[krotton]

PayPal (linked to my credit card as well) is #2 for me. Most of the time I use instant transfer services (there are quite a lot of them in Poland, integrated with most banks in the region). My favourite one is Blik (founded mainly by the biggest Polish bank PKO BP, but also supported by most of the others): you start a session, generate a one-time 6-digit code in your bank's mobile application, enter that on the payment site, confirm transfer information on your phone and it's done. I also use it to withdraw cash from ATMs and on some occasions have used it to help my friends pay in emergency situations (they've just called me, I've given them a code, they've entered that, I've confirmed et voila).

[rusk]

That sounds pretty cool

[pndy]

One of the banks here, mBank (leader of online banking as it advertises itself for years) rolled in its usual countless cycle of TOS, table of fees changes an entry saying that starting from month Y on day X all ATM withdrawals below 100PLN (approx. 23€, 27USD) will be charged with 1,30PLN fee unless operation is done with mobile application and Blik system. Prior to that, it was just an alternative for fee-less card withdrawals (well, you had to pay 5PLN for access to ATMs outside mBank network). Other banks got similar rules.

So technically speaking it is cool idea but some of us are forced to use it and if you don't, you're risking withdrawing all money really fast from your account (e-payment may be not available in small cities or in the countryside) or face risk of being eaten by fees. Cashlessness is popular in Poland but it's always good to have real money with you because you never know what may happen.

[rusk]

> ill be charged with 1,30PLN fee unless operation is done with mobile application and Blik system

Over on the Western fringes here, we had a similar push behind "contactless" payments. We also have Apple and Android pay, but nothing as slick as this.

[pndy]

I hope you didn't get me wrong: 1,30PLN is just for ATM withdrawals below 100PLN. You can still pay for stuff with card free of charge (all 3 ways - magnetic stripe, chip or contactless; tho, I won't be surprised if they will start charging fees for card operations in the future).

Apple Pay works here since June 19th, Android Pay since 2016 but since Blik was first (2015) it gained naturally more popularity. We'll see how it withstand Apple Pay as competition

[rusk]

Transaction fees for all payment types except contactless.