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Does the recipient of the BLIK transfer see my data?

Does the recipient of a BLIK transfer see my details as the sender? This question worries many users of this popular mobile payment system. In the era of growing awareness of privacy and personal data protection, this issue becomes particularly important.

Does the recipient of the BLIK transfer see my data? Scope of protection

One of the most frequently asked questions is whether the recipient of the BLIK transfer can see my personal data? The answer to this question is not clear, because the scope of information provided depends on the specific bank and type of transaction. However, it is worth exploring this topic in order to consciously use the solution of cashless payments.

In the case of BLIK phone transfers, i.e. transactions between individual users, the recipient usually receives only basic data, such as the sender's name and surname. The residential address or bank account number usually remain hidden. This policy is intended to protect users' privacy and reduce the risk of misuse of their data.

However, in the case of payments in online stores or other sellers, the situation may be different. Here, the scope of data transferred depends on the agreement between the bank and the payment recipient. Some sellers may receive more detailed information about the customer, such as the shipping address for the order. This is due to the need to complete the transaction and deliver the purchased goods.

BLIK transaction security

The issue of whether the recipient of a BLIK transfer can see my data is not the only one worth paying attention to. Although the BLIK system ensures a high level of security, users should remain vigilant and apply good practices in protecting their data:

  • one of the most important rules is not to share the BLIK code with third parties, even if they pretend to be friends or bank employees;

  • Fraudsters often try to extort the BLIK code by impersonating other users on social media or advertising websites. A typical scenario assumes a request for an urgent loan and sending the BLIK code allegedly for the purpose of granting it. Please remember that sharing the BLIK code and confirming the transaction in the application means transferring funds that may be difficult or impossible to recover;

  • it is also worth paying attention to the credibility of online stores where we make BLIK payments. Before purchasing, let's verify whether a given seller is trustworthy by reading the opinions of other customers and checking his registration details; let's avoid suspiciously cheap offers and let's not share our data on unsecured websites.

Additional features for increased control

Additional functions and settings are available for users who want to have even greater control over their BLIK payments. One of them is the ability to define transaction limits in the bank's application. Thanks to this, you can limit the maximum amount of a single transfer or the total amount of transactions in a given time period.

Some banks also offer the BIK alert service, which informs the user about any attempt to download his data from the Credit Information Bureau. This mechanism allows for early detection of possible attempts at loan fraud or identity theft. It is also worth regularly checking the history of your BLIK transactions in the bank's application. If you detect suspicious operations, you should immediately report this fact to your bank.

How does the BLIK system work?

BLIK is a Polish mobile payment standard that allows you to make transactions using a smartphone. The user generates a one-time BLIK code in his bank's application and then uses it to authorize payments in an online or stationary store or to withdraw cash from an ATM. An important feature of the BLIK system is its security. The BLIK code is valid only for 2 minutes, which minimizes the risk of its unauthorized use. Additionally, each transaction requires confirmation in the bank's mobile application, which provides an additional layer of security.

Does the recipient of the BLIK transfer see my data? remember

The BLIK system provides a convenient and safe way to make cashless payments. Although the scope of data provided to the transfer recipient may vary depending on the bank and type of transaction, in general, BLIK ensures a high level of user privacy. Typically, recipients see the sender's name and surname.

Let us remember, however, that even the best technical security measures will not protect us against our own carelessness. That is why it is so important to be vigilant, verify the credibility of payment recipients and not share BLIK codes with third parties. Compliance with these rules will allow us to fully benefit from the advantages of the BLIK system, while minimizing the risks related to the protection of our data and financial resources.


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