What is Blik?
Blik is a mobile payment system developed in Poland, enabling users to perform instant payments both online and in physical stores. Using the Blik app, customers generate a unique, short-lived six-digit code linked to their bank account. The system supports various functions such as peer-to-peer money transfers, ATM withdrawals, and online shopping without the need for traditional payment cards. Blik emphasizes security with real-time code validation and operates in cooperation with most major Polish banks. As of 2025, Blik is primarily used in Poland, with growing availability in online platforms accepting PLN, EUR, and occasionally USD transactions, offering a streamlined, card-free payment experience.
How to use Blik?
- Download your bank’s mobile app supporting Blik.
- Register and log in to your banking app.
- Select the Blik option in the app menu.
- Generate a six-digit Blik code.
- Enter the code at the merchant’s online or physical point of sale.
- Confirm the payment in your app.
The pro's of using Blik
- Instant payments with no need for a physical card.
- High security with single-use codes and app confirmation.
- Supports ATM withdrawals and peer-to-peer transfers.
- Works seamlessly with most major Polish banks.
- Easy integration for e-commerce and retail payments.
The con's of using Blik
- Primarily limited to Poland; international acceptance is minimal.
- Requires a smartphone and supported banking app.
- Transactions often only available in PLN; EUR and USD options are limited.
- Dependence on internet access for code generation and payment confirmation.