PeoPay vs IKO Usage & Stats

With the PeoPay application you have quick and convenient access to your products at Bank Pekao S.A., you can pay bills, pay for purchases, withdraw cash with BLIK, and even take a loan. New version of PeoPay app is e.g.: • access to all accounts of the customer and their history • transaction authorization with PIN, fingerprint, or FaceID • adding your Bank Pekao card to Apple Pay directly from application • instant transfers Express Elixir • domestic transfers, foreign and telephone top-ups • BLIK transactions – instant transfers directly to telephone number – quick and convenient payments in stationery or internet stores, now also with the possibility to copy BLIK code to memory – internet payments without the necessity to use code again – cash withdrawals from ATMs and terminals (cashback) with BLIK logo – cash deposit in ATMs with deposit option marked with BLIK logointernet payments with QR code scan • cash loan and credit card offer with just a click • currency exchange at preferential rates (access enabled by the Advisor) • percentage or amount balance view before login • individual and company bank account service in one application • transaction history search, transfer directly from history of operations and return transfer PeoPay application enable also: • account opening and applying for products from the application level • summary of expenses divided into categories • internet payments directly from foreign-currency accounts (similar to multi-currency card payments) • calendar of scheduled payments • checking the history of operations of PekaoTFI fund regular accounts • investment and brokerage products • management of debit cards assigned to accounts: activation, PIN setting and changing, changing transaction limits, block / unblock / restrict the card Are you not a Pekao client? Open account by selfie in PeoPay or go to the branch. More information at www.pekao.com.pl

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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.