BLIK Phone Transfer – How Does It Work and How to Do It?

What is BLIK on the phone? A solution for busy people

BLIK is a Polish mobile payment standard that enables cashless transactions using a smartphone. One of the system’s functionalities is BLIK phone transfer, which allows you to easily send money to a recipient’s account using only their phone number. The BLIK phone transfer service is available in the mobile applications of most Polish banks. To use it, both the sender and recipient must activate it in their bank and link their phone number to their bank account.

How to link a phone number to a bank account?

Linking a phone number to a bank account is necessary to use the BLIK phone transfer service. The process may vary slightly depending on the bank, but it usually follows these steps:

1. Log in to your bank’s mobile application;
2. Go to the BLIK section or settings;
3. Select the option to link your phone number to your account;
4. Enter your phone number and confirm the operation;
5. You will receive an SMS code on the provided number, which must be entered in the application for confirmation.

Is BLIK safe? How to use BLIK payments safely?

Once the phone number is linked to the bank account, you can send and receive BLIK phone transfers.

How to make a BLIK phone transfer?

One of the advantages of BLIK payments is that they are quick and intuitive. The same applies to phone transfers – even people who do not consider themselves tech-savvy will have no trouble completing such a transaction. Here are the steps to follow:

1. Open your bank’s mobile application and log in;
2. Select the “BLIK phone transfer” option (the name may vary depending on the bank);
3. Enter the recipient’s phone number or select it from your contact list;
4. Enter the transfer amount and confirm the operation;
5. The transfer will be processed immediately, and the recipient will receive the funds in their account.

It is worth noting that BLIK phone transfers are processed in real-time, regardless of the day of the week or time. This means that the recipient will receive the money immediately after the sender confirms the transaction.

Transfer limits for BLIK phone transfers

Each bank sets its own limits on the number of BLIK phone transfers. Some allow only one transaction, while others permit several. It is also important to know that there are limits on the amounts that can be transferred this way – the daily limit is 1,000 PLN (in most banks). However, we recommend checking whether this is also the maximum amount that can be transferred per transaction, as some banks impose additional restrictions.

When is it worth using BLIK phone transfers?

A BLIK phone transfer is a convenient solution when you need to quickly send money to friends, for example, to split a bill at a restaurant or pay for a movie ticket. You only need to know the recipient’s phone number to complete an instant transfer without logging into online banking. BLIK on the phone is also useful when you don’t have cash or a payment card with you. More and more small business owners, such as market vendors or service providers, are accepting it. However, it is important to use BLIK phone transfers wisely – preferably among trusted people. Small financial settlements among family and friends, or quickly sending money to a child, are situations where such payments are the most convenient. Additionally, it is essential to follow basic security principles.

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Security of BLIK phone transfers

BLIK phone transfers are a secure way to send money. Each transaction requires authorization in the bank’s mobile application, which significantly hinders unauthorized access to your account. However, technology alone is not enough – we recommend following the so-called limited trust principle. To enhance the security of BLIK phone transfers, consider these guidelines:

• Do not share your linked phone number with anyone;
• Always double-check that you are entering the correct recipient’s phone number;
• Avoid using the service on untrusted devices or public Wi-Fi networks;
• Regularly update your bank’s mobile application and your smartphone’s operating system.

Following these recommendations will minimize the risk of unauthorized access to your account and potential theft of funds.

Is a BLIK phone transfer free?

Currently, banks offer BLIK phone transfers without additional fees. This is one of the factors contributing to the growing popularity of the service. However, keep in mind that banks’ pricing policies may change. It is advisable to monitor your bank’s announcements and service terms to stay informed about potential fees.

BLIK on the phone – what you need to know

A BLIK phone transfer is a convenient and fast way to send money without knowing the recipient’s account number. Thanks to instant transaction processing and high security standards, this service has gained a broad user base. To use BLIK phone transfers, simply link your phone number to your bank account in the mobile application and follow the intuitive transaction process. It is also essential to check the limits set by your bank and follow best security practices. With BLIK phone transfers, settling debts with friends, paying bills, or sending pocket money to a child becomes effortless. This modern solution meets the needs of today’s smartphone users, who value convenience, speed, and financial security.

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