What is BLIK withdrawal from an ATM?
BLIK withdrawal from an ATM is a convenient service that allows users to withdraw cash without a physical payment card. Instead, a one-time 6-digit BLIK code generated in the bank’s mobile application is used to authorize the transaction. Once entered on the ATM screen, it allows users to withdraw a specified amount of money.
The BLIK ATM withdrawal service is available to customers of most Polish banks that have implemented the BLIK mobile payment system. To use it, all you need is an active banking application on your smartphone and internet access. This system ensures access to funds even without a bank payment card.
How to withdraw BLIK from an ATM step by step?
The process is intuitive and consists of a few simple steps:
- Select the “BLIK withdrawal,” “Cardless withdrawal,” or similar option on the ATM screen.
- Generate a one-time BLIK code in the bank’s mobile application.
- Enter the generated 6-digit BLIK code on the ATM screen.
- Specify the withdrawal amount (before or after entering the BLIK code, depending on the ATM model).
- Confirm the transaction in the mobile application, usually by entering the application PIN.
- After successful authorization, the ATM processes the withdrawal, and you can collect your cash.
Does the recipient of the BLIK transfer see my data?
It is important to note that the BLIK code is valid only for a short period (usually 2 minutes) and can only be used for one transaction. If the code expires, a new one must be generated.
Withdrawal limits and fees for BLIK ATM withdrawals
BLIK withdrawals from ATMs are subject to one-time limits, which may vary depending on the bank. However, they are usually high enough to meet cash needs. Detailed information on limits is available in the regulations of individual banks.
Regarding fees, BLIK withdrawals typically follow the same fee structure as payment card withdrawals. Withdrawals from an account holder’s bank ATMs are usually free, while withdrawals from third-party ATMs may incur a commission. Some banks offer free BLIK withdrawals at all ATMs in the country.
Advantages of BLIK withdrawal from an ATM
- No need to carry a payment card, increasing security and minimizing the risk of loss or theft.
- BLIK transactions are faster and more convenient than traditional card withdrawals, as they do not require entering a PIN on the ATM keyboard.
- Can be used even if the payment card is blocked or being replaced, ensuring continuous access to cash.
Security of BLIK withdrawals from an ATM
The BLIK mobile payment system, including ATM withdrawals, is designed with the highest security standards. One-time BLIK codes are generated only at the user’s request and are valid for a short time, minimizing the risk of unauthorized use. Additionally, every BLIK transaction requires confirmation in the bank’s mobile application, adding another layer of security.
Users should also follow basic safety practices when using ATMs. It is essential to check the machine for any signs of tampering or damage. When entering the BLIK code and authorizing transactions, users should cover the keyboard and phone screen to prevent unauthorized viewing.
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Key takeaways for BLIK ATM withdrawals
BLIK ATM withdrawals offer a modern, intuitive, and convenient alternative to traditional card transactions. Thanks to a simple process, users can access cash anytime without needing a physical card. With high security, attractive withdrawal limits, and often free transactions, BLIK withdrawals are becoming increasingly popular among customers of Polish banks.
