BLIK code is a one-time, 6-digit authorization code that is displayed once you log in to mobile app. Each code is valid for 2 minutes, and once it expires, you can easily generate a new one.

If you want to have a quicker access to mobile payments, you can add a special widget so that the code is visible even before you log in.

BLIK payments are charged on your current account or your credit card. In BLIK settings in the app you can define various sources for different transactions (for ATM cash withdrawals, payments in fixed POS and in online shops).

All BLIK payments charged on the current account or credit card are listed in the history of transactions both in Millenet and in the mobile app.

Yes, BLIK checks can be used without Internet access and without the need to log in to the app. Such BLIK check must be issued and saved beforehand.

To cash a BLIK check it is necessary to have its number and password (the sender defines the password to the check when issuing it and discloses it in a confidential way to the recipient).

Abroad, you can pay only with contactless BLIK at terminals with the Mastercard logo. Other BLIK features, including BLIK cash withdrawals from ATMs, are available only in Poland.

Note: When making contactless BLIK payments abroad, the Mastercard exchange rate will be applied. We do not charge any currency conversion fee. You can check the current exchange rate on the Mastercard website.

You can have 5 BLIK checks simultaneously active at any time. If you want to create further checks then you must use or delete the existing ones. Remember that checks have limited validity and expire automatically.

A BLIK check can be used in full or in part, however it can be cashed only once. After using either all or a part of the check’s amount, the check automatically expires. If it was used in part – the remaining amount will be automatically returned to the check issuer’s account.

Shopping without code is available in online stores that offer BLIK as a payment option. Shopping without code is not possible in fixed points of sale. Remember: before you will be able to shop without code in selected online stores, first make at least one transaction using BLIK code (for any amount).

Default daily limit for Shopping without code is 20 transactions for the total amount of 1000 PLN. If you want to change it, log in to Millenet and from the drop-down menu under your name select BLIK settings > BLIK transaction limits.

Confirming with mobile app PIN is required for all Internet and ATM transactions. For greater convenience, you can confirm transactions in fixed points of sale with a single click on “Accept” button. You can change this setting in the app menu select Settings > Payments settings > General BLIK settings > PIN confirmation.

In this situation it is sufficient to block BLIK payments in Millenet. The app will remain active, without the possibility to use the BLIK system. The service can also be unlocked at any time. You can also block the service in any Bank Millennium branch.

In the mobile app, whenever you want, you can change account number for making transactions using BLIK code.

Log in to the app and go to Settings > Payments settings > General BLIK settings.

Children up to 6 years old:

Child does not have access to the mobile app or BLIK. They can start using the mobile app and BLIK from the age of 7.

Children aged 7–12:

Child can make up to 20 BLIK transactions of each type per day. BLIK limits are fixed and cannot be increased or decreased until your child turns 13.

Children aged 13-18:

Child can make up to 20 BLIK transactions of each type per day. Children aged 13 to 18 can change their BLIK limits in the mobile app by selecting: BLIK icon on the home screen > BLIK settings > Daily Limits > BLIK payments limits

Only your child can change their BLIK limits. A legal guardian (a parent or court-appointed guardian) cannot change a child's BLIK limits.

Note: Regardless of age, a child and their legal guardian share a monthly spending limit. This limit applies only to the child's account and is referred to as the ordinary management limit. The current limit is 9395,26 PLN.

Disposals that exceed the ordinary management limit require court approval.

The following count towards the limit:

• cash withdrawals, including branch withdrawals and cashback transactions
• outgoing transfers
• card and BLIK payments

Example: A child aged 13 to 18 can set a BLIK online payment limit of up to 10 000 PLN. However, this does not mean they will be able to make a payment of that amount. If the transaction exceeds the ordinary management limit, it will be declined.

Want to disable BLIK and other transactions for your child?

Visit a branch with both your identity document and your child's identity document. You can do this for children aged 7 to 18. Younger children cannot make transactions on their own.

If you cannot make a BLIK transaction, check your limits. Each type of BLIK transaction has its own separate limit. Make sure you have changed the correct one.

You can change your BLIK limits in the mobile app or in Millenet.

In the mobile app, select: BLIK icon on the home screen > BLIK settings > Daily Limits > BLIK payments limits

In Millenet, click your name in the top right corner, then select: BLIK settings > BLIK transaction limits

Note: Every BLIK transaction must also be confirmed in the mobile app. The confirmation notification will be sent to the device on which mobile authorization is enabled.

You can activate the mobile app on up to 5 devices at the same time, but mobile authorization can be enabled on only one device.

If you want to change your BLIK Pay Later limit, you have to cancel your current agreement first.
Once it is closed, you can enter into a new agreement by making another purchase using the service. At that point, you will be able to set a new limit.

To cancel the agreement, send a message in the mobile app:

• go to shortcut with BLIK icon on the main screen and select BLIK Pay Later
• tap on the gear icon to see the settings
• select Help & contact to send a message
• in the subject line, type: “Agreement termination”

Please note: the limit depends on your creditworthiness.

• Minimum limit: 500 PLN
• Maximum limit: 4000 PLN

If the money was taken from your account, your BLIK payment was completed successfully. Download the confirmation and contact the website where you made the purchase. Ask for a refund. The refund time depends on the seller. We can't speed it up or check its status. Once we receive the refund, we'll post it right away. You'll see it in your account history.

BLIK deposits are available right away if you have an account or a credit card. Don’t have an account? Open one first. You can make a BLIK deposit only at Millennium ATMs. This option isn’t available at other ATMs.

Want to cancel BLIK Pay Later? Send a message to Polski Standard Płatności (PSP).

You can do it in the mobile app. Go to: BLIK icon on the home screen > BLIK Pay Later > Settings (top right) > Help and contact. Enter “Contract termination” as the subject. You can also:

• send an email to: placepozniej@blik.com,
• send a letter to: Polski Standard Płatności sp. z o.o., Czerniakowska 87A, 00-718 Warsaw,
• call: +48 22 123 60 80.

Already submitted your request? Contact PSP to check its status.

BLIK Pay Later works only in stores that offer this payment option. If the store supports it, you’ll see “BLIK Pay Later” as a payment method at checkout. The minimum transaction amount is PLN 50.

Don’t see this option even though the store supports it? It might be because:

• you have a joint or business account (this service is available only for a personal account),
• you don’t have Polish citizenship,
• you used a document other than a Polish ID card (a passport or mDowód isn’t enough),
• you have overdue loan repayments or a bailiff seizure on your account.
• your PESEL is restricted,
• your BLIK online payments are linked to a credit card (they need to be linked to your account instead).

Blocking your card does not affect BLIK payments.
You can still use BLIK even if your card is blocked or temporarily disabled.

You can repay a BLIK Pay Later purchase early in the app.
Go to: Black round BLIK icon > BLIK Pay Later > selected payment > Repay now.

Please note: you must make the repayment yourself and on time.
It will not be collected automatically.

You have 30 days from the purchase date to repay.
If you do not repay on time, interest will be charged.

Children aged 0–6 cannot use BLIK.
BLIK becomes available when the child turns 7 and starts using the app.

Children aged 7–17 can enable contactless BLIK payments in the app by going to:
Black round BLIK icon on the main screen > Contactless BLIK payments > Enable

Contactless BLIK payments work only on Android devices.
They are not available on iOS devices.