Blik

Blik is a Polish mobile payment system that enables users to make instant payments, transfers, and cash withdrawals using their smartphones. Launched in 2015 by Polski Standard Płatności, Blik allows transactions without the need for physical cards, providing a secure and convenient alternative to traditional banking methods.

Summary

Blik facilitates various financial transactions, including:

• In-store payments: Users can make contactless payments at participating retailers by generating a unique six-digit code through their banking app.
• Online purchases: Blik codes can be used to complete online transactions securely without entering card details.
• Peer-to-peer transfers: Users can send money instantly to other Blik users by linking phone numbers to bank accounts.
• ATM withdrawals: Cash can be withdrawn from ATMs without a physical card by generating a Blik code.

What is Blik?

Blik is a mobile payment system developed in Poland that allows users to perform various financial transactions using their smartphones. It operates through a unique six-digit code generated in the user’s banking app, facilitating secure and instant payments, transfers, and cash withdrawals.

Blik Costs

Blik transactions are generally free for users. However, some banks may charge fees for certain services, such as cash withdrawals from ATMs or international transfers. It’s advisable to check with your bank for specific fee structures.

Transaction Speed for Blik

Blik transactions are processed instantly, allowing for immediate payments, transfers, and cash withdrawals. This real-time processing enhances the convenience and efficiency of using Blik for various financial activities.

Blik: How to Do It?

To use Blik:

1. Register: Ensure your bank supports Blik and register through your banking app.
2. Generate a Code: Open your banking app and generate a unique six-digit Blik code.
3. Complete the Transaction: Enter the Blik code at the payment terminal, online checkout, or ATM, and confirm the transaction in your banking app.

Which Are the Main Countries Where Blik is Used?

Blik is primarily used in Poland. While it has expanded to other European countries, its international presence is still limited. For example, in early 2025, Blik compatibility was introduced by the British-owned Revolut, but it remains limited to Polish businesses on the recipient side.

Can You Withdraw with Blik?

Yes, Blik allows users to withdraw cash from ATMs without a physical card. By generating a unique six-digit code in the banking app, users can access their funds at participating ATMs.

Reputation of Blik

Blik is widely regarded as a secure and convenient mobile payment system in Poland. Its rapid adoption and integration with numerous retailers and online platforms underscore its positive reputation among users.

Blik FAQ

Q: Is Blik available internationally?
A: Blik is primarily used in Poland, though its international usage is limited.

Q: Can I use Blik for international transactions?
A: Currently, Blik is mainly available within Poland, though some international transactions may be possible depending on the service provider.

Q: Are there fees for using Blik?
A: Blik transactions are generally free for users, though certain services, such as ATM withdrawals or international transfers, may incur fees.