# POK — Pagesa 0 komision

> Fintech app for modern money management, transfers, bill payments, and digital cards. (iPhone/iPad app by R PAY.)

- Source: https://appshunter.io/ios/app/pok/id1590835547 (this page in markdown: same URL + `.md`)
- Developer: [R PAY](https://appshunter.io/developer/1554858888)
- Category: Finance, Utilities
- Price: Free
- Rating: 4.40/5 from 14 App Store ratings · 6 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.6 · 173 MB
- Languages: Albanian
- Released: 2021-11-03
- Data updated: 2026-09-08
- Monetization: ad-supported
- User reviews in markdown: https://appshunter.io/ios/app/pok/id1590835547/reviews.md

## What is POK?

POK is your trusted fintech app for fast, secure, and modern money management. From instant transfers and bill payments to premium digital cards and spending insights, POK empowers you to take full control of your finances anytime, anywhere.

Unlock Exclusive Benefits with POK VISA Cards

Choose the card that fits your lifestyle:

- POK Rewards: Earn points with every transaction and redeem them for exclusive offers like cashbacks.
- POK Infinite: Our premium card for high-value users, offering concierge support, advanced security, and VIP privileges.

All POK cards are digital-first, available instantly after registration, with no need for physical delivery. Manage your cards directly from the app, set limits, freeze or unfreeze instantly, and track your usage with full transparency.

Key Features:

- Instant Transfers: Send and receive money in real time, 24/7.
- Recurring Payments: Set up automatic transfers for rent, family support, or business needs.
- Utility Payments: Pay for car fines, water, internet, and more—without waiting in line.
- QR Payments: Scan static QR codes in stores and control the payment amount yourself.
- Spending Insights: Visualize and analyze your expenses to stay on top of your budget.
- Biometric Login: Access your account safely using fingerprint or face recognition.
- Multilingual Support: Available in your preferred language for a smooth experience.

POK gives you everything you need to manage your finances smarter, faster, and with zero hassle.

## Key features

- Instant money transfers
- Bill and utility payments
- Digital VISA cards
- Spending insights
- QR code payments
- Biometric login

## Recent user reviews (6 of 6)

All indexed reviews: https://appshunter.io/ios/app/pok/id1590835547/reviews.md

### 1/5 — Aplikacion moterqir.

*2026-05-27*

Te merr te gjitha te dhenat personale, id, te dhena biometrike, datlindje, vendlindje, emri babes, numri kembes, adresa banimit, emri zyshes fillores etj. Nuk e kuptova kurre per cfare sherbente dhe per cfare duheshin gjithe keto te dhena qe fare mire mund edhe te keqperdoren. Me pak fjale humbje kohe. 👎

### 5/5 — Great App!

*2026-04-03*

I really enjoy using POK and now with the support of Apple Pay, I never have to worry if I forgot my wallet home.

### 1/5 — Nuk punon

*2023-12-20, version 2.1.4*

Aplikacion eshte skandaloz. Kam 3 dite qe po perpiqem te hap nje llogari dhe me del llogaria juaj u fshi ne momentin qe vendos numrin dhe pranoj kushtet. Nuk ka nje live chat apo nje numer suporti per te kontaktuar. Frustrues si proces

### 1/5 — Nga nje kulete ne nje baboon

*2023-12-03, version 2.1.2*

Ky app u hap fillimisht si kulete virtuale por me pas filloj te transformohej si babooni me restorante dhe me oferta cashback te cilat nuk jane te qarta se ne cfare forme e merr cashback-un. Gjithashtu vura re qe cmimet e disa restoranteve jane rritur artificialisht dhe nuk i korrespondojne bizneseve specifike, gje qe eshte ne shkelje me ligjin!! Cfare te besh qe nuk ka drejtesi akoma ne Shqiperi!

### 5/5 — Super App

*2023-06-11, version 1.3.7*

Aplikacion eshte super,kam paguar gjobat dhe rimbushjet e telefonit me zero komision. Shume i thjeshte per tu perdorur.

### 5/5 — POK

*2023-04-19*

eshte nje app shume efikas dhe i shpejte

## Frequently asked questions about POK

### What is POK?

POK is a fintech app designed for fast, secure, and modern money management. It offers features like instant transfers, bill payments, and digital cards to help users control their finances.

### Does POK have ads?

Yes, POK contains advertisements. As a free application, it utilizes ads to support its services.

### What types of POK cards are available?

POK offers two digital-first VISA cards: POK Rewards, which earns points for cashbacks and offers, and POK Infinite, a premium card with concierge support and advanced security for high-value users.

### How secure is POK?

POK prioritizes security with features like biometric login (fingerprint or face recognition) for safe account access. All POK cards also come with advanced security features.

### What devices does POK support?

POK is available on iPhone and iPod devices, allowing users to manage their finances on the go.

### Can I make recurring payments with POK?

Yes, POK allows you to set up automatic transfers for recurring payments such as rent, family support, or business needs, ensuring timely transactions.

### What is the user rating for POK?

POK has a high user rating of 4.8 stars based on 9 ratings, indicating positive user sentiment and satisfaction with the app's performance and features.

### How often is POK updated?

The latest version of POK is 4.1.4, and it was last updated on March 30, 2026. This suggests a commitment to ongoing development and improvements.

## Version history (last 5 releases)

### 4.3.0 — 2026-09-06

Blossom, a brand-new theme
Joins Classic and Daylight. Preview and apply it from Profile > Appearance.

Pay and request by username
Find anyone on POK by username.

Smoother in the hand
New animations throughout, and a faster, lighter interface.

Refreshed across the app
Transactions, exchange, search, cards and profile, all redesigned with sharper contrast in every theme.

### 4.2.0 — 2026-07-23

What’s New in 4.2.0
- Bug Fixes & Performance: Faster, smoother, and more reliable than ever

### 4.1.9 — 2026-06-08

What’s New in 4.1.9
- Bug Fixes & Performance: Faster, smoother, and more reliable than ever

### 4.1.7 — 2026-05-19

What’s New in 4.1.7
- Pay by link: Share your personal link
- Bug Fixes & Performance: Faster, smoother, and more reliable than ever

### 4.1.6 — 2026-04-17

What’s New in 4.1.5
- Bug Fixes & Performance: Faster, smoother, and more reliable than ever

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## More apps by R PAY

- [POK Business](https://appshunter.io/ios/app/pok-business/id1591422881)

All apps by R PAY: https://appshunter.io/developer/1554858888

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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 2026-09-08.*