Blik is a payment system in Poland that allows users to make instant payments and withdraw cash using only the user's standard mobile banking app. The system allows to make online and in-store purchases and to transfer money in real time between bank accounts and ATMs, including cash withdrawal from ATMs, without the need of a payment card. Transactions are uniquely identified by a 6-digit one-time code, valid for 2 minutes, which the user generates and authenticates in their mobile banking app. The code can then be typed in online, entered on the ATM screen, or typed by the payment recipient in their mobile app. The resulting payments are near instant.