PeoPay

**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.