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BLIK

The Polish mobile-payments standard. Single-use 6-digit codes generated in the bank app — for online shops, peer-to-peer transfers and ATM withdrawals.

Full definition

BLIK is the Polish mobile-payments system launched in February 2015 by PSP (Polski Standard Płatności). Owners: PKO BP, ING BSK, mBank, Santander, Millennium, Alior and others. It works via on-demand 6-digit codes valid for 2 minutes. Features: online-shop BLIK (entering the code at checkout), contactless BLIK at POS terminals, cardless BLIK ATM withdrawals, BLIK-by-phone P2P transfers (requires recipient registration), web-shop BLIK. Pros: near-instant (seconds, 24/7), no card/details required, free for consumers (merchants pay), works with 20+ banks. Limits: daily caps set by each bank (typical: 500 PLN contactless, 5,000 PLN online, 10,000 PLN ATM); requires the bank app. In 2024 Polish BLIK transactions reached 2.8 bn at 277 bn PLN.

Concrete numeric example

Online purchase for 240 PLN: click "BLIK", open the bank app, generate code 123456, enter at checkout, confirm in-app with PIN/biometrics. Total: ~15 seconds.

kreddo.pl — loan and credit comparison in Poland

kreddo.pl is an independent financial product comparison service helping users make informed decisions about cash loans, online loans, personal accounts, savings accounts, deposits and mortgages in Poland. We compare offers from leading Polish banks — including PKO BP, Santander, mBank, ING, Alior Bank and BNP Paribas — displaying current interest rates, APR, fees and conditions.

Our loan rankings are updated in real time through bank partner integrations. Users can filter offers by amount (PLN 1,000–500,000), repayment period and instalment type. The instalment calculator helps estimate monthly repayment costs.

For those seeking quick financing, we compare payday loans, no-BIK loans, loans for indebted individuals and no-refusal loans. We also compare credit cards and insurance products.

kreddo.pl is an informational service — it is not a credit intermediary or financial institution. All offers shown come from our partners, and final product terms are determined by the financial institution. We track current NBP and WIBOR interest rates in real time.