Support 
BLIK is a national Polish mobile payment system that has become one of the most popular ways to perform financial operations in the country. It allows users to make fast transfers, pay online and offline, withdraw money from ATMs, and confirm various digital operations without a physical card. The technology is based on a temporary six-digit code that the user can generate in the mobile app of their bank.
The system has become an alternative to traditional bank cards because it is more secure, convenient, and does not require plastic. Its foundation is instant transfers, the absence of complex procedures, transparency, and low or zero fees. BLIK is used both by local residents and foreigners who come to Poland for studies, work, or active financial activity, including services such as transfergo, where Polish payment methods can also be applied.
How does the BLIK mobile payment system work?
The operating principle is based on using a unique short code that must be entered when performing an operation. The system matches it with your account, after which you confirm the action through your smartphone, and the operation is completed instantly.
ATM cash withdrawal
To withdraw funds using BLIK, you simply need to:
- Open your bank’s mobile application.
- Select the BLIK functions.
- Generate a six-digit code.
- Go to an ATM that supports BLIK.
- Press the BLIK button on the screen, enter the code, and confirm the operation in the app.
The entire procedure takes less than a minute. No physical card is required — only digital access through your smartphone.
Online payment
Online payments via BLIK have become one of the most convenient and rapidly growing methods in Poland because they allow users to complete transactions without entering traditional card data. When a user selects a product in an online store and proceeds to the payment page, they simply choose BLIK as the payment method. After that, a special field appears on the screen where the six-digit code generated automatically in the bank’s mobile app must be entered.
An important point is that the online store does not receive access to your financial data, card numbers, or any other confidential information — it receives only a temporary digital identifier that becomes invalid after a short period. After entering the code on the website, the bank’s application immediately sends the user a request to confirm the operation. At this moment, it is enough to open the notification on your smartphone and tap the confirmation button. The process takes only a few seconds, and the transaction is completed almost instantly, while the store receives confirmation of successful payment right away. The main advantage of this method is the complete absence of the need to enter a card number, CVV code, expiration date, or other sensitive details, significantly reducing the risk of data leakage. Thanks to this, BLIK online payments are considered one of the safest alternatives to bank cards in Poland.
Offline payment via terminal
Offline payment via a terminal works in a similar way, but here the key element is the interaction with a physical payment device. When the customer approaches the checkout, the cashier scans the products, after which the final amount appears on the terminal screen. On the terminal, you need to select BLIK as the payment method — this can be done either by the cashier or by the customer, depending on the device model. At the same time, the user opens their mobile banking application, activates the BLIK function, and receives a new six-digit code. This code is then entered directly on the terminal, and immediately after entering it, the application sends a confirmation request. Such double authentication enhances security and eliminates the risk of incorrect withdrawal. As soon as the user presses the confirmation button on their smartphone, the terminal records a successful transaction, and the purchase is automatically considered paid.
Modern versions offer an even simpler option — contactless payments. In this case, entering the code manually is not required: if the smartphone supports NFC and the user has activated the BLIK Contactless function, it is enough to hold the device near the terminal, just like a regular bank card. The system instantly recognizes the request, initiates verification, and completes the payment without the need to enter digits or confirm actions in the app.
Instant transfers between users
If you need to send money to another person in Poland, you can use the phone number transfer option. The process works as follows:
- Select BLIK P2P.
- Enter the recipient’s phone number.
- Enter the amount.
- Confirm the payment.
The transaction is processed instantly and without fees. Such a transfer does not require generating a code — a phone contact is enough.
How to use BLIK in Poland?
To use the system, you only need:
- a Polish bank that supports BLIK;
- a mobile banking application;
- an active bank account;
- a smartphone with internet access;
- verified identity (KYC).
After activating BLIK in the app, you gain access to online and offline payments, phone number transfers, ATM withdrawals without a card, BLIK NFC payments, and QR-code operations.
Which banks are part of the payment system?
Almost all major Polish banks are integrated into the system, including:
- PKO Bank Polski
- Santander Bank Polska
- mBank
- ING Bank Śląski
- Millennium
- BNP Paribas
- Alior Bank
- Pekao
- Credit Agricole
- Nest Bank
All these institutions offer support for digital payment apps, making transactions faster and more convenient.
What is the BLIK fee?
In most cases, there is no fee. Payments, transfers, and ATM withdrawals via BLIK are free of charge. It is also important to consider possible fees for transfers through third-party terminals or for unusually large transaction amounts.
Main advantages and disadvantages of BLIK
Advantages:
- very high transaction speed;
- no fee for standard transfers;
- convenience of use without a physical card;
- enhanced security: the code is valid for 2 minutes and can be blocked instantly;
- a cost-effective method of payments and transfers without plastic;
- can be used even without NFC;
- flexible transaction limits and full transparency of financial movements.
Disadvantages:
- requires constant internet access;
- cannot be used without a smartphone;
- not all international services accept BLIK;
- unlike cryptocurrency, payments are not decentralized — they depend on banks and national infrastructure;
- limited use outside Poland.
Overall, the system provides fast transfers, secure payments, instant transactions, and no unnecessary fees. It operates through a unique code that makes operations simple and protected. Combined with digital features such as NFC, QR payments, and instant transfers, BLIK becomes a universal tool for everyday financial tasks. If you need to quickly send money, pay for a purchase in a store, withdraw cash from an ATM, or complete a transaction on services like transfergo, BLIK offers an efficient, secure, and modern way to interact with your bank account.
