
- Buy public transport tickets, pay for parking and motorway tolls
- Exchange currencies at an exchange office
- Buy phone top-ups and eSIM cards
- Receive transaction notifications
- Use the map of ATMs and branches
- Support the app in 4 languages

Download the IKO app, open a personal account in minutes and use mobile banking!

## Key features

- 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

## What do users think of IKO?

Overall sentiment: neutral

**Pros**

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

**Cons**

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

**Commonly reported bugs**

- Activation issues with non-Polish phone numbers
- Repeated log-outs and connection problems
- Inability to edit or delete scheduled payments
- Inconsistent behavior when changing device
- Incorrect transaction details or missing information

**Most requested features**

- Add support for foreign phone numbers
- Improve transaction history and categorization
- Implement Touch ID/Face ID support
- Develop an iPad-specific app layout
- Allow customization of app settings and layout

## Recent user reviews (10 of 354)

All indexed reviews: https://appshunter.io/ios/app/iko-pko-bank-polski/id597657968/reviews.md

### 1/5 — Support does not respond

*2026-07-09, version 3.186.42*

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.

### 1/5 — Opłata 10pm

*2026-06-13, version 3.185.36*

Nie jestem z tego zadowolony i myślę o zmianie banku!

### 5/5 — Great service

*2026-05-24, version 3.183.38*

Done

### 2/5 — Oficina

*2026-05-22, version 3.183.38*

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

### 3/5 — Need to improve UX

*2026-05-20, version 3.183.38*

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.

### 1/5 — Doesn’t work

*2026-05-07, version 3.183.36*

Doesn’t let you activate cards nor increase limits

### 1/5 — zenada odcieli mnie od dostepu bo nie moge zrobic aktualizacji

*2026-04-19, version 3.177.57*

to jest zart odcinac ludziom dostep do banku jak telefon nie wspiera nowego systemu! ios 16.7.15 to jest max update na moim iphonie. Jak mam niby zaktualizowac jak sie nie da???
Nie widze rowniez zadnej opcji pomin aktualizacje.

### 1/5 — Bad application quality

*2026-04-17, version 3.182.31*

Use Revolut instead, because this one is outdated and stack somewhere in 2015. Many bugs

### 1/5 — Shame

*2026-04-15, version 3.180.28*

Właśnie się dowiedziałem ze moja aplikacja nie działa i nie może być zaktualizowana ponieważ posiadam starsza wersje IOS niż 17. Tłumacza to wymogami bezpieczeństwa, czyli faceID lub touchID jest słabszym zabezpieczeniem niz logowanie się na stronie iPKO ????!! Żenada, trzeba zmienić będzie bank na taki który szanuje wszystkich klientów.

### 1/5 — nie mogę korzystać z aplikacj

*2026-04-14, version 3.180.28*

Niestety od jakiegoś czasu nie mogę korzystać z aplikacji – przy próbie uruchomienia zmuszają mnie do zaktualizowania apki, która wymaga iOS 17. Mój telefon to iPhone X, który nie może zostać zaktualizowany do tej wersji, ponieważ Apple nie udostępniło dla niego tej aktualizacji. Z tego powodu nie mogę korzystać z aplikacji, a kupować nowego telefonu tylko po to, żeby móc z niej korzystać, jest głupie.

## Frequently asked questions about IKO

### 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.

## Version history (last 5 releases)

### 3.188.27 — 2026-08-28

New payment terminal application.
Easily order a terminal tailored to your business needs.

Never miss an update. 
Information about scheduled maintenance in the mobile app can now be found at the top of the screen before logging in.

### 3.188.25 — 2026-08-19

New payment terminal application.
Easily order a terminal tailored to your business needs.

Never miss an update. 
Information about scheduled maintenance in the mobile app can now be found at the top of the screen before logging in.

### 3.187.40 — 2026-07-29

Improvements and bug fix

### 3.186.42 — 2026-07-06

Details of the active Allegro Klik service
You can now find all the key information in one place.

A modern form of allowance
In the Child Finances profile, parents can set up a standing order to regularly transfer an allowanced amount to their child’s account.

### 3.185.37 — 2026-06-25

Even easier access to information about your mortgage
We’ve reorganised the view of your loan details and added new information. This means you can find the information you need even faster.

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## More apps by PKO BP S.A.

- [PKO Junior](https://appshunter.io/ios/app/pko-junior/id1085090139)
- [iPKO biznes](https://appshunter.io/ios/app/ipko-biznes/id1207213387)
- [PKO supermakler](https://appshunter.io/ios/app/pko-supermakler/id1560608797)

All apps by PKO BP S.A.: https://appshunter.io/developer/596463708

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-01.*