PKO Bank Polski strengthens verification of online transfers: what is important for Ukrainians to know?

PKO Bank Polski is introducing additional verification of online transactions. Find out when customers need to take a selfie and a photo of a document in the IKO application, as well as the reasons for introducing photo verification

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Poland's largest bank, PKO Bank Polski, is introducing new security measures for online transactions, InPoland.net.pl reports. We tell you in which cases customers will now have to additionally confirm their identity - take a selfie and a photo of their ID directly in the IKO mobile application.

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Why did PKO Bank Polski introduce a new check for online transfers?

The bank explains that the new procedures are aimed at strengthening the protection of customer funds. Particular attention is paid to situations where there is a suspicion that fraudsters are trying to make a transfer or withdraw funds by impersonating the account owner.

Read also about online and offline ways to check for fines in Poland, the consequences of non-payment and how to appeal.

When is photo verification activated in the PKO Bank Polski application?

Additional verification will not apply to all operations. The photo verification mechanism will be activated only in certain cases, in particular when the bank's automated systems:

- Detect unusual financial activity;

- Detect an increased risk of fraud;

- Notice unusual transfer parameters (amount, recipient, place of entry, etc.).

At the same time, the new verification does not replace standard methods of confirming transactions, such as SMS codes or biometric authentication, but complements them.

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How is a transaction confirmed in the PKO Bank Polski application?

If the system determines that additional verification is necessary, the client will receive a corresponding notification when authorizing the transfer. To complete the transaction, you will need to:

- Take a photo of your ID;

- Take a selfie in the IKO application;

- Perform these actions within the time set by the bank.

If the requirements are not met within the specified period, the transaction will be automatically canceled.

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What should PKO Bank Polski customers know about the new rules for confirming transactions?

PKO Bank Polski emphasizes that new security measures are being introduced gradually, and customers will be informed about the changes in advance through the bank's official channels.

Such steps are part of a general trend in Europe to strengthen the protection of online payments and combat financial fraud.

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Let us remind you! Many Ukrainians who have moved to Poland are starting to think about buying a home, getting a loan or additional financing for everyday expenses. However, the rules of Polish banks often differ from those in Ukraine, and the requirements for foreigners are sometimes stricter. We have already told you whether Ukrainians can get a loan in Poland, what conditions must be met and what influences the decisions of banks.

Photo – https://bank.pl/

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