What is a BLIK phone transfer and how to make one?

A BLIK phone transfer is a simple and convenient payment method that is becoming increasingly popular. Learn what this payment method is and how to transfer money to loved ones or friends in just a few seconds.

In this article, you will learn:

  • What is a BLIK phone transfer?
  • When is it worth using a BLIK phone transfer?
  • How to send money to a phone number using BLIK?
  • Is a BLIK phone transfer a secure form of payment?
  • Can you reverse or cancel a BLIK phone transfer?

Table of Contents

  1. What is a BLIK phone transfer?
  2. When is it worth using a BLIK phone transfer?
  3. How to pay with BLIK to a phone?
  4. BLIK to phone and security
  5. BLIK to phone – can you reverse such a transfer?
  6. BLIK to phone – summary of information

What is a BLIK phone transfer?

A BLIK phone transfer is a payment service that allows you to instantly transfer money between users using a phone number. This P2P (Peer-to-Peer) service is a convenient alternative to traditional transfers or card payments. You don't need to enter the recipient’s full account number to make the transfer. It’s enough to know their phone number.

Does BLIK transfer instantly? Yes, the money reaches the account immediately, regardless of the recipient's bank. An additional advantage is that the system operates 24/7, including weekends and holidays.

When is it worth using a BLIK phone transfer?

Phone transfers are a feature of the BLIK Mobile Payments System, which has been operating in Poland since 2015. You can use this payment method if you have access to online banking on a mobile device such as a smartphone or smartwatch, and you want to:

  • quickly settle up with friends or family for joint shopping, restaurant dinners, or the movies,
  • instantly send money to your child or a loved one.

To make a BLIK phone transfer, you don’t need to have a card with you or provide sensitive data, which increases your safety. Additionally, most banks do not charge any fees for using BLIK, making it wallet-friendly.

The BLIK system also offers options for paying for online and in-store purchases. This makes it a fast and cashless payment method that fits perfectly with a modern lifestyle.

Although BLIK to phone works great for everyday transactions, BLIK payments are also one of the fastest methods for paying for online purchases. According to data from the National Bank of Poland, by 2023 as many as 49.5% of people had used a BLIK code for payments.

If you run an online store and want to know how to implement BLIK, read our guide: platnosci-blik

How to pay with BLIK to a phone?

The BLIK phone transfer service is offered by most banks, changing the nature of everyday transactions. To use it, you only need a smartphone with internet access, a mobile banking app, and the recipient’s phone number. See how simple it is to make a phone transfer—it takes just seconds. Just:

  1. Open your bank’s mobile app.
  2. In the “Transfers” tab, select “Phone transfer” or “BLIK transfer” – the name may vary depending on the bank.
  3. Select the recipient – you can pick from your contacts or enter the phone number manually.
  4. Enter the amount to transfer.
  5. Confirm the details – follow the security instructions specific to your bank, such as entering the app PIN.

And you’re done! The money will instantly reach the recipient’s account, so you don’t have to worry about when the bank will process the transfer.

If you’re interested in other online payment methods that simplify life for your customers, check out our guide to popular online payment methods: jakie-sa-najpopularniejsze-metody-platnosci-online

BLIK to phone and security

The convenience of mobile payments with BLIK is unmatched, but what about transaction security? The way BLIK phone transfers operate has been designed to provide users with a high level of payment security and ease of use.

What ensures the reliability of such virtual transactions? Mobile apps and payment authorization mechanisms. Note that when you install the app on your smartphone, you must go through an advanced verification process approved by your bank, e.g., using a verification code or a call with the Call Center. You also set personalized security features like a PIN or biometric verification, which increases the safety of future phone transfers.

When you make a transfer, you need to confirm the payment in your app, e.g. via fingerprint. This makes the entire process not only fast but also secure. The risk of unauthorized BLIK code use is practically non-existent because you authorize every BLIK phone transfer within the app. This system ensures that your money reaches the right recipient, although it is always a good idea to double-check the data to avoid errors.

Also see what other payment methods offer you more possibilities metody-platnosci

BLIK to phone – can you reverse such a transfer?

BLIK phone transfers are processed immediately, which means that once you approve the payment, you can no longer reverse or cancel it. What if you accidentally send money to the wrong number? It's best to contact the recipient and request a refund. If that doesn't work, inform your bank about the situation – a representative will help you resolve it.

Reminder:

Due to the nature of phone transfers, always double-check the recipient's details before confirming the transaction. You can cancel the operation only before clicking the “confirm” button.

If you run a business, you may be interested in other payment solutions that can help grow your enterprise. rozwiazania-platnicze

BLIK to phone – summary of information

BLIK phone transfers are a modern tool that makes everyday payments convenient and easy. All you need for these instant transfers is a mobile app and the recipient’s phone number. Once authorized, the money will be in their account within moments – the service operates 24/7, including weekends and holidays. Also, remember that:

  • The security of transactions is ensured by the authorization system in your mobile app.
  • Phone transfers simplify everyday transactions – you pay immediately and don't need to remember to make a traditional transfer or withdraw cash from an ATM.

This payment method is ideal for anyone who values convenience and security in managing daily expenses.

References:

  • 1. Aleksander Szczepara. BLIK Mobile Payment System and Its Promotion. Management and Quality – Zarządzanie i Jakość, Vol 6 No 1.
  • 2. Jagodzińska-Komar, E. (2019). Instant payments in Poland using the Blik system as an example. Economic Sciences, 27, 105–116. https://doi.org/10.19251/ne/2018.27(7)