Sense SuperApp - online bank vs IKO Usage & Stats

Sense SuperApp is the unified digital online bank for personal funds and individual entrepreneur’s accounts. It is swift to become a client and issue a digital card: • 15 minutes via video chat • 5 minutes with the help of “Diia” app • In just 1 minute you will be able to use your digital card and if you need a plastic card, we will deliver it for free Together we will win: • Help for the Armed Forces of Ukraine — swift transfers in Sense to the special account of the National Bank of Ukraine • Military bonds — it takes only 5 minutes online in Sense to purchase and receive the QES (qualified electronic signature) • Charity — verified funds on one page Income with sense: • Deposits: "Quick" — income for each day, “Profitable” with the bonus for prolongation, "Saving" for any period you wish, deposit with currency exchange — to purchase US dollars from the UAH card with the obligatory deposit • Referral program “Invite a friend” — invite your friends to download Sense SuperApp and receive UAH 100 of cashback each to your accounts if a friend is a new client of the bank Cashback Cash’U everywhere: • Cash’U CLUB bonus program with 11 levels • Up to 7 categories of advanced cashback to choose • Special cashback from our partners • Bonuses can be withdrawn as real money (1 bonus = 1 UAH), exchanged for chances to win great gifts or donated directly to the Armed Forces of Ukraine The entire Sense SuperApp is available on just 5 buttons of the main menu: • Desktop — your accounts, operations, templates and history • Products — all already issued products and what the bank can still offer • Profile — full personalization: you can choose the language and style of communication; 2 modes (dark/light); 2 types of messages (Push and SMS); download your own sounds, change the wallpapers of the Desktop and your profile photo • Now — inner media about finances, lifestyle and bank news • Chat/ Video chat — online support 24/7 Full-scale individual entrepreneurship: • Business account for the individual entrepreneur: tax payments, money withdrawal to a personal card, sale of currency, opening of accounts in foreign currencies, business card issuing and management Using Sense is convenient: • Swift payments to more than 3000 organizations, utilities, mobile balance top-up with no additional charge, QR code payments • Ability to create templates for payments and transfers • Unique “Drag’n’Drop” function — drag one of the shortcuts onto the other to make payments even faster • “Raise money” service — if you have to split the bill in a cafe or chip in for the birthday present • Tokens and subscriptions management — control all your subscriptions and delete the token if necessary so that your money is not debited from the card • Personal financial manager — view the statistics by expenses categories, choose your expenses plans and let Sense make a forecast and warn you in case of non-compliance • Account statements and receipts — you can issue and receive them immediately to use

Google Play Store
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Finance

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IKO

Download the latest version of the free IKO application (electronic banking service) and use your bank account at PKO Bank Polski or Inteligo. The IKO app on your phone means fast and secure finances any day. Activate the IKO app and take avail of the available functionalities: BANK ACCOUNTS: - account balance, history and details of all bank accounts, - transfer to any domestic account number via Elixir or as an instant transfer, - transfer based on data scanned from an invoice or from a QR code in an invoice, - bank transfer by phone, - bank transfer to Tax Office, - foreign transfer, - standing orders and a series of transfers, - cash withdrawals from ATMs using the BLIK code, - cash deposits (at selected ATMs) to your own or another IKO user’s bank account using the BLIK code, - pre-paid phone top-ups, - send a transfer request to another user, - “piggy banks” to set money aside for any purpose, - generate transfer confirmations, - preview of unexecuted transactions (pending and canceled/rejected), - applying for: a bank account (personal, savings and foreign currency*), an account overdraft*. CARDS: - history, details and images of your debit and credit cards, - card management: activation, PIN assignment, change limits, temporary card freeze, restricting the card (with the option of getting a new one*), a change of card image, - multi-currency card service*, - transfer from a credit card, - repay utilized credit card limit, - credit card as a payments source for BLIK online & in-store payments. LOANS: - schedule and details of borrowings, - apply for a loan*. TERM DEPOSITS: - details of term deposits, - open and terminate term deposits. INSURANCE: - purchase travel and vehicle insurance*. PAYMENTS: - contactless payments by phone with NFC**, - in store payments using the BLIK code/check, - online payments with the BLIK code/check, also without copying the code in trusted online stores and browsers (Shopping without the BLIK code), - create and share BLIK checks. ADDITIONAL FUNCTIONALITIES: - mobile authorization, - public transport tickets, - parking fee, - "Join our cause": standing orders for charitable purposes, - push notifications, - localisation (also in the background) - currency exchange*, - 4 languages: Polish, English, Russian, Ukrainian, - IKO personalization: change the main screen view and product names (accounts, deposits, loans), - save and restore personalized application settings after re-installing IKO, - option to simultaneously activate IKO and iPKO using the first login password, - fingerprint login (Android 6.0 and a fingerprint reader required), - shortcut button to favorite functions on the home screen, - create and share QR codes with transfer details, - currency exchange rates, - map of PKO Bank Polski branches, ATMs and stores supporting BLIK payments. For more on IKO go to iko.pkobp.pl/iko_en For more on IKO activation go to iko.pkobp.pl/iko_en/activation * Not available for Inteligo customers. ** Contactless payments are available for phones with NFC and minimum Android 4.4 to individual customers with a PKO Bank Polski, including Inteligo, debit or credit card. Contactless payments are not available on the so-called “rooted" devices, i.e. those on which manufacturer's security has been removed.