How to withdraw cash from an ATM using the IKO app
Posted: Tue Dec 24, 2024 10:05 am
Recently, approximately 3,200 Euronet ATMs have joined the network supporting IKO, which together with 3,000 PKO BP machines gives approximately 6,200 devices supporting this technology. IKO is a mobile application of PKO Bank Polski and its subsidiary Inteligo, allowing you to withdraw cash without a card. Today I will briefly describe how ATM withdrawals are performed using the IKO code. The service is very simple and safe, and the application is secured with a PIN code assigned independently during its activation. Withdrawals using IKO are currently free for holders of accounts in Inteligo or PKO BP.
ATM withdrawal using the IKO code
Remember that in order to withdraw funds from an ATM for free, the estonia whatsapp database should have this function. The easiest way to check this is to pay attention to whether the screen displays the words "IKO withdrawal" (PKO BP ATMs) or "withdrawal without a card" (Euronet ATMs).
The whole process is quite simple:
We launch the application on the phone and log in by entering the PIN we assigned earlier.IKO ATM withdrawal
On the ATM screen, select the option "IKO withdrawal" or "withdrawal without card".
We choose the language, usually Polish
We are presented with suggested transaction amounts. We can select one of them or "other amount" and enter our own.
A form field appears in which we enter the 6-digit code displayed at that time in the IKO app and accept it.
For security reasons, the IKO application also asks us to confirm the transaction, so we click YES.
The ATM confirms the transaction and dispenses the cash.
Importantly, on default settings, when withdrawing amounts above PLN 100, the IKO application asks for confirmation of the transaction with the PIN code used to log in. This is an additional security measure that protects the user.
The six-digit IKO code displayed in the application is valid for 2 minutes, after which another one is displayed. I myself am curious whether Nest Bank will also implement such a function for its customers.
Application capabilities from Inteligo and PKO BP
Of course, the app's capabilities don't end there. IKO allows you to pay in traditional stores, make transfers to previously defined recipients, check your balance, and find the nearest ATMs with the app support function. It also allows you to generate special checks for payments by phone without an Internet connection.
ATM withdrawal using the IKO code
Remember that in order to withdraw funds from an ATM for free, the estonia whatsapp database should have this function. The easiest way to check this is to pay attention to whether the screen displays the words "IKO withdrawal" (PKO BP ATMs) or "withdrawal without a card" (Euronet ATMs).
The whole process is quite simple:
We launch the application on the phone and log in by entering the PIN we assigned earlier.IKO ATM withdrawal
On the ATM screen, select the option "IKO withdrawal" or "withdrawal without card".
We choose the language, usually Polish
We are presented with suggested transaction amounts. We can select one of them or "other amount" and enter our own.
A form field appears in which we enter the 6-digit code displayed at that time in the IKO app and accept it.
For security reasons, the IKO application also asks us to confirm the transaction, so we click YES.
The ATM confirms the transaction and dispenses the cash.
Importantly, on default settings, when withdrawing amounts above PLN 100, the IKO application asks for confirmation of the transaction with the PIN code used to log in. This is an additional security measure that protects the user.
The six-digit IKO code displayed in the application is valid for 2 minutes, after which another one is displayed. I myself am curious whether Nest Bank will also implement such a function for its customers.
Application capabilities from Inteligo and PKO BP
Of course, the app's capabilities don't end there. IKO allows you to pay in traditional stores, make transfers to previously defined recipients, check your balance, and find the nearest ATMs with the app support function. It also allows you to generate special checks for payments by phone without an Internet connection.