Last updated: 23 April 2021
As exciting as new fintech startups are, these companies have a lot of work to do before their product is on par with established brands and services. That’s why more and more banks have taken a more innovative approach, looking to use their influence and resources to come up with new payment methods. Such is the case with BLIK, the Polish version of Interac. Also created by a consortium of banks, this platform was fueled by the growth of mobile payments in Poland. Since many people already had bank accounts, adopting BLIK was a smooth experience for everyone. Even online casinos such as LVbet have adopted it.
And that’s precisely what we’re going to cover today – whether or not BLIK has what it takes to be your go-to option for deposits at the best Polish casinos. We’ll take a look at their background and functionalities, along with a special emphasis on the top BLIK casino sites and their bonuses. Strap in and prepare for liftoff!
BLIK was started in 2015 by a company called Polish Payment Standard (PPS). This entity isn’t your average financial services provider. It’s actually a consortium, comprised of six of the biggest banks in Poland: Alior Bank, PKO Bank Polski, Santander Bank Polska, Bank Millennium, mBank, and ING Bank Śląski. While it may be weird to see competing financial institutions team up, the primary goal of BLIK was to stop these banks from cannibalizing each other’s customer base, all while providing a more accessible way of completing payments.
After the initial release of BLIK, several other banks joined the fold: such as Bank Pekao, Spółdzielcza Grupa Bankowa, Grupa BPS, Credit Agricole, BMP Paribas, and few more. The growing list of member-banks meant that customers would have no problems managing their funds, regardless of where they’ve opened a bank account.
Other than the BLIK app, the platform was developed to have several other functionalities, such as in-store payments, P2P transfers, and only using your phone number as a means of identification. Due to the growth of BLIK, both casino players and online shoppers could engage in inter-bank transfers, without any gargantuan fees, paperwork, or anything else people associate with doing business outside of your own bank.
In 2019, they added a Payment Request feature. A year later, BLIK officially became a member of the European Mobile Payment systems Association (EMPSA). TWINT, Bancomat Pay, and Swish are some of the members of this prestigious organization. All of these credentials and accomplishments have propelled BLIK to true superstardom in Poland, but its lack of availability in other regions have restricted it to a niche status on the European market.
As of 2020, BLIK is still only available in Poland. This means that only online casinos that accept Polish players can offer this payment method. Of course, this is a shame, given how usable and popular BLIK is. However, it wouldn’t be really fair to lambast the platform because of that. It was, after all, created by Polish banks, as a means of making payments easier for Polish citizens.
Despite their initial Poland-only stance, PPS has been making strides in the field of international expansion. In November 2019, PPS signed an agreement with PPRO, a British platform that specializes in helping payment service providers (PSPs) obtain licenses to operate beyond their national borders. It also assists merchants in increasing their array of payment platforms. To date, PPRO has collaborated with more than 140 different payment methods, including giants such as PayPal, VISA, and MasterCard. The result of the aforementioned agreement means that BLIK will be available worldwide, to both customers and merchants.
April 2020 saw another change when Mastercard became a minor shareholder of PPS, BLIK’s parent company. This allowed for BLIK to be used in the form of contactless payments, both in Poland and abroad. The authentication of each individual payment is to be executed within both BLIK and individual eBanking apps, along with an added level of security due to the MasterCard Digital Enablement Service (MDES) tokenization protocol. Thus, you can expect to see BLIK being accepted at the best European casinos sometime in the future. As of now, the only supported currency is PLN.
Check whether your bank is a member
One of the best things about BLIK is that it doesn’t require you to create an account. The only thing you really need is to check the official website of either BLIK or PPS and see if your bank is a member of this consortium.
No registration required
Keep in mind that BLIK is not an eWallet, despite the fact that they offer plenty of services and features similar to eWallets. They are merely a payment processing platform, designed to serve as an intermediary and a security buffer.
Visit the casino Cashier and select BLIK
You see, BLIK effectively hides your information from online casinos. Once you select it as your payment method of choice, you will do most of your business in your bank’s app.
Finalise the deposit in the BLIK app
Enter a six-digit code to confirm the transaction and the money will be in your casino account within seconds. If you like your transactions simple and straightforward, BLIK is indubitably one of the best options around. You don’t have to remember any extra usernames or passwords, making your online life just a tad bit easier.
Unlike most intermediary-type payment methods, BLIK is available for both deposits and withdrawals. Since it’s connected to your bank account and app, there are sufficient conditions for storing funds where they regularly would be – in your account.
Another thing we liked about BLIK was that you can make deposits very easily, with much fewer steps than most payment methods. Here’s how to make casino deposits with BLIK:
- Head over to your casino’s Deposit section.
- Once there, pick BLIK as your payment method of choice and the amount of money you wish to deposit (remember, only PLN is available).
- You will be given a BLIK code and redirected to your eBanking account/app. Enter the code and confirm the transaction.
- The money should be in your account instantly, and you can start playing.
See how easy that was? Not only does BLIK care about efficiency, but we’re also quite fond of the code system. You can never go overboard with security, and BLIK walks the fine line between unsafe and safe, but obtrusive. Great job.
Unfortunately, BLIK cannot be used for casino withdrawals, but you can use regular bank transfer for cashing out your winnings.
Here’s where it gets tricky. In a vacuum, using BLIK doesn’t incur any additional fees. Having this platform as an intermediary between merchants (online casinos in this case) and customers is free of charge for customers. As its customary, merchants have to give up a cut of every transaction if they wish to accept BLIK payments.
While all of this is usual, things change when you realize that you’re also dealing with your bank. Since withdrawing money via BLIK is possible at many ATMs in Poland, your bank might charge you a small fee, usually 3-5 PLN. Thankfully, this isn’t a large fee that you have to plan around, but it’s still a small downside. Nevertheless, it’s an unavoidable obstacle when transferring money to your bank account. For what it’s worth, BLIK’s advantages are completely worth paying a small fee for withdrawing your winnings.
Because banks are involved in the transaction of your winnings at Polish online casinos, you will have to wait a bit longer than usual. According to our own testing results, the usual waiting period is between 3 and 5 days. Another factor that needs to be taken into account is requesting a withdrawal during weekends, as banks don’t process transactions during this time period.
Also, you might see some casino sites require you to undergo an identity check. This process involves sending a scan of your ID, bank statement, or phone bill. Casinos usually take anywhere between 24 and 48 hours to okay your transfer request. Of course, this only happens with your first withdrawal. It’s not ideal, but sites implement this policy for a reason.
BLIK, by itself, doesn’t have any limits on how much money you can send and receive. This is a rare feature amongst these types of payment methods. It’s one of the main reasons why millions of Poles use it for their everyday shopping, whether it’s online or in-person.
However, you will certainly encounter limits imposed by online casinos. LV BET, for example, has a minimum deposit threshold of 45 PLN, which is equivalent to €10. The maximum amount that you can add to your account is roughly 23,000 PLN, or €5000. The sites we at Casino Banking Methods recommend have varying limits, so it’s best that you use this as one of your main criteria for choosing your next online casino.
BLIK is at the top of the game when it comes to security. Not only do they use SSL encryption to encode all of your transactions, but all requests are handled and manually approved by PPS. Such an approach might be a bit slower than automatic approval, but it’s far safer and allows for better risk management and fraud prevention.
You will also love the fact that all transactions have to be verified by a 6-digit code which is only valid for two minutes. While this is great for security purposes, it’s a hassle if you’re not sure about how much money you want to deposit/withdraw, and you have to double-check. We do hope that they do extend the lifespan of the code to 5-minutes, as it would retain the same level of protection, but add more room for reconsidering your transaction-related choices.
We don’t like BLIK’s way of handling customer support. For starters, finding a way to contact them is a hassle, on both PPS’s and BLIK’s sites. In a day and age where it’s important to be at your customer’s disposal as much as possible, this isn’t a good look. They don’t use live chat, which we see as a big minus. It’s by far the best way of addressing issues, without users needing to head over to another platform.
Sure, you can contact BLIK on Instagram, Facebook, YouTube, and Twitter, but the response times aren’t all that great. One time, we even had our message on Facebook unopened and unanswered by the BLIK team. Email is another option – [email protected] Working hours are unknown, which is also a big negative. How can your customers reach you when they don’t even know when you’re available? We would like to see BLIK improve on this, ASAP.
While there aren’t many player reviews to be seen, the ones that are visible are mostly positive. Users have praised BLIK for its ease of use, and their straightforward way of explaining how things work. Country-wide availability was also mentioned as a big plus, with several mentions of people loving the fact that you can do ATM withdrawals, as well.
The only negatives centred around customer support, just as we suspected. There were also critiques aimed at long waiting times, but these were mostly false convictions. Delays in payouts are due to processing issues at online casinos, not BLIK’s platform. Overall, casino players generally have a good time when using BLIK. While it does have its flaws, it’s nothing uncorrectable, nor something that could be labelled as a deal-breaker.
BLIK has a number of extra features, and the number is constantly growing. We’ll only list the most relevant ones, as well as those that might be of use for casino players.
- BLIK is very involved with small businesses that accept this payment method. You will often see restaurants, libraries, and cafes being advertised as places where you can get a discount if you pay using BLIK.
- In addition to banks, BLIK can also be integrated with payment methods such as PayU, First Data, Tpay, Dotpay, and many others. This lets you use BLIK at pretty much all eCommerce stores in Poland, as well as abroad.
- All ATMs by BLIK member-banks offer withdrawals. You just have to select BLIK as an option at the ATM, enter the code from your bank’s app, and you’re good to go.
- Person-to-person (P2P) transfers are available to account holders at all of BLIK’s member banks. It’s a great way to send and receive money from your friends or business partners.
BLIK is one of the most mobile-capable payment methods we’ve ever tested. After all, the platform was built for mobile use! As such, it’s available for integration with banking apps of all the Polish banks that are members of PPS, BLIK’s parent company.
This gives you a plethora of options and literally next to no restrictions when it comes to using BLIK on your mobile phone. Couple that with the code verification system, and you have a pretty impressive mobile payment platform on your hands. Nice one, BLIK.
- Several banks have now started accepting BLIK deposits at their ATMs, using the same code verification system as with withdrawals.
- In 2019, Poland saw a total of 220 million BLIK transactions.
- You can withdraw money using BLIK at over 20,000 ATMs, which is more than 70% of the country’s total ATM coverage.
- In 2016, BLIK achieved 100% availability at Polish eCommerce stores.
- BLIK won an eDukat award for ‘implementing a form of technology that changed the cashless payment market’ at the 4th International Congress of Non-Cash Payments in 2016.
- At the same congress, two years later, they also won a ‘cashless company of the year’ award.
No, the platform is fully integrated with the best Polish eBanking apps, allowing you to conduct your business through them.
No, BLIK cannot be used for withdrawals yet. You can use bank transfer to cash out.
Absolutely. BLIK uses SSL encryption to protect user data, as well as a mandatory code that needs to be entered into your banking app in order for the transaction to go through. Keep in mind that the code only lasts for 2 minutes, and you have to request a new one once 2 minutes pass. In addition to this, banking apps also use 2FA, which creates an impenetrable security system.
Very! It’s one of the nation’s most popular payment methods and is used for pretty much everything. Even the smallest convenience stores accept it, so it’s no wonder that casino players love to gamble with it, as well.
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