Mój BIK - bezpieczne finanse

In the My BIK app, you can check your credit history and BIK score at any time. You can also calculate your chances of getting a loan using the BIK Credit Analyzer. You'll also learn about fraudulent attempts to obtain your information. You can also protect your loved ones.

Free of charge, you receive:

• Calculate your chances of getting a loan using the BIK Credit Analyzer, which is the only calculator on the market that takes into account your credit history—information that banks also look at when making credit decisions.

• BIK notifications, which include general information about changes to your data in BIK or BIG InfoMonitor.

• Ability to block your ID card, useful in the event of loss or theft.

Paid offer:

You can decide whether to use an individual offer or provide protection for your loved ones as well.

With each paid option, you get:

• BIK Report - all information from BIK and BIG InfoMonitor about your loans and credits

• BIK Alerts - text messages about fraud attempts using your personal data and delays in your loan repayments. You'll also receive information if your information is found on the dark web. You'll receive advice on what to do in such a situation.

• BIK Score, which helps you look at your credit history from the lender's perspective.

• Indicators that show whether you have or have had delays in repaying your debts. You can also check your repayment details.

• The ability to see in detail what affects your chances of getting a loan. To do this, you need a current BIK Report (i.e., no older than 48 hours). You'll also receive advice on how to improve it.

Choose the subscription that best suits your needs!

Offer for you - PLN 79.99/quarter:

• You can check your BIK Report (detailed information about your loans and credits) as often as you like, with no additional fees. This gives you full control over your obligations.

• You can better protect yourself against fraud thanks to BIK Alerts.

• You always have an up-to-date BIK score, which helps you see yourself as a borrower through the bank's eyes.

• You can use the BIK Credit Analyzer without limits, which allows you to calculate your chances of getting a loan based on BIK data, which banks also look at when making credit decisions.

Offer for you and your loved ones - from PLN 139.99/year:

• BIK Alerts for you and up to 4 dependents - thanks to them, you betterprotect yourself and your loved ones against fraud. Each of you receives BIK Alerts about yourself. You, as a guardian, will also receive an SMS when one of your dependents receives a BIK Alert (to help block potential fraud).

• You can all use BIK Reports and the BIK Credit Analyzer. The number of reports available depends on the selected offer.

• Each family member has their own BIK account, which provides access to all functionalities, including always up-to-date indicators that help assess creditworthiness.