Blik

BLIK is a Polish mobile payment system launched in 2015. It is operated by Polski Standard Płatności (PSP). Blik enables users to make instant payments online and in retail stores, withdraw cash from ATMs, and transfer money, primarily using their bank's mobile application. As of June 2024, Blik reported nearly 17 million active users. For the full year 2024, it processed 2.4 billion transactions, amounting to a total value of approximately 350 billion Polish złoty (PLN). Polski Standard Płatności (PSP), a company established by an alliance of six Polish banks, launched Blik in February 2015. PSP is a member of the European Mobile Payment Systems Association. Between 2019 and 2020, Polish police reported fraud incidents involving Blik ATM withdrawals. These typically occurred when perpetrators gained access to a victim's social media account, requested Blik codes from the victim's contacts under false pretenses for a loan, and then used these codes for cash withdrawals. Between May 2022 and May 2024, Poland's Central Bureau for Combating Cybercrime dismantled a larger organized group of eleven people operating in Poland and Germany that used phishing websites mimicking well-known news portals to hijack victims' Facebook accounts and extract one-time Blik codes for fraudulent transactions.