Make your dreams a reality!
Achieve your dream home with an IKEA loan

IKEA loan is equal monthly installments always payable by the 5th day of a given month. You will find the installment amount and individual bank account number in the agreement.
The amount of the last installment may slightly differ from the other installments. Before paying the last installment, i.e. the Equalization Installment, we will inform you of its amount at least 7 days before its payment date.

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 help you Monday through Friday from 9:00 am to 5:00 pm.

If you would like to check your loan balance, complete the uzupełnij formularz.

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

Goods can be returned according to IKEA’s return policy.

Once you have signed the loan agreement and received the documents by e-mail, visit the IKEA store of your choice. Once you have collected your items, go to the Installment Point with your Polish ID card to pick up your payment specifications. With your purchases and the specification, go to the checkout and enjoy your new furniture and accessories that will transform your apartment.
Important – the specification you pick up is valid only on the day of issue and involves the realization of purchases on the same day. If you decide not to complete the purchase on that day, it will be necessary to collect a new payment specification up to three business days after the conclusion of the contract.

Monthly earnings at a minimum of PLN 1,000 net.

Minimum length 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.

We will ask for confirmation of your income for loans above PLN 33,000.

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

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

For loans above PLN 33,000, we will also ask you to confirm your income. You can use a certificate of employment and income (remember that the certificate from your employer must contain data included in the Ikano Bank certificate template).

Ikano Bank does not accept e-ID.

Starting from June 1, 2024, we check if your PESEL number is restricted. If you have a restricted PESEL, we will not be able to approve your loan application.

Legal basis: The Act of July 7, 2023, on amending certain acts to limit some effects of identity theft (Journal of Laws 2023, item 1394).

You can apply for financing of all IKEA products with a minimum total sum of PLN 300 and a maximum of PLN 50,000. You can also credit their delivery/collection and kitchen installation – you can check the prices of services here.
Just add their price to the amount of your purchases in the loan application.

Before starting to fill out the online application, check the prices of products you want to buy on installments in the store or on the IKEA.pl website. 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, after signing the credit agreement, you must make purchases within 3 business days, otherwise, you will need to submit a new application. If you want to fill out the application at home and sign the agreement remotely, remember that you can only do so no earlier than 3 business days before your planned visit to the IKEA store.

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

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

You can submit the application 24 hours a day, 7 days a week. You will receive a decision immediately, and in exceptional situations, it may take several minutes.

Your data is secure. The online form page has a secure SSL connection along with a Secure Global Sign trust certificate.

The waiting time for verifying the loan application may take a few minutes, and in some cases, it may take longer if, for example, we need additional documents from you.

Documents are visible in the credit application. You should review and confirm them.

You can download and save them on your phone. After signing, the documents will be sent to your email inbox protected by a password.

Technical requirements:
The Ikano Bank credit application system is supported by the most popular web browsers (except Internet Explorer). We recommend using the most up-to-date versions of 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, select standard iOS settings (version 9.x and higher) or Android (version 4.4x and higher).

After completing the form, you have the option to check the data. If there are any errors, you can return to the form to correct them.
If the form has already been submitted, you can only correct your first name, last name, and ID card details. If you made a mistake in other data fields and no longer have the option to correct them, you will need to submit a new application.

Contact our hotline at 22 431 56 00.

To confirm your identity we will ask you to transfer 1 PLN from your bank account or verify bank account data (AIS). This will allow us to ensure that the installment application is filled out by the person whose details were provided in the application.

Verification involves making a transfer of 1 PLN using fast electronic payment. The transfer details will be generated automatically, without interrupting the application process. We will refund the 1 PLN to your account.
We will not see the balance of your account or transactions. It is important that the transfer is made from your personal account. We do not accept business accounts. If you share a personal account, the application should be submitted by the primary account holder.

We provide the option to make a 1 PLN transfer 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 (from 1:00 to 20:00 from Monday to Saturday),
Bank Millennium,
PKO Bank Polski,
Inteligo,
Bank Pocztowy,
Neo Bank.

Not all banks provide the necessary information for identity verification in a timely manner to process 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. In that case, you should submit the application when your bank is available.

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

AIS verification involves automatic access to information about the bank account of the applicant. The application should be submitted by the account owner. If you share a personal account, the application should be submitted by the primary account holder. Your data and access will be secure, they are not stored – you log directly into your bank account. Additionally, your connection to the bank is encrypted with a special protocol, preventing any data interception.

The 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.

The verification transfer or AIS verification can only be done by clicking on the bank icon. A message will appear to redirect you to the bank’s website, where you will log in, make the transfer, or verify using AIS. After verification, you will return to the application page and receive a credit decision there.

Photo verification involves automatically reading data from your ID card and biometric face verification using the camera on your smartphone.
To perform the photo verification process, you will need your ID card and a smartphone. We will ask you to scan the QR code or provide a phone number, take a photo of your ID card , and perform a simple task (selfie, head movement, or connecting dots).

Remember! The photo of the ID card must be of very good quality, preferably on a uniform background. The random task should be performed in very good lighting.

After verification is completed, you should be redirected to the application page. Sometimes you may need to wait a moment. During this time: do not refresh the page, do not close with an “X”, do not go back with an arrow. Then wait for the credit decision and sign the agreement with an SMS code.

Note! This may take several minutes, depending on the waiting time for a response from your bank.

We will ask you to confirm your income for loans above 33,000 PLN. You can use an employment and income certificate (remember that the certificate from your employer must contain the data specified in the Ikano Bank certificate template).

You must provide:
– Bank statement or account history from the last 3 months
or
– Employment and income certificate (original) along with a bank statement or account history from the last 3 months
or
– Confirmation of salary deposits into the account for the last 3 months

You must provide:
– Contracts/agreements and invoices from the last 6 months
or
– Invoices confirming the execution of mandates/work for the last 6 months
or
– Bank account statement from the last 6 months

You must provide:
– Decision on granting a pension or determining its current value
or
– Certificate from ZUS/KRUS stating the pension amount
or
– Last or second-to-last pension payment slip (counting from the date of the loan application)
or
– Bank statement from the last month (or another bank document confirming the pension deposit)

You must provide:
– Decision on granting the pension (specifying the period of entitlement) and the current pension adjustment decision
or
– Decision on granting the pension (specifying the period of entitlement) and confirmation of pension receipt into the account
or
– Certificate from ZUS/KRUS about the amount and period of the pension

You must provide:
– Decision on granting the pension or specifying its amount

You must provide:
– Decision on granting the pension
and
– Decision on the last pension adjustment

You must provide:
– Decision on granting the pension/retirement benefits and confirmation of the last month’s benefit deposit into the account

You must provide:
– PIT-36 or PIT-36L for the previous year along with confirmation of its submission to the Tax Office
and
– Evidence of income tax payments to the Tax Office from the beginning of the current year up to the month preceding the month of submitting the loan application

You must provide:
– PIT 28 for the previous year along with confirmation of its submission to the Tax Office
and
– Evidence of income tax payments to the Tax Office from the beginning of the current year up to the month preceding the month of submitting the loan application

You must need to provide:
– Tax Office decision for the current tax year determining the amount of income tax in the form of a tax card
and
– Business or personal bank account history showing paid tax advances to the Tax Office for the previous year or a certificate from the Tax Office confirming paid tax advances for the current year.

You must need to provide:
– Current employment contract/contract (original) + bank statement from the last 12 months showing income from maritime sailor contracts
or
– Copy of the current contract + copies of previous contracts from the last 12 months + bank statement from the last 12 months showing income from maritime sailor contracts
or
– Certificate from the employment agency about the period of embarkation sailing and income from the last 12 months (broken down by individual months each month)

You must need to provide:
– Tax Payment order for tax containing information about the number of hectares
or
– Certificate from the commune local council office confirming ownership or leasing of the farm, income (or the number of hectares owned)
or
– Contracts/agreements along with invoices for the delivery of agricultural products, confirming the fact of generating income received in the last 12 months
and
– Confirmation of transfers to the account from invoices for the delivery of agricultural products from for the last 12 months
and
– Certificate from the commune office local council confirming ownership of the farm, income (or the number of hectares owned)

You must need to provide:
– Certificate of the average monthly income from for the last 6 months, confirmed by appropriate church authority for the respective denomination the curia or the highest ecclesiastical authority appropriate for the given denomination
or
– Copy of PIT for the last tax year for the flat-rate tax for clergy
or
– Certificate of income related to gainful activity from employment

You must need to provide:
– Current lease agreements and any previous lease agreements to document the required rental period
and
– Copy of the PIT tax return for the last tax year with confirmation of submission to the Tax Office
and
– Evidence Proof of income tax payments to the Tax Office for the period from the beginning of the current year to the month preceding the month of submitting the loan application

The due date for the first installment payment is specified in your credit agreement.

IKEA loan is equal monthly installments always payable by the 5th day of a given month. You will find the installment amount and your individual bank account number in the Agreement.
The amount of the last installment may slightly differ from the other installments. Before paying the last installment, i.e. the Equalization Installment, we will inform you of its amount at least 7 days before its payment date.

Once you sign the loan agreement, you will receive your copy of the agreement by e-mail you provided, which contains detailed information about your loan, including information on how and when you will repay the loan. You will also receive a loan repayment schedule in the mail.
Considering the environment we do not send paper repayment forms.

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 help you Monday through Friday from 9:00 am to 5:00 pm.

If you would like to check your loan balance, complete the uzupełnij formularz.

The insurance protects you from being unable to repay your loan for the purchased goods in case of difficult life situations such as death, total incapacity to work, or (depending on the insurance variant) loss of employment, temporary incapacity to work, or serious illness. Additionally, the insurer will compensate you if the purchased goods are damaged or lost. The detailed description of individual benefits and terms and conditions for their granting are specified in the General Terms and Conditions of Life Insurance and Risk of Unemployment “IKEA Loan Repayment”.

In the event of your death, the insurer will pay out benefits to the person you designate in the insurance application. They will receive the remaining amount of the loan to be repaid, plus an additional amount sum of PLN 3000.

In case of total incapacity to work, the insurer will pay up the remaining amount of the loan to be repaid.

In case of temporary incapacity to work, the insurer will pay you the equivalent of the monthly loan installment for as long as the incapacity to work persists, confirmed by a medical certificate, but not exceeding 6 monthly installments.

In case of the loss of employment, the insurer will pay you the equivalent of the monthly loan installment for as long as you remain unemployed and eligible for benefits, for a maximum of 6 installments.

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

Serious illness includes one of the following diseases: heart attack, stroke, kidney failure, cancer, coronary artery bypass surgery. Serious illness must be confirmed by a medical diagnosis and not be a result of a previously existing illness (i.e., diagnosed or treated within 24 calendar months prior to the commencement of insurance).

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

Yes, the sum insured is PLN 50 000.

A claim can be reported by any person, however, remember that information about the reported claim can only be provided to authorized persons, i.e., the Insured or, in the event of death of the Insured, the person indicated in the insurance application or the heirs of the Insured. The compensation is paid in accordance with the provisions of the General Terms and Conditions of Life Insurance and Risk of Unemployment “IKEA Loan Repayment”.

The amount and conditions for granting benefits are specified in the provisions of the General Terms and Conditions of Life Insurance and Risk of Unemployment “IKEA Loan Repayment”, which you will receive before concluding the agreement.

Once you have collected your items, go to the Installment Point with your Polish ID card to pick up your payment specifications. With your purchases and specifications, go to the checkout and enjoy your new furniture and accessories that will transform your apartment.

You have 3 business days to make your purchases from the day of signing the agreement.

If you are unable to pick up your purchases in person, you can authorize someone else to do so. At the installment point you will receive a sample of power of attorney, which should include details from the authorized person’s identity document. To collect the purchases, the person authorized have to present the ID and the power of attorney at the checkout.

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

No, no app is needed to confirm installment purchases with a BLIK check.
You will receive your BLIK check number and all necessary information and documents at the email address provided in the application.
You can validate your BLIK check at the checkout in an IKEA store using the PIN code provided in the text message.