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How to change the BLIK limit in online banking?

How to change the BLIK limit in online banking? This question is asked by many users of this popular payment system. Adjusting BLIK transaction limits is a simple process that can be performed in a few steps.

How to change the BLIK limit in online banking?

How to change the BLIK limit? The process is intuitive and can be completed in a few simple steps via online banking. While detailed instructions may vary slightly from bank to bank, the general principle remains the same:

The first step is to log in to your online banking account;

Then, find the section related to BLIK settings, which is most often located in the "Mobile payments", "Settings" or similar tab;

After selecting the BLIK limit management option, the system will display current limits for individual transaction types.

To change the BLIK limit, simply enter the new amount in the appropriate field and confirm the change. In some banks, it may be necessary to additionally confirm the operation with an SMS code or PIN for the mobile application. After accepting the changes, the new BLIK limits will apply immediately or from the next day, depending on the policy of a given bank.

What are BLIK limits?

BLIK limits are the maximum amounts that can be transferred or withdrawn using BLIK codes during a specific period of time, most often within one day. Banks set default limits for BLIK transactions to ensure the safety of their customers' funds. The standard daily limit for BLIK payments is usually between PLN 1,000 and PLN 5,000, although it may vary depending on the bank.

The limits apply to various types of BLIK transactions, such as payments in stationary and online stores, ATM withdrawals and transfers to a telephone number (so-called P2P transfers). The bank may set a separate daily limit for each of these types of transactions. To confirm the amount, it is worth contacting the institution's hotline or looking for appropriate information on the official website.

Maximum BLIK limits

It is worth remembering that banks set not only default, but also maximum BLIK limits. This means that increasing your daily transaction limit above a certain level may not be possible for security reasons.

Maximum BLIK limits vary depending on the bank and transaction type. For example, for transfers to the phone, there is often a limit of PLN 1,000 or PLN 2,000 per transaction and from PLN 2,000 to PLN 5,000 per day. In the case of payments in stores and ATM withdrawals, the upper daily threshold is usually between PLN 5,000 and PLN 10,000. If you need to exceed the maximum BLIK limit once, you may need to contact the bank's hotline or visit a branch to individually adjust your account settings.

Why is it worth changing BLIK limits?

It is worth knowing not only how to change the BLIK limit, but also when it may be useful. Making such changes may be necessary if larger purchases or transactions are planned that exceed the standard limit, increasing it will allow you to freely use BLIK without the need to divide payments into smaller amounts. Changes are also made for security reasons, so as not to lose the funds currently in the account.

Lowering your limits may be a good idea to increase control over your spending and prevent possible fraud if your phone or login details are stolen. Adjusting limits to your own needs and preferences is an important element of managing financial security. It is good to know these mechanisms and use them efficiently.

Advantages of using BLIK payments?

BLIK payments are a convenient and safe mobile payment method that is worth using. BLIK transactions are quick and simple - just enter the 6-digit code from the banking application to pay in an online or stationary store. BLIK also enables easy withdrawals from ATMs and transfers to a telephone number. Payments are protected by a PIN in the application, and one-time codes valid only for 2 minutes ensure a high level of security.

Although BLIK has some limitations, such as the need to have a smartphone with the bank's application and the Internet, the advantages - convenience, speed and widespread availability from many sellers - make it worth turning on BLIK and enjoying a modern form of payment on a daily basis.

Why do you need to know how to change the BLIK limit?

It is worth reviewing BLIK settings regularly and adapting them to current needs. Properly configured limits and options will allow you to fully use the potential of this convenient payment system, while ensuring the highest level of security of funds in your account. Therefore, it is worth knowing how to change the BLIK limit in your online banking.

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