Guide for the IKO mobile app

Transcription

Guide for the IKO
mobile app
CONTENTS
ABOUT IKO MOBILE APP�� 3
WHO CAN USE IKO APP?�� 4
WHAT MOBILE PHONES SUPPORT THE IKO APP?�� 4
INSTALLATION AND ACTIVATION OF THE IKO APP�� 5
Downloading the IKO app��5
Activation of the IKO app on a computer��6
Activation of the IKO app by phone��14
Activation of IKO app after change of mobile phone or phone number��20
IKO app in english��20
MANAGING IKO APP IN IPKO/INTELIGO SERVICE��20
FUNCTIONS OF THE IKO APP��21
View account balance and account history��21
Send money to bank account��21
Phone top-up��22
Polish Mobile Payments Standard BLIK (BLIK code and BLIK voucher)��22
Withdraw cash from atm without card��24
Cash withdrawal from ATM using the BLIK code��24
Cash withdrawal from ATM using the BLIK voucher��25
Pay without cash or card��25
Payment with BLIK code��25
Payment with BLIK voucher��25
Pay online with BLIK ��26
Online payment with BLIK code��26
Online payment with BLIK check��26
Accounts��26
Loans��26
Manage your deposits��27
Cards��27
Transfer request��27
Standing orders��27
Demo mode��28
IKO features – full list��29
IKO WALLET��30
Who can use the IKO wallet?��30
Features of IKO wallet��30
Downloading and activating IKO wallet��30
Managing the IKO wallet at portmonetka.pkobp.pl��31
List of the main features of portmonetka.pkobp.pl��31
Cancelling the IKO wallet ��31
Rules of withdrawal of funds from the IKO wallet ��31
SECURITY��32
TRANSACTION LIMITS��32
TRANSACTION LIMITS FOR BLIK CODE WITHOUT LOGGING TO THE IKO APP
(SO-CALLED QUICK PAYMENTS MODE/TRYB SZYBKICH PŁATNOŚCI)��34
QUESTIONS AND ANSWERS��34
2
About IKO mobile app
The IKO mobile app offers convenient access to finance at PKO Bank Polski on the mobile phone. Install the IKO app
on your phone and activate it to use the features that make everyday transactions and control of your account easier:
VIEW ACCOUNT BALANCE AND ACCOUNT HISTORY – With the IKO app you can easily check the
account balance and bank account history.
SEND MONEY TO BANK ACCOUNT – If you do not have the opportunity or time to log on to the
iPKO electronic banking service1, you can order a transfer with the IKO app and pay, for example,
your debts.
SEND MONEY TO ANYONE WITH JUST A MOBILE NUMBER – When you do not know the recipient’s
account number, tran by entering his phone number in the IKO app. The recipient will receive the
funds in his IKO app or will be sent an SMS with instructions how to receive money2.
WITHDRAW CASH FROM ATM WITHOUT CARD – Enter the BLIK code or BLIK voucher
number from the IKO app using the ATM keypad and withdraw cash without a card from approx.
10,000 ATMs that support withdrawal without a card.
PAY WITHOUT CASH OR CARD – Use mobile phone with the IKO app to pay for shopping by
entering the BLIK code on the payment terminal keypad – payment method is available in stores with
BLIK or IKO logo.
PAY ONLINE WITH BLIK – If the online store allows BLIK payments, at the check-out, in the
appropriate place, enter the BLIK code and confirm the transaction.
DEPOSIT MANAGEMENT – If you have available funds, you can open a term deposit with just a few
clicks in the IKO app.
BLIK VOUCHERS – The IKO app can generate BLIK vouchers used for shopping or withdrawal of
cash from ATMs just like BLIK codes. BLIK vouchers can be used by yourself, or by any other person
(together with the password for vouchers set in iPKO3).
INFORMATION ABOUT ACCOUNTS, CARDS, LOANS AND DEPOSITS – If you want to check the
account number, available credit card limit or loan repayment schedule, the IKO app will help you to
obtain such information quickly.
Each function will be discussed in detail in the following chapters. More about the IKO app: www.iko.pkobp.pl
Inteligo electronic banking service for customers who have an bank account in Inteligo.
If the recipient does not have the IKO app, the Bank on your behalf can send him a text message with a link to download the IKO app. If the recipient does not
activate the IKO app, the funds will be returned to you after 7 days from the date of sending the text message with a link to the app.
3
Or in Inteligo electronic banking service for customers who have an account in Inteligo.
1
2
3
MAP
Find ATMs and shops, who
accept BLIK payment system.
Use map to find nearest branch.
ACCOUNT BALANCE
BLIK CODE
BLIK code makes it easy to pay
in store, online or to withdraw
cash from ATM without card.
BANK ACCOUNT HISTORY
Slide your finger right
APP MENU
Slide your finger left to see all
app functions
QUICK ACCESS
TO MAIN FUNCTIONS
Who can use IKO app?
•Holders of individual bank accounts in PKO Bank Polski, including holders of the Inteligo account.
•Holders of business bank accounts in PKO Bank Polski, including holders of the Inteligo account4,
who are self-employed.
•Holders of the IKO “virtual” wallet who are not required to have a bank account or be above 18 years old,
but for people under 13, a parent or other caregiver should register the IKO wallet at portmonetka.pkobp.pl
with an indication that it will be used by a minor.
What mobile phones support the IKO app?
The IKO app can be installed on mobile phones with the following systems:
•Android (version > 2.3)
•iOS (version > 6.x)
•Windows Phone (version > 7.5)
•platforms with Java support/MIDP2.0/CLDC1.1, including Symbian and BlackBerry (versions 5.x/6.x/7.x)
The IKO app does not work on tablets.
The IKO app actively uses the capabilities of the operating system of the mobile phone. During installation,
to ensure proper operation of the IKO app on Android devices, the IKO app will need permisions to5:
•find the account on the device and prevent the device entering the sleep mode – for receiving notifications of
incoming transactions
Applies to SMEs Business Packages in PKO Bank Polski: Debiut 18, Rozwój, Komfort Plus, Sukces Plus and the company
account in Inteligo.
Update as of 23 October 2014.
4
5
4
•read the mobile phone status and information about the phone – for generating unique identifiers for data
encryption and communication with the server,
•receive data from the Internet and have full access to the network – for the proper execution of mobile
transactions,
•display network connections – for checking access to the Internet,
•information about wi-fi connections – for generating unique identifiers for data encryption and communication
with the server,
•modify system settings – for the purpose of data encryption,
•send SMS messages – for sending messages during registration of the application,
•access contacts – for sending money transfers to mobile phones6,
•access location and read Google service configuration – for the proper functioning of the map with branches
and ATMs of PKO Bank Polski and stores that support BLIK transactions,
•access multimedia – for the proper functioning of the map.
Installation and activation of the IKO app
DOWNLOADING THE IKO APP
The IKO app can be downloaded from the app store for the given type of mobile phone operation system:
Download from
Windows Phone Store
Additionally, at the website www.pkobp.pl/aplikacja-iko/pobierzyou can order a free text message with
a link to the IKO app. After downloading, the app will be automatically installed on your phone (Android, iOS,
Windows Phone) or will need to be installed manually (Java, Symbian, Blackberry).
Applies to accounts held by PKO Bank Polski, which can be managed in the IKO app and in the IKO wallet.
6
5
ACTIVATION OF THE IKO APP ON A COMPUTER
Download the IKO app
To activate the app using a computer:
Turn on the internet on your mobile phone* or connect to a Wi-Fi
network.
Go to the app store for your mobile phone.
Log in to iPKO
Download from
Windows Phone Store
Find the IKO app by typing “IKO” in the search box
Set the phone number for IKO
in iPKO
You can also enter your phone number at
www.pkobp.pl/aplikacja-iko/pobierz
and the Bank will send you a text message with a link to the IKO app.
Run the IKO app
Send SMS
Set PIN to the IKO app
Enter the activation code from
your phone to iPKO
Finish registration
*If you are using a data plan on your mobile phone, take into account the cost of data transfer.
Installation and use of the app is free of charge.
6
Log in to iPKO* by entering your customer number and password,
and then go to the “IKO” tab.
Log in to iPKO
in iPKO
Run the IKO app
Send SMS
your phone to iPKO
Finish registration
*Or the Inteligo electronic banking service for customers who have an account in Inteligo.
7
Verify that the mobile phone number selected for activation is the one
with which you associated the IKO app during registration.
If you want to set a different number, click “Zmień telefon” (“Change”).
Log in to iPKO
in iPKO*
Run the IKO app
Send SMS
your phone to iPKO
Finish registration
8
Run the IKO app. Then press the ”Dalej” (“Next”) button.
Log in to iPKO
in iPKO
Run the IKO app
Send SMS
your phone to iPKO
Finish registration
9
Log in to iPKO
Send an authorisation SMS. Depending on the operating system
of your phone, the SMS will be sent automatically or will require
your approval – do it without changing the content of the SMS.
The fee for sending SMS is charged by the mobile operator
in accordance with the contract for provision of telecommunication
services.
in iPKO
Run the IKO app
Send SMS
your phone to iPKO
Finish registration
10
Set a 4-digit PIN code for the IKO app by typing it twice.
Tap the “PKO BP” button and the IKO app will display the activation
code or “Inteligo” code for holders of the Inteligo account.
Log in to iPKO
in iPKO
Run the IKO app
Send SMS
your phone to iPKO
Finish registration
11
The IKO app will display the activation code.
Enter it in iPKO* and confirm.
Log in to iPKO
in iPKO
Run the IKO app
Send SMS
Enter the activation code
from your phone to iPKO
Finish registration
12
On your mobile phone, you will receive information about the
completion of registration and you will be asked to wait for a call from
the bank to finish activation.
A consultant will try to contact you on the same day, and if you do
not answer, will try again within approx. 24 hours.
Log in to iPKO
The hotline calls back on weekdays from 7 am to 10 pm,
on Saturdays from 9 am to 9 pm, on Sundays from 10 am to 9 pm.
If you do not answer, please contact the hotline number 801 302 302.
in iPKO
Run the IKO app
Send SMS
After the call with the consultant and a positive verification of user
identity, the IKO app will be active.
your phone to iPKO
Finish registration
13
ACTIVATION OF THE IKO APP BY PHONE
Activation of the IKO app by phone is not possible for phone numbers
that are not included in the Bank’s system – in this case, refer to the
IKO activation process on a computer.
Turn on the internet on your mobile phone* or connect to a Wi-Fi
network.
Go to the app store for your mobile phone.
Download from
Windows Phone Store
Run the IKO app
Find the IKO app by typing “IKO” in the search box
You can also enter your phone number at
www.pkobp.pl/aplikacja-iko/pobierz
and the Bank will send you a text message with a link to the IKO app.
Send SMS
Set PIN for the IKO app
Confirm IKO registration
in iPKO lite
Finish registration
*If you are using a data plan on your phone, take into account the cost of data transfer.
Installation and use of the app is free of charge.
14
Run the IKO app. Then press the ”Dalej” (“Next”) button.
Run the IKO app
Send SMS
in iPKO lite
Finish registration
15
Send an authorisation SMS. Depending on the operating system of
your phone, the SMS will be sent automatically or will require your
approval – do it without changing the content of the SMS.
Note: The fee for sending SMS is charged by the mobile operator
in accordance with the contract for provision of telecommunication
services.
Run the IKO app
Send SMS
in iPKO lite
Finish registration
16
Set a 4-digit PIN code for the IKO app by typing it twice.
Tap the “PKO BP” button, or “Inteligo” button – for customers
who have the Inteligo account, and the IKO app will display the
activation code.
Tap the “Rejestracja w iPKO” (“iPKO Registration”) button at
the bottom of the screen and you will be forwarded to login
to the iPKO/Inteligo lite version of the mobile website.
Run the IKO app
Send SMS
in iPKO lite
Finish registration
17
Sign in to iPKO lite/Inteligo lite with login and password
and confirm by tapping “OK”.
Run the IKO app
Send SMS
in iPKO lite
Finish registration
18
On your phone, you will receive information about the completion
of registration and you will be asked to wait for a call from the bank
to finish activation.
A consultant will try to contact you on the same day, and if you do
not answer, will try again within approx. 24 hours.
The hotline calls back on weekdays from 7 am to 10 pm,
on Saturdays from 9 am to 9 pm, on Sundays from 10 am to 9 pm.
Run the IKO app
If you do not answer, please contact the hotline number 801 302 302.
Send SMS
After the call with the consultant and a positive verification of user
identity, the IKO app will be active.
in iPKO lite
Finish registration
19
ACTIVATION OF IKO APP AFTER CHANGE OF MOBILE PHONE OR PHONE NUMBER
If you want to install the IKO app on a new mobile phone or a phone with a new number:
1. Log in to iPKO*.
2. Go to the IKO tab.
3. Remove the existing activation of the IKO app. To do this, click the “Zmień lub usuń” (“Change or Remove”)
button next to the appropriate number on the list of active IKO apps.
4. Restart activation of the IKO app, as described above.
This instruction does not apply to holders of the IKO wallet. If you change your phone number, the IKO wallet
stops working and you will not be able to use the funds saved in it – see section Rules for withdrawal of funds
from the IKO wallet.
IKO APP IN ENGLISH
If you want to use the IKO app in English version, follow the instruction:
1.Run the IKO app.
2.Go to the app menu by swiping from the right edge of the screen to the left and select the “Ustawienia”
(“Settings”) icon.
3.Tap “Język: Polski” (“Language: Polish”) to show language menu and choose “Angielski” (“English”).
Managing IKO app in iPKO/Inteligo Service
In iPKO*, in “IKO” tab, you can manage selected setting of the IKO app (iPKO is available in polish version only).
List of functions available in the IKO tab:
•activation, blocking and removal of active IKO apps on up to 3 devices,
•change the PIN code for the IKO app,
•add an authorized phone number for IKO app,
•support for BLIK – define password for BLIK vouchers,
•change transaction limits for the IKO app.
20
Functions of the IKO app
Go to the IKO app menu to manage your finances.
VIEW ACCOUNT BALANCE AND ACCOUNT HISTORY
With the IKO app you can quickly check your account balance and recent transaction history.
• Your account balance is visible immediately after logging in to the IKO app.
• The account history is also available after logging in to the IKO app; on the main screen you
need to swipe from left to right of the screen.
SEND MONEY TO BANK ACCOUNT
With the IKO app you can conveniently order a transfer from your own accounts to accounts of
another person or company. Depending on whether the transfer is internal or external (to another
bank), it will be executed immediately (the first case) or in accordance with Elixir transfer times
(the second case).
How to order a transfer in the IKO app?
1.Run the IKO app. Log in with the PIN code given during activation of the IKO app.
2.Select the “Przelew bankowy” (“Bank Transfer”) on the main screen.
3.Enter the account number and details of the person you want to send money to on the transfer form.
You can also click the icon of defined recipients and select the person from your list of payments.
4.Enter the amount, title and date of the transfer, and then tap “Zatwierdź” (“Submit”).
5.You will be asked to approve the transaction – select “Tak” (“Yes”).
Transfers to the amount of PLN 50.00 inclusive must be confirmed by selecting “Tak” (“Yes”), transfers in
the amount of over PLN 50 require the PIN code used to log on to the app. If in limits settings you chose
confirmation of transfers with a code from the authorisation tool, you will be prompted to enter the code.
The above transaction limits can be changed in the iPKO/Inteligo electronic banking service – does not apply
to holders of the IKO wallet, where the limits are restricted by the Act of 19 August 2011 on payment services
and the Act of 16 November 2000 on the prevention of money laundering and financing of terrorism.
Send money to mobile phone number
If you do not know the recipient’s account number or do not want to type the 26 digits of the bank
account, order the transfer by giving the recipient’s mobile phone number in the IKO app. The
amount will go directly to the recipient via his mobile IKO app.
21
If the person whose mobile phone number was entered in the IKO app as the recipient’s mobile phone number
does not have the IKO app installed, you can decide if you still want to make a transfer to the phone of that
person, and then the recipient will receive a text message with information about the amount to be collected and
instructions on how to install the IKO app.
If for some reason the money is not received within 7 days from the date of transfer, it will be returned to the
account from which the transfer was commissioned.
How to order a transfer to phone number in the IKO app?
1.Run the IKO app. Log in with the PIN code given during activation of the app.
2.Select the “Przelew na telefon” (“Mobile transfer”) on the main screen.
3.In the “Odbiorca” (“Recipient”) field, enter the mobile phone number of the person you want to send money to.
You can also tap the address book and select the person from your contact list. Fill the transfer fields and tap
“Wyślij” (“Send”).
Transfers to the amount of PLN 50.00 inclusive must be confirmed by selecting “Tak” (“Yes”)., transfers in the
amount of over PLN 50 require the PIN code used to log on to the app.
The above transaction limits can be changed in the iPKO/Inteligo electronic banking service – does not apply
to holders of the IKO wallet, where the limits are restricted by the Act of 19 August 2011 on payment services
and the Act of 16 November 2000 on the prevention of money laundering and financing of terrorism.
PHONE TOP-UP
With IKO app you can top-up phones (Plus: Simplus, MixPlus, 36i6, Sami Swoi, T-Mobile, Heyah,
Play NJU Mobile, Orange) and make top-ups defined previously in the electronic banking service
(iPKO/Inteligo).
How to top-up a phone via the IKO app?
1.Run the IKO app and log in.
2.Access the app menu and choose “Top-up”.
3.You will see your defined top-ups (if any) or the “single top-up” button – tap it.
4.In the top-up form, in the “Recipient” field, enter the phone number you want to top-up, then the mobile
operator and the amount.
5.Accept the declaration and tap the “phone top-up” button.
POLISH MOBILE PAYMENTS STANDARD BLIK (BLIK CODE AND BLIK VOUCHER)
BLIK is a mobile payments system for payments without cash and cash
withdrawals from ATMs without a card.
BLIK is based on IKO mobile payments developed by PKO Bank Polski.
It has not replaced the IKO app, but has become an integral part of it.
BLIK mobile payments are used not only by people who installed the IKO app, or clients of PKO Bank Polski,
including Inteligo, but also by clients of ING Bank Śląski, BZ WBK, Bank Millennium, Alior Bank and mBank.
Other financial institutions will soon start using BLIK mobile payments, of which the representatives of the
company Polski Standard Płatności will inform the consumers.
BLIK works in the form of a BLIK code and BLIK voucher.
22
BLIK code
The BLIK code (previously IKO code) is an individually generated string of 6 digits in IKO app that facilitates daily
non-cash payments and withdrawals from ATMs without a card.
•The BLIK code is a one-time string that can be used within 120 seconds after it is generated by the IKO app.
It is possible to extend the BLIK code, provided that the user taps the caption “Dotknij, aby odświeżyć”
(“Tap to refresh”) which is shown 25 seconds before the expiry.
•The BLIK code is only available when the IKO app is connected to the Internet. The BLIK code is visible only
after logging in to the IKO app, but you can also generate it in the “Tryb szybkich płatności” (“Quick Payments
mode”) and then it will appear on the screen when you tap the field: “Dotknij, aby zobaczyć kod” (“Tap to
refresh”). Rules for BLIK code display can be changed in the app settings.
BLIK voucher
The BLIK vouchers (previously IKO vouchers) consists of 9 digits and allows for the processing of
payments for purchases and cash withdrawals from ATMs to the predetermined amount in the offline
mode. The BLIK voucher can be used by yourself or by another person. This person does not need
the IKO app, or a bank account, and can be under 18 years old. He only needs to know 9 digits of
a valid BLIK voucher and the password for vouchers (see below “How to create the BLIK voucher?”).
•Before creating your first BLIK voucher, you need to set the password for vouchers in iPKO/Inteligo electronic
banking system. Holders of the IKO wallet must set the “hasło do czeków” (“password for vouchers”) at the website
portmonetka.pkobp.pl
•You can have up to 5 active BLIK vouchers.
•After generating the BLIK voucher in the IKO app, the funds in the account are blocked until the voucher is used
or its period of validity expires.
•If the BLIK voucher is not used or expires, the funds will be available again.
•One BLIK voucher can be used only once.
•Transactions with the BLIK voucher are executed for the amount equal to or less than the amount for which it
was issued. If you use PLN 5 of PLN 15, then PLN 10 will return to the account of the person who generated
the BLIK voucher.
•Each BLIK voucher transaction should be confirmed with the password for vouchers. If the voucher is used by
another person, give that person the password for vouchers.
•If you suspect that the voucher number and/or password for vouchers can be used by an unauthorized person,
cancel the BLIK check in the IKO app or change the password for vouchers.
•Transactions made with BLIK voucher are subject to transaction limits.
How to generate the BLIK voucher?
2.Select “Czeki” (“Vouchers”) on the main screen or “Czeki BLIK” (“BLIK vouchers”) from the menu.
3.Select “Utwórz” (“Create”) on the screen with the list of vouchers.
4.Fill in the fields: enter the value of the voucher – the maximum amount you want to make available in the form
of a voucher for purchases or withdrawal of cash from ATMs. Set a period of validity. Optionally, enter the
voucher’s title. Your voucher will be available in the IKO app without logging in. If you do not need access to
the BLIK vouchers before logging in to the IKO app, uncheck the “Zapisz offline” (“Save offline”) field.
5.To complete the process, confirm changes by pressing ““Utwórz” (“Create”). The voucher will be automatically
avaible in the IKO app.
How to given the BLIK voucher to another person?
1.Run the IKO app. If the BLIK voucher has been saved offline, it will be available before logging in when you tap
23
the “Czeki” (“Vouchers”) button. If you have not enabled this feature when you generated the voucher, you need
to log in.
2.Select “Czeki BLIK” (“BLIK voucher”) on the main screen or from the menu.
3.Select the envelope icon.
4.Select one of the options available to send the voucher – for example in the form of an SMS.
5.Enter the details of the person to whom you want to send the BLIK voucher or select the person from the
contacts list and send the message.
The recipient can use the BLIK voucher when you provide him with the password for vouchers.
Do not send the password for vouchers in the same message as the voucher number to minimize the risk of data
interception by unauthorized persons.
One BLIK voucher can be used only once – the difference between the amount of the BLIK voucher and the value
of the transaction will be returned to your account. Remember that transactions made with the BLIK voucher are
subject to limits that are saved in your online banking.
WITHDRAW CASH FROM ATM WITHOUT CARD
BLIK allows for cash withdrawal from ATMs of:
• PKO Bank Polski,
• Alior Bank (Euronet ATMs in bank branches),
• Bank Millennium,
• Bank Zachodniego WBK,
• Credit Agricole Bank Polska (Euronet ATMs in bank branches),
• Euronet,
• Getin Bank (Euronet ATMs in bank branches),
• Idea Bank (Euronet ATMs in bank branches),
• ING Bank Śląski,
• mBank,
that support withdrawals without a card. The fee for cash withdrawals using the BLIK code/voucher is set in the
Table of fees and commissions.
Transaction limits for the IKO app (including ATM withdrawals) can be changed in the iPKO/Inteligo internet
banking service – does not apply to holders of the IKO wallet, for which the limits are defined by the Act of
19 August 2011 on payment services and the Act of 16 November 2000 on the prevention of money laundering
and financing of terrorism.
CASH WITHDRAWAL FROM ATM USING THE BLIK CODE
1.Run the IKO app, log in with the PIN code given during activation of the app.
2.On the ATM screen, select “Potwierdź kodem BLIK” (“BLIK Withdrawal”).
3.Select the language, amount of the transaction, and decide if you want to print the receipt.
4.The ATM will display a form to enter the BLIK code. Enter the 6 digit BLIK code currently displayed in
the IKO app and select “akceptuj” (“Accept”) on the ATM screen.
5.The IKO app will ask you to accept the transaction – select “Tak” (“Yes”).
With default settings of the IKO app, the withdrawal from the ATM of up to PLN 100.00 is confirmed by tapping
“Tak” (“Yes”) on the app screen. For amounts in excess of PLN 100, the IKO app will ask you to confirm the
transaction with the PIN code you use to log in.
24
Transaction limits for the IKO app (including ATM withdrawals) can be changed in the iPKO/Inteligo internet
banking service – does not apply to holders of the IKO wallet, for which the limits are defined by the Act
of 19 August 2011 on payment services and the Act of 16 November 2000 on the prevention of money
laundering and financing of terrorism.
6.The ATM will confirm the transaction, and then pay cash and print the receipt.
CASH WITHDRAWAL FROM ATM USING THE BLIK VOUCHER
1.On the ATM screen, select “Wypłata z BLIK” (“BLIK withdrawal”).
2.Select the language.
3.Then select the amount of the transaction. Decide whether you want to print the receipt. The ATM will display
a form to enter the BLIK voucher number.
4.Enter the 9-digit BLIK voucher and press “Akceptuj” (“Accept”) on the ATM screen.
5.Enter a 4-digit password for vouchers and confirm by selecting “Akceptuj” (“Accept”). The ATM will confirm
the transaction, and then pay cash and print the receipt.
PAY WITHOUT CASH OR CARD
In every store with BLIK logo, you can pay for purchases by confirming the transaction with the
BLIK code or BLIK voucher. This is done using a conventional payment terminal used to authorize
credit card payments, but with BLIK payment function.
The list of stores that accept BLIK payments can be found in the IKO app. Retail and service outlets can be
marked with IKO logo or BLIK logo.
PAYMENT WITH BLIK CODE
1.Run the IKO app and log in to view the current 6-digit BLIK code.
2.After adding up the charges for purchases tell the cashier that you want to pay with your phone using the
BLIK code.
3.Enter the 6-digit BLIK code currently displayed in the IKO app and confirm the payment by clicking the green
button on the terminal.
Payments up to PLN 100 must be confirmed on the phone screen in the IKO app by selecting “yes”; for amounts
over PLN 100, the IKO app will also ask for your PIN, the same you use to log in. After the transaction, the cashier
will give you the receipt confirming the transaction. Confirmation will also appear on the screen of your phone.
Transaction limits for the IKO app (including payments in stores) can be changed in the iPKO/Inteligo service
– does not apply to holders of the IKO wallet, for which the limits are defined by the Act of 16 August 2011
on payment services and the Act of 16 November 2000 on the prevention of money laundering and financing
of terrorism.
PAYMENT WITH BLIK VOUCHER
1.Prepare the BLIK voucher and password for vouchers:
–– If you generated the BLIK voucher yourself in the IKO app and saved it in “offline” mode, you can view it
before logging in by tapping “Czeki” (“Vouchers”).
–– If you received the voucher from another person, you can read it from the text message, or even from paper.
Keep in mind that in addition to the 9-digit BLIK voucher, you need to know the password to authorize the
transaction – you will receive it separately from the person who generated the voucher.
2.Tell the cashier you want to pay with BLIK.
3.Enter the 9-digit BLIK voucher and the 4-digit password for vouchers and confirm the transaction with the
green button.
25
Note: There is no need to spend the whole BLIK voucher – the rest will be returned to the account of the user of
the IKO app that generated it.
PAY ONLINE WITH BLIK
If the online store provides BLIK as a form of payment, you can pay for goods or services using
the BLIK code/voucher. It is a safe way to validate the transaction, just like “Płacę z iPKO”,
and is subject to transaction limits that can be managed in iPKO/Inteligo services.
ONLINE PAYMENT WITH BLIK CODE
1.Place items in your online shopping cart and select “Płącę z BLIK” as a method of payment.
2.Run the IKO app and log in to view the current 6-digit BLIK code.
3.Enter it on the website and click OK to confirm the transaction and await confirmation.
4.The IKO app will ask you to confirm the transaction – select “Tak” (“Yes”).
5.On the screen, you will see a confirmation of the transaction.
Internet payments up to PLN 50.00 must be confirmed on the phone screen in the IKO app by selecting “Tak”
(“Yes ). Transactions in excess of PLN 50 must be authorized with the PIN code you use to log in. The screen
with online payment “Płacę z BLIK” will also show confirmation of the transaction.
Transaction limits for the IKO app (including online payments) can be changed in the iPKO/Inteligo internet
banking service – does not apply to holders of the IKO wallet, for which the limits are defined by the Act
of 16 August 2011 on payment services and the Act of 16 November 2000 on the prevention of money
laundering and financing of terrorism.
ONLINE PAYMENT WITH BLIK CHECK
1.Place items in your online shopping cart.
2.Select “Płacę z BLIK” as a payment method.
3.Enter the 9-digit BLIK voucher.
4.Enter the 4-digit password for vouchers.
5.On the computer screen, you will see a confirmation of the transaction.
ACCOUNTS
The IKO app allows you to view information about your accounts in PKO Bank Polski*. To view the
account details, tap the “Accounts” icon in the app menu and then select account from the list to
display detailed information about the specified product.
There are 3 tabs:
•“Details” – including, among others, the account number and account type, interest rate and current account balance.
•“History” showing the history of operations.
•“Holds” with a list of unsettled transactions.
LOANS
The IKO app provides a list and details (including a schedule for repayment of installments) of your
credit products in PKO Bank Polski – this also applies to mortgage loans. You can browse them by
selecting the “Loans” icon in the IKO app menu.
*No requirement to have an account in PKO Bank Polski
26
MANAGE YOUR DEPOSITS
With the IKO app, you can open term deposits, view the details of the deposit and cancel it ahead
of time. The IKO app can manage only term deposits that have been made available in the IKO
mobile app channel.
How to open a term deposit in the IKO app?
1.Log in to the IKO app.
2.Go to the app menu by swiping from the right edge of the screen to the left and select the “Lokaty” (“Deposits”) icon.
3.Tap “Otwórz lokatę” (“New deposit”), choose an offer, enter the amount of deposit and confirm by tapping the
button under.
4.Your mobile phone will display a message about successful opening of the term deposit.
To cancel the deposit, tap “Lokaty” (“Deposits”), select deposit, tap “Cancel deposit” and confirm by entering the PIN.
CARDS
The IKO app shows the details of your debit cards and credit cards (including the option to pay off
the card).When you tap the phone icon, the app displays the screen with the hotline phone call
where you can cancel lost or stolen card. If you have a credit card, you can pay off the credit used
with the app.
How to pay off your credit card?
2.Access the app menu and choose “Cards”.
3.Select the credit card you want to pay off, and then tap “Pay off”.
Inbox
4.Choose the pay off amount, fill in the remaining fields in the form and confirm changes by tapping the “Pay
off” button.
TRANSFER REQUEST
The request for transfer is a convenient option to remind another person of outstanding debt or ask
other person for cash. You can send a request for transfer from IKO app to another IKO user.
Prośba o przelew
How to send a request for transfer?
Agencje
2.Access the app menu and tap “Transfer request”.
3.Enter the mobile phone number of a person who you want to send the transfer request or select it from your
phone’s contact book. Enter the amount you wish to receive.
4.The recipient will receive the notice of your request in his IKO app.
5.You will be notified by the IKO app when the get money.
STANDING ORDERS
170 x 170 px
Zlecenia stałe
70 x 70 px
24 x 24 px
If you use standing orders, you can view the list and details not only on the iPKO website, but also
in the IKO app. To do this, tap “Standing orders” in the main menu of the app.
Polecenie zapłaty
*No requirement to have an account in PKO Bank Polski
27
DEMO MODE
The demo mode has been made available in the IKO app for people who would like to quickly learn the functions
of the app before deciding whether to use it or not and for those who want to open the account or IKO wallet in
PKO Bank Polski.
How to enter the demo mode?
1.Open the IKO app.
2.Tap the “Tryb demo” (“Demo mode”) button.
28
IKO FEATURES – FULL LIST
THE IKO APP FOR HOLDERS OF BANK
ACCOUNTS IN PKO BANK POLSKI/INTELIGO
THE IKO APP FOR HOLDERS
OF IKO WALLET*
view account details
yes
not applicable
transaction history
yes
transfer to own bank account
yes
not applicable
transfer to other bank account
yes
not applicable
transfer to defined recipients
yes
not applicable
transfer to phone number
yes (recipient – even one that does not have an account in PKO Bank Polski, accepts the
transfer in his IKO app)
transfer request**
yes**
yes**
phone top-up**
yes**
yes**
list of defined recipients
yes
not applicable
RACHUNKI I PRZELEWY
BLIK
BLIK code
display current BLIK code/generate new BLIK code
BLIK voucher
generate, view, save and forward BLIK voucher
set PIN code for BLIK cheque
no (only at iPKO.pl)
payments at retail and service outlets that
accept BLIK
using BLIK code/voucher
payments in online stores that accept BLIK
withdrawals from ATMs
no (only at portmonetka.pkobp.pl)
DEBIT CARDS AND CREDIT CARDS**
view card detail**
yes (for retail clients)
not applicable
pay off credit card**
not applicable
cancel card
quickly select the phone number
(for retail clients)
not applicable
not applicable
open term deposit**
not applicable
close deposit**
not applicable
view details of deposits**
not applicable
LOANS**
view details and repayment schedules of
loans**
TERM DEPOSITS**
OTHER
change PIN for the app
yes
exchange rates
yes
map
ATMs and branches of PKO Bank Polski, retail and service outlets that accepts IKO
transactions with BLIK payments
contact details of the bank
yes
*No requirement to have an account in PKO Bank Polski – more about IKO wallet
**Only for users with IKO app installed on mobile phones with Android, iOS and Windows Phone. Not applicable to mobile phones with Java, Blackberry and
Symbian systems.
29
IKO wallet
The IKO wallet (portmonetka IKO) is a virtual wallet on your mobile phone, which allows you to pay for
purchases and withdraw cash from ATMs without a card.
The IKO wallet works like a prepaid card – top it up and use it. The IKO wallet can be topped up by transfer from
another bank account, transfer to the mobile phone where the IKO wallet is installed or by postal transfer.
The IKO wallet can be managed at portmonetka.pkobp.pl.
WHO CAN USE THE IKO WALLET?
The IKO wallet can be used by anyone regardless of age or whether he has an account at PKO Bank Polski or
not. You can start using the IKO wallet only by accepting the terms of the IKO wallet; there is no need of signing
a contract with PKO Bank Polski.
If the IKO wallet is used by a child under 13 years of age, the IKO wallet functionality does not change, but the
daily spending limit is lower and is PLN 150, and not EUR 500.
Transaction limits for holders of IKO wallet, including minors, are defined by the Act of 16 August 2011 on
payment services and the Act of 16 November 2000 on the prevention of money laundering and financing of
terrorism.
FEATURES OF IKO WALLET
Holders of the IKO wallet have access to most mobile payment features with the exception of the following:
•they cannot manage the IKO wallet limits because these are regulated by the Act of 16 August 2011 on
payment services and the Act of 16 November 2000 on the prevention of money laundering and financing of
terrorism,
•they cannot make transfers to bank accounts, but can make transfers to mobile phone numbers of other users
of the IKO app, withdraw cash from ATMs using BLIK and make payments using BLIK in shops and on the
Internet,
•they cannot open and manage term deposits.
The full list of features and benefits of the IKO wallet is in the table of the IKO app functions.
DOWNLOADING AND ACTIVATING IKO WALLET
1.Download the IKO app from the app store and install it on your mobile phone.
2.Open the IKO app and enter the mobile phone number where you will use the IKO app.
3.Set the PIN code for the IKO app and select “Bez konta” (“No account”).
4.Read and confirm the terms of use.
5.In order to confirm the number were the IKO wallet is activated, the phone will automatically send an SMS
(fee in accordance with the tariff of your operator).
If your mobile phone’s operating system requires confirmation for sending a text message, send it without
changing the content.
6.The app will display a message about successful activation.
After activating the app, register at portmonetka.pkobp.pl.
30
MANAGING THE IKO WALLET AT PORTMONETKA.PKOBP.PL
Portmonetka.pkobp.pl has functions similar to iPKO for IKO – it is used to manage the IKO wallet.
To start using portmonetka.pkobp.pl you should:
1.Visit portmonetka.pkobp.pl and click “Zarejestruj”.
2.On the following screens you need to:
•provide a mobile phone number where the IKO wallet is installed,
•enter the BLIK code from the IKO app,
•set up a login and password for the site,
•enter a name for the wallet (optional),
•enter your e-mail address (required),
•select “Osoba poniżej 13 roku życia” when the IKO wallet is used by a minor and approve the terms of use of
the service.
LIST OF THE MAIN FEATURES OF PORTMONETKA.PKOBP.PL
•View transaction history with filtering (by date / amount / type of transaction).
•View IKO wallet balance (including funds available and funds not settled and a list of blocked funds).
•Manage BLIK service:
–– set up password for BLIK voucher,
–– list of active BLIK voucher.
•Information about the IKO wallet:
–– account number,
–– mobile phone number,
–– linked phone number and e-mail address.
•Manage IKO wallet:
–– give/change the password to the site portmonetka.pkobp.pl,
–– set up new PIN for the IKO app,
–– the possibility of checking/unchecking the wallet profile for a minor.
CANCELLING THE IKO WALLET
If your IKO wallet is registered at portmonetka.pkobp.pl, you can cancel it yourself. To do this:
1.Visit portmonetka.pkobp.pl and log in.
2.Enter the “Ustawienia” (“Settings”) tab, and then select “ Zablokowanie aplikacji “ and “Zamknij portmonetkę”.
Closing the IKO wallet is an irreversible action. To use the IKO app again, you need to set up another
IKO wallet with new technical account, or connect the IKO app with the account at PKO Bank Polski.
RULES OF WITHDRAWAL OF FUNDS FROM THE IKO WALLET
Istnieją 3 możliwości wybrania środków z portmonetki IKO przed jej zamknięciem:
Withdrawal at ATM
Funds from the IKO wallet can be withdrawn using a BLIK code or BLIK voucher from an ATM that supports BLIK,
paying the commission in accordance with the rates in the Taryfa Prowizji i Opłat Bankowych PKO Banku Polskiego SA
for users of the IKO wallet at www.pkobp.pl/aplikacja-IKO/dokumenty-i-regulaminy/.
Transfer to mobile phone
To transfer funds from the IKO wallet before closing you must:
1.have active previous phone number with associated IKO app
31
2.download and activate the IKO app for a new number on another mobile phone
3.make a transfer to phone number from the previously used IKO wallet to the new one, assigned to a new
phone number.
At the branch:
1.The user prints the PDF file with details of the account, which can be downloaded after logging in to
portmonetka.pkobp.pl and gives it to the employee at the branch of PKO Bank Polski.
2.The user receives the phone number from the Bank system and makes a transfer to the phone number
indicated by the Bank employee from users IKO wallet (see how to make a transfer to the phone number) and
pays a fee for the execution of the order in accordance with the Taryfa Prowizji i Opłat Bankowych PKO Banku
Polskiego SA for users of the IKO wallet at www.pkobp.pl/aplikacja-IKO/dokumenty-i-regulaminy/,
3.The employee of the Bank pays the funds from the IKO wallet in cash at the teller window.
Security
Safety rules for users of mobile devices:
1.Lock access to your phone – block access to your phone with password or PIN.
2.Use antivirus software – mobile phones with access to the Internet, just like computers, are susceptible to
a variety of viruses and spyware applications. There are special anti-virus programs and firewalls for mobile
devices, which help users to protect against possible attacks from the outside.
3.Use the Internet responsibly – Do not click on links to sites if you do not know them. Do not download files
or email attachments if you are not sure about them. Do not install applications from unauthorized sources.
4.Update your operating system – be sure to regularly update your operating system immediately after an
update is made available. The most up-to-date operating systems patch up all the existing security “holes”.
5.Use hard to guess PIN combinations for the IKO app – do not use PIN codes that can be easily guessed
(e.g. 0000, 1234) or do not save them in your phone or wallet, because a thief can easily get access to your funds.
If you suspect that the PIN code is known to unauthorized persons, you should immediately change it at
iPKO/Inteligo site in the IKO tab.
6.Avoid giving the device to other people – if you need to hand the device over for repairs, be sure to remove
any messages received from the Bank, temporary files and browser history, as they may contain confidential
information. Do not forget to log out of all mobile banking applications.
7.Avoid public Wi-Fi networks – when using the app try not to make untrusted Internet connections.
Transaction limits
The IKO app is a payment tool and just as in the case of cards, the transactions are subject to limits.
Payments made with the IKO wallet are subject to transaction limits defined by the Act of 16 August 2011 on payment
services and the Act of 16 November 2000 on the prevention of money laundering and financing of terrorism.
•credit limit: EUR 2,500 per year
•debit limit: EUR 500 per day
•redemption limit for IKO wallet: EUR 999.99
•number of transactions for each type of payment: 10 per day
32
People who use the IKO app in conjunction with the account can freely change the transaction limits at the
iPKO website.
Amount and quantity limits for transactions before and after you log in to the IKO app are the same.
The limits on various limit settings in iPKO:
LIMITS SETTINGS:
DEFAULT
MAXIMUM DAILY NUMBER
OF TRANSACTIONS
MAXIMUM DAILY AMOUNT
OF TRANSACTIONS (PLN)
MAXIMUM VALUE OF A SINGLE
TRANSACTION WITHOUT
THE PIN CODE (PLN)
Transfer to mobile phone number
20
1 000
50
Transaction at a payment terminal
20
1 000
100
ATM withdrawal
20
1 000
100
Online payments
20
1 000
50
Regular transfer
20
1 000
50
LIMITS SETTINGS:
XXX
MAXIMUM DAILY
NUMBER
OF TRANSACTIONS
TRANSACTION WITHOUT
THE PIN CODE (PLN)
100
up to the balance of the account
always without the PIN
100
ATM withdrawal
100
Online payments
100
Regular transfer
100
LIMITS SETTINGS:
ALWAYS WITH THE PIN CODE
MAXIMUM DAILY NUMBER
OF TRANSACTIONS
TRANSACTION WITHOUT THE
PIN CODE (PLN)
10
150
not applicable
10
300
not applicable
ATM withdrawal
10
300
not applicable
Online payments
10
150
not applicable
Regular transfer
10
150
always with the code
from the authorisation tool
In addition to the limits proposed by the Bank, users can independently decide the amount and details of all
limits by setting them in the IKO tab at iPKO/Inteligo website.
33
Transaction limits for BLIK code without logging to the IKO app
(so-called Quick payments mode/Tryb szybkich płatności)
TRANSACTION FOR THE AMOUNT
UP TO PLN 50.00
TRANSACTION FOR THE AMOUNT
OF PLN 50.01 AND OVER
Transaction at a payment
terminal
• first 3 transactions: confirm with “Tak” (“Yes”)
• the fourth and following transactions: Confirm with PIN
Confirm with PIN
ATM withdrawal
Confirm with PIN
Confirm with PIN
Online payments
Confirm with PIN
Confirm with PIN
Questions and answers
•Does the IKO app work on tablets?
No, the IKO app is only intended for mobile phones.
•Can the IKO app be used by people under 18 years of age?
Yes, people aged 13-18 years can manage the account PKO Konto Pierwsze or the IKO wallet using the IKO app.
Children under 13 years of age can use the IKO wallet if permitted by a parent.
•Can the IKO app be used to pay abroad?
No, currently the IKO app can be used only to make payments in Poland.
•Can I order a transfer to the mobile phone number of a person who doesn’t have either an account in
PKO Bank Polski or the IKO app?
Yes. In this case, the IKO app will ask whether you want to send the transfer to the mobile phone of a person
who does not have the IKO app. If you agree, the recipient will receive a text message from the Bank about
pending transfer (7 days) with a link to the IKO app. If the recipient installs and activates the IKO app, the funds
will be visible in his IKO app (in PKO Bank Polski / Inteligo or the IKO wallet). If not, the money will be returned
to your account 7 days after the date of sending the text message to the recipient with a link to the app.
•I have a joint account. How does the IKO app work in this case?
Each of the co-holders can activate the IKO app for a joint account in PKO Bank Polski / Inteligo, and each
activation must be made on a different mobile phone number. Due to the fact that each of the numbers will be
linked to the same account, the co-holders will not be able to make transfers to phones between each other.
•I use the IKO app linked to the account at PKO Bank Polski/Inteligo. What should I do if I change my
mobile phone number?
If you change your mobile phone number, you need to uninstall the IKO app and remove it in the iPKO/Inteligo
internet banking service. Then reinstall the IKO app and carry out the activation process in online banking,
giving your new phone number.
34

Guide for the IKO mobile app

Transcription

Similar documents

a PDF here.

Maxx Money Kids` Club

solar®

Credit Cards - General Electric Credit Union

Childhood Obesity

Kids GPS Phone Watch

DemoFest Guide - The eLearning Guild

Fast Call Widget - Get Mobile game

august`s botm... survey says!!!

Microsoft Outlook Web App - Providence Public Schools