Over 740 m BLIK transactions in the third quarter of 2025

05 listopada 2025

From July to September 2025, BLIK users completed 743.9 m transactions worth PLN 112.3 bn (EUR 26.4 bn). This represents a 19% year-on-year increase in transaction volume and a 26% increase in value compared to the same period last year. In the third quarter, Poles used BLIK an average of 8 m times per day, with a record of over 11 m payments made in a single day. Nearly 20 m users now actively use the system.

The e-commerce segment once again proved to be the most dynamic. In the third quarter, users completed 348.7 m online payments, up 21% year-on-year. The total value of these payments grew by 26% to PLN 54.2 bn (EUR 12.8 bn). The average transaction amount was PLN 156 (EUR 36.7), while for deferred payments BLIK Pay Later, it was slightly higher at PLN 251 (EUR 59).

Since the beginning of the year, BLIK users have already carried out more than 2.1 bn transactions – almost as many as during the entire year 2024. This confirms that we are successfully implementing the ‘BLIK x2’ strategy and maintaining strong growth momentum. Ahead of us is the most active e-commerce quarter, which will certainly strengthen this upward trend. BLIK has become a natural part of Poles’ everyday financial habits, and our next step is to expand within an interoperable, pan-European payment ecosystem.

Katarzyna Matuszczyk, CFO Board Member at BLIK

Growing popularity of POS payments

During the period under review, BLIK continued to strengthen its presence in stationary stores – now one in four transactions is made in this channel. Users completed 188.5 m payments at payment terminals, a 15% increase compared to last year. Every day, Poles made over 2 m in-store payments, with an average transaction value of PLN 59 (EUR 13.9).

A significant share of this result comes from contactless payments, which now account for 48% of all POS transactions. In the third quarter, Poles completed 90.4 m contactless payments (+14% y/y) worth a total of PLN 4.3 bn (EUR 1.01 bn). This option has already been activated by 3.9 m users, and since its launch, contactless BLIK payments have been made in as many as 168 countries. In the last quarter, Samoa, Tonga, and Guyana were added to the list of locations where payments were made using this method.

Over half a billion P2P transactions since the beginning of the year

The popularity of BLIK phone transfers also continues to grow. In the third quarter, users made 186 m such transfers, up 21% from 2024, with an average transaction value of PLN 171 (EUR 40.2). Between July and September, Poles sent money to each other over 2 m times per day.

Steady growth was also observed in ATM transactions. From July to September, 20.7 m operations were completed (+13% y/y), including 17.9 m cash withdrawals and 2.8 m deposits. The average value per transaction was PLN 734 (EUR 172.6).

Nearly 20 m of Poles use BLIK

Since the beginning of 2025, the number of active BLIK users has increased by nearly 1.5 m, reaching 19.9 m at the end of September – 14% more than a year ago. Over the past ten years on the Polish market, BLIK has built an exceptionally strong base of loyal users who regularly use it in a variety of situations – from online and in-store shopping to phone transfers and ATM operations.

We are seeing not only a growing number of users but also increasing frequency of use – in the third quarter, an average of 13 transactions per user per month. This growth is driven by the development of new services such as recurring and deferred payments, now available to customers of more banks. The group of merchants offering the option to enable recurring BLIK payments or defer payment for products and services is also steadily expanding.

Katarzyna Matuszczyk

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BLIK is a common standard for mobile payments. The option to use BLIK in mobile banking applications is now available to virtually every customer of domestic payment institutions offering a mobile app. The company Polski Standard Płatności (PSP) is responsible for developing the system. PSP continuously enhances BLIK’s functionality to make the system as user-friendly and versatile as possible. The shareholders of PSP are Alior Bank, Millennium Bank, Santander Bank Polska, ING Bank Śląski, mBank, PKO Bank Polski, and Mastercard.

Media contact:
Klaudia Rombalska
BLIK Press Office
klaudia.rombalska@clearcom.pl