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z ratami w IKEA

IKEA installments are equal monthly installments always payable by 5. dnia danego miesiąca. Wysokość raty oraz indywidualny numer rachunku bankowego znajdziesz w Umowie. The exception is the last installment, i.e. equalization installment. Before its repayment date, you will receive an e-mail from us, with the exact amount.

Our Customer Service Team will be happy to answer all your questions and concerns. Write to us: obsluga.klienta@ikano.pl or call: 22 43 15 600.
We can assist you Monday through Friday from 9:00 am to 5:00 pm.

You will find the due date of the first installment in the loan agreement.

Goods can be returned in accordance with IKEA’s return policy.

After receiving a positive credit decision, you will be automatically redirected to the stage of identity verification and finalization of the credit agreement. You will sign the contract online using an SMS code that you will receive on the phone number you provided in the application. Once the deal is done, you have 3 business days to complete your purchase.

Important! Don’t plan to buy in the next 3 business days? Make a deal no earlier than 3 days before your planned IKEA shopping date (preferably do it on the day of your visit to the store). You have 30 days to do so. That’s how important your credit decision is. You will receive a link to the contract finalization process at the email address you provided in the application.

Your monthly earnings should be a minimum of PLN 1,000 net.

Minimum period of employment:
– employment contract – none,
– contract of mandate – 3 months,
– active business activity in Poland – 6 months,
– fixed-term employment contract must be valid for a minimum of 3 months from the date of application entry,

We will ask for proof of your income for loans over PLN 33,000.

For purchases up to PLN 33,000, you need:
– the planned amount of purchases at IKEA,
– data from your Polish ID card
– address, phone number, and VAT or REGON number of your employer,
– source and amount of income,
– access to your personal account or a cell phone with photo-verification capabilities (if you decide to confirm your identity using the photo-verification method).

In justified cases, we may ask you to provide additional documents necessary for a credit decision.

For a loan over PLN 33,000, we will additionally ask you to confirm your income. You can use a certificate of employment and income (remember that the certificate from your employer must contain the data placed on the Ikano Bank certificate template).

Ikano Bank does not honor the e-card. According to the Terms of Service of the mIdentity service, this application only allows you to view and retrieve data from two registers: PESEL and the Personal Data Registry.
As a result, this application is not a document, and only a financial institution can use such documents when verifying identity. In addition, according to paragraph 8 of the regulations, the application uses a “reduced quality photo.” Thus, it is not an identity document.

All furniture, accessories, and services from £300 to £50,000. You can check the prices of the services here. Just add their price to the amount of your purchases in the credit application.

Before you start filling out the online application, check the prices of the products you want to buy on installments in the store or on IKEA.co.uk. You can also find out the prices of products using the IKEA app, which you can easily download to your phone.

The credit decision is valid for 30 days, however, once the credit agreement is signed, purchases must be completed within 3 business days, otherwise you will need to reapply. If you want to fill out the application at home and sign the contract remotely, remember that you can conclude the contract no earlier than 3 business days before your scheduled visit to the IKEA store.

The maximum time to submit an application is 60 minutes until the identity verification procedure begins.

After reviewing the contract, you conclude it with an SMS code that you will receive on the phone number you provided.

You can submit your application 24 hours a day, 7 days a week.
You will receive a decision on the spot, and in exceptional situations it will take up to a dozen minutes.

The page containing the online form has a secure ssl connection along with a Secure Global Sign trust certificate. Your data is safe.

The waiting time for verification of the installment application may take a few minutes, in some cases it will be longer if, for example, we need additional documents from you.

The documents are visible in the credit application. They should be reviewed and confirmed.
They can be downloaded and saved to your phone. After signing, the password-protected documents will go to your email inbox.

Technical requirements:
Ikano Bank’s loan application system is supported by all the most popular web browsers (except Internet Explorer). We encourage you to use the most up-to-date versions of the following browsers:
Chrome (45.x and higher),
Firefox (38.x and higher),
Edge (11.x and higher),
Opera (30.x and higher),
Safari (9.x and higher).
For mobile devices, choose the standard settings of iOS (version 9.x and higher) or Android (version 4.4x and higher).

After completing the form you have the opportunity to check the data, if it is wrong you can return to the form to correct it.
If the form has already been sent then you can correct only the first name, last name and data from the ID card. If you made a mistake in another area of data and no longer have the opportunity to correct it, this involves submitting a new application.

Contact our hotline, tel. 22 431 56 00.

We will ask you to transfer £1 from your bank account or verify against your bank account information (AIS) to confirm your identity. This will allow us to make sure that the installment application is filled out by the person whose data was provided in the application.

Verification involves making a transfer of PLN 1 via a fast electronic payment. The transfer data will generate automatically, without interrupting the application process. PLN 1 will be returned to your account.
We will not see your account balance or transactions. It is important that the transfer is made from your personal account. We do not accept a corporate account. If you share a personal account, the application should be submitted by the first co-owner of the account.

We provide the possibility to make a transfer for 1 zloty from the following banks:
Credit Agricole,
mBank,
Getin Noble Bank,
T-mobile Usługi Bankowe,
Santander Bank,
Bank Pekao SA,
BOŚ Bank,
Alior Bank,
ING Bank Śląski (between 1:00-20:00 Monday through Saturday),
Bank Millennium,
PKO Bank Polski,
Inteligo,
Bank Pocztowy,
Neo Bank,
Nest Bank.

Not all banks provide the necessary information to verify identity in time to reprocess the application. Sometimes your bank is conducting technical work, which may cause it to disappear from the list of banks that provide this method of identity verification. Then you should submit a village during the availability of your bank.

Yes, if your bank provides this option in the app.

AIS verification involves automatic access to the applicant’s bank account information. The application should be submitted by the account owner. If you share a personal account, the application should be submitted by the first co-owner of the account. Your data and access will be safe, it is not stored – you log directly into your bank account. In addition, your connection to the bank is encrypted with a special protocol, which prevents possible interception of data.

List of banks that allow verification based on bank account data:
BNP Paribas
Credit Agricole
mBank
Getin Noble Bank
T-mobile Usługi Bankowe
Santander Bank
Bank Pekao SA
Alior Bank
ING Bank Śląski
Bank Millennium
Bank Pocztowy

Verification transfer or AIS verification can only be done by clicking on the bank icon. A message will appear redirecting you to the bank’s website, where, after logging in, you will make a transfer or perform AIS verification. After verification, you will return to the page where you applied and there you will receive a decision.

Photo-verification involves automatically reading data from your ID card and biometric verification of your face using your smartphone’s camera.
For the photo-verification process, you need your ID card and a smartphone. You will be asked to scan a QR code or provide a phone number, take a photo of your ID card and perform a simple task (selfie, head movement or connecting the dots).
Remember! The proof photo must be of very good quality, preferably with a solid background. A random task should be performed in a very good light.

After verification by one of the methods, you should be redirected to the application page. Sometimes you have to wait a while. At this time: do not refresh the page, do not exit with a cross, do not go back with an arrow. Then wait for the credit decision and conclude the contract by sms code.
Attention! This can take up to a few minutes, depending on how long it takes to get a response from your bank.

We will ask you for confirmation of your income for a loan over PLN 33,000. You can use a certificate of employment and income (remember that the certificate from your employer must contain the data placed on the Ikano Bank certificate template).

Provide the following:
– bank statement or account history for the last 3 months
or
– certificate of employment and income (original) along with the bank statement or account history for the last 3 months
or
– proof of salary receipt in the account for the last 3 months

Provide the following:
– agreements/contracts and receipts made within the last 6 months
or
– receipts confirming the performance of the assignment/work for the last 6 months
or
– bank statement for the last 6 months

Provide the following:
– pension award decision or stating the current value of the pension
or
– pension certificate from the Social Insurance Institution (ZUS/KRUS)
or
– last or penultimate pension slip (counting from the date of the loan application)
or
– bank statement from the last month (or other document from the bank confirming receipt of the pension into the bank account)

Provide the following:
– pension award decision (stating the duration of the benefit) and a current benefit adjustment decision
or
– pension award decision (stating the duration of the benefit) and confirmation of receipt of the benefit to the account
or
– certificate from ZUS/KRUS about the amount and duration of the pension

Provide the following:
– the decision granting the pension or determining its amount

Provide:
– pension decision
and
– decision on last pension adjustment

Provide the following:
– pension award decision and confirmation of the last month’s benefit receipt in your account

Provide:
– PIT-36 or PIT-36L for the previous year with confirmation of its submission to the U.S.
and
– proofs of income tax payments to the U.S. from the beginning of the current year to the month preceding the month of credit application submission

Provide:
– PIT 28 for the previous year with confirmation of its submission to the US
and
– proofs of income tax payments to the US from the beginning of the current year to the month preceding the month of the loan application submission

You need to provide:
– the US decision for the current tax year setting the amount of income tax in the form of tax card
and
– the history of the company or personal account with visible advances to the US for income tax for the previous year or a certificate from the US about paid advances for income tax for the current year

Provide the following:
– current employment contract/contract (original) + bank statement for the last 12 months showing receipts from maritime contracts
or
– copy of current contract + copies of previous contracts for the last 12 months + bank statement for the last 12 months showing receipts from maritime contracts
or
– certificate from the employment agency on the period of commissioning and income for the last 12 months (broken down by month)

You must provide:

– a tax payment order stating the number of hectares owned
or
– a certificate from the municipality office on the ownership or lease of the farm, income (or the number of hectares owned)
or
– agreements/contracts with receipts/invoices for the supply of agricultural crops, confirming the fact of receipt of income in the last 12 months
and
– confirmation of transfers to the account from invoices for the supply of agricultural crops for the last 12 months
and
– certificate from the municipality on the ownership of a farm, income (or number of hectares of converted)

Provide:
– certificate of average monthly income for the last 6 months, confirmed by the curia or supreme ecclesiastical authority competent for the denomination
or
– copy of the PIT for the last year on account of flat tax for clergy or
– certificate of income in connection with gainful activity

Provide:
– current rental agreements and previous rental agreements, if any, to document the required rental period
– and
– a copy of the PIT tax return for the most recent tax year with proof of filing with the US, and
– proofs of income tax payments to the US for the period from the beginning of the current year to the month preceding the month of loan application submission

The due date of the first installment is indicated in your Credit Agreement.

IKEA installments are equal monthly installments always payable by 5. dnia danego miesiąca. Wysokość raty oraz indywidualny numer rachunku bankowego znajdziesz w Umowie. The exception is the last installment, i.e. equalization installment. Before its repayment date, you will receive an e-mail from us, with the exact amount.

After signing the loan agreement, you will receive your copy of the agreement, which contains detailed information about your loan, including. information on how and when you will repay the loan.
In order to protect the environment, we inform you that we do not send paper repayment blanks.

Our Customer Service Team will be happy to answer all your questions and concerns. Write to us: obsluga.klienta@ikano.pl or call: 22 43 15 600.
We can assist you Monday through Friday from 9:00 am to 5:00 pm.

Before the account number for loan repayment, type “PL”, and in the field requiring the SWIFT code, type: PPABPLPKXXX. Enter the rest of the data as for a regular domestic transfer.

The insurance protects you against the inability to repay the loan for the purchased goods in case of difficult life situations, such as death, total disability or (depending on the insurance variant) loss of work, temporary inability to work or serious illness.
In addition, the Insurer will pay you compensation if the purchased goods are damaged or lost.
A detailed description of the individual benefits and the conditions for their granting are specified in the General Terms and Conditions of the Life and Employment Insurance “IKEA Loan Repayment”.

In the event of your death, the Insurer will pay the equivalent of the outstanding loan amount and an additional amount of PLN 3,000 to the person you indicate in the insurance application.

In the event of total disability, the Insurer will pay you the equivalent of the outstanding loan amount.

In case of temporary inability to work, the Insurer will pay you the equivalent of a monthly loan installment, as long as the inability to work confirmed by a medical certificate continues, but not more than 6 monthly installments.

If you lose your job, the Insurer will pay you the equivalent of the monthly loan installment as long as you have the status of an unemployed person with the right to receive benefits, up to a maximum of 6 installments.

In the event of a serious illness, the Insurer will pay you a one-time benefit of 12 monthly loan installments required immediately after the date of the insured event according to the loan repayment schedule.

Serious illness is one of the following: heart attack, stroke, kidney failure, cancer, surgical coronary bypass. The serious illness must be confirmed by a medical diagnosis and not be the result of a pre-existing condition (i.e., diagnosed or treated within 24 calendar months prior to the date of insurance enrollment).

This is insurance of credited goods against the risk of inadvertent damage within 120 days from the date of the receipt or loss due to theft or robbery. In the above cases, the insurer will pay you compensation in the amount indicated on the receipt.

Yes, it is a sum insured of PLN 50,000.

A claim can be made by any person. Remember, however, that we can only provide information about the claim you have made to authorized persons, i.e. To the Insured or, in the event of the Insured’s death, to the person named in the insurance application or to the Insured’s heirs.
The benefit/indemnity is paid in accordance with the provisions of the General Terms and Conditions of Insurance.

The amount and terms of benefits are determined by the provisions of the General Terms and Conditions of Life and Employment Insurance “IKEA Loan Repayment”, which you will receive before concluding the contract.

After signing the agreement, complete the shopping cart and go to the installment desk at the IKEA store. There you will receive a payment specification, which you will show at the checkout to the store employee.

You have 3 business days to complete your purchases from the day you sign the contract.

If you cannot pick up your purchases in person, you can authorize someone else to pick them up. You will receive a specimen power of attorney, which should include data from the identity document of the authorized person, at the Installment Point. In order to pick up your purchases, the person you authorize will need to present an ID and a power of attorney at checkout.

Goods can be returned in accordance with IKEA’s return policy.