PeoPay

**PeoPay: Your Comprehensive Banking Solution** PeoPay is the mobile banking application from Bank Pekao S.A., offering you quick and convenient access to all your banking needs. With PeoPay, you can manage your accounts, pay bills, make purchases, withdraw cash, and even apply for loans, all from your smartphone. **Key Features:** - **Comprehensive Account Access**: View all your accounts and transaction history in one place. Easily search and manage transactions with options for quick transfers directly from your history. - **Secure Authentication**: Authorize transactions with a PIN, fingerprint, or FaceID for secure and convenient banking. - **BLIK Payments**: Use BLIK for instant transfers to phone numbers, quick payments in stores, online purchases, ATM withdrawals, and cash deposits. Enjoy seamless online payments with QR code scanning and the ability to copy BLIK codes directly to memory. - **Easy Transfers**: Make domestic and international transfers, top up your phone, and use Express Elixir for instant transfers. - **Apple Pay Integration**: Add your Bank Pekao card to Apple Pay directly from the PeoPay app for easy mobile payments. - **Loan and Credit Card Applications**: Apply for a cash loan or credit card with just one click. - **Currency Exchange**: Access preferential rates for currency exchange, enabled by your advisor. - **Expense Tracking and Management**: Track your spending with a summary of expenses divided into categories. Manage your debit cards directly within the app, including activation, PIN settings, and transaction limits. - **Investment and Brokerage Services**: Access your investment and brokerage accounts, and check the history of your PekaoTFI fund operations. - **Account Opening**: Not a Bank Pekao client? You can open an account using the PeoPay app with a selfie or by visiting a branch. PeoPay is designed to provide you with a comprehensive banking experience, offering a wide range of features that make managing your finances easy, secure, and convenient.

**PeoPay App User Guide** Welcome to the PeoPay app by Bank Pekao S.A. This guide will help you navigate and utilize the app’s features to manage your finances conveniently and securely. ### 1. **Getting Started** **Download and Install the App:** - Visit the App Store or Google Play Store and search for "PeoPay." - Download and install the app on your mobile device. **Register and Set Up Your Account:** - Open the PeoPay app and log in using your Bank Pekao credentials. - If you do not have an account, you can open one by following the in-app instructions, including the option to open an account using a selfie. - Set up a secure PIN or enable biometric authentication (fingerprint or FaceID) for added security. ### 2. **Managing Your Accounts** **View Account Balances and Transaction History:** - On the main dashboard, you can view your account balances and recent transactions. - Tap on any account to see detailed transaction history and search for specific transactions. **Make Transfers:** - Select “Transfers” from the main menu. - Choose between domestic transfers, international transfers, or Express Elixir for instant transfers. - Enter the recipient’s details, amount, and confirm the transfer using your preferred authentication method. ### 3. **Using BLIK Payments** **BLIK Transfers:** - Tap on “BLIK” from the dashboard. - Choose “Transfer to Phone Number” for instant BLIK transfers or “Pay with BLIK” for store and online payments. - Enter the recipient’s phone number or the BLIK code, and confirm the transaction. **ATM Withdrawals and Deposits:** - Use the BLIK option to withdraw cash from ATMs without a card. Simply generate a BLIK code in the app, enter it at the ATM, and withdraw your cash. - For deposits, find an ATM with the BLIK logo, generate a BLIK code, and deposit your cash. ### 4. **Paying Bills and Managing Payments** **Pay Bills:** - Go to “Payments” from the main menu. - Select the biller or manually enter the payment details. - Confirm the payment and save bill details for future payments. **Schedule Payments:** - Use the “Calendar” feature to view and manage your scheduled payments. - Set up recurring payments to ensure bills are paid on time. ### 5. **Managing Debit and Credit Cards** **Activate and Manage Cards:** - Select “Cards” from the menu to view your debit and credit cards. - Activate new cards, set or change PINs, and adjust transaction limits directly in the app. - You can also block or unblock your cards if needed. **Add Card to Apple Pay:** - From the “Cards” section, tap on the option to add your Bank Pekao card to Apple Pay. - Follow the prompts to complete the setup, allowing you to make mobile payments easily. ### 6. **Applying for Loans and Credit Cards** **Apply for a Loan:** - On the main dashboard, select “Loans.” - Choose the type of loan you need and follow the prompts to complete your application. **Request a Credit Card:** - Go to “Credit Cards” from the menu. - Review available options and apply for a card directly through the app. ### 7. **Currency Exchange** **Exchange Currency:** - Select “Currency Exchange” from the menu. - Choose the currencies you wish to exchange and view the preferential rates offered. - Confirm the transaction to complete the exchange. ### 8. **Investment and Brokerage Services** **Manage Investments:** - Tap on “Investments” to access your investment and brokerage accounts. - View the history of your operations and manage your investment portfolio within the app. ### 9. **Expense Tracking and Budgeting** **Track Expenses:** - Go to “Expenses” to view a summary of your spending, categorized by type. - Use this feature to monitor your spending habits and adjust your budget accordingly. **Set Budgets:** - Create and manage budgets within the “Expenses” section to help control your spending. ### 10. **Getting Help** **Contact Customer Support:** - Access the “Help” section in the app for FAQs and support options. - For immediate assistance, use the in-app chat feature or visit a Bank Pekao branch. With this guide, you can confidently use the PeoPay app to manage your finances, make payments, and access a wide range of banking services with ease.