• Your transfer order is individually analysed by our security systems.
  • After a quick analysis we assess how to authorise the transaction and if your authorisation is necessary.

Authorisation methods

Mobile authorisation

Confirmation of a transaction in the Moje ING mobile application

See how it works

One time SMS code

Is sent to a mobile phone number you indicated.

See how it works

PIN authorization

For example, if you make a transfer in the application, we may ask you to confirm it with the PIN code – the same one you are using to logging in to the application.

How it works?



When you make ordering in the mobile application, e.g. a transfer, we may ask you for authorization consists of using PIN code.



If the details of your order match, enter the PIN - the same one which you logging in to the application, and confirm the order.



That's it.

Mobile authorisation

If you make your transfer through a computer, we may ask you to authorise it in the mobile app.
This method of authorisation is possible if you use the Moje ING mobile application.

What does mobile authorisation consist in?



If you make your transfer through a computer, you may be asked to authorise it in the mobile app.



Log into the app. You will receive information with the transaction details.



If the transaction details are correct – just confirm it.

Why you should use it?

Don't you have a Moje ING mobile app?

Get it now and start using mobile authorisation.

Find out more

Frequently asked questions

Authorisation with a one time SMS code

The method enables authorisation of transfers made through a computer or mobile phone.

How does it work?



If you make a transfer through a computer or mobile phone, you may be asked to provide a SMS code.

The code is generated for one particular transaction and is valid for 3 minutes.



The code will be sent to a mobile phone number that was indicated in Moje ING.

Together with the code, you will receive information on the transfer’s amount and 2 first and 3 last digits of recipient account.



Check if the information is correct. Enter the code and confirm the translation. Ready.

Frequently asked questions

  • How can I authorise a transaction abroad?

    Your place of stay has no impact on the instruction authorisation. You can receive an authorisation code using a mobile from a Polish or foreign mobile operator or calling to the HaloŚląski service: +48 (32) 205 44 43.

  • How can I authorise a transaction if I do not have my mobile with me or my mobile does not work?

    In such cases, you may authorise your transaction via HaloŚląski website, provided that an active number of the HaloŚląski Customer to obtain one time codes had been defined earlier.

  • How does a text message with an authorisation code look like?

    A SMS code contains information on the executed instruction, one time code, date and time.
    An example of the content of the SMS:

    ING Bank. Check the AMOUNT and the ACCOUNT NUMBER. An authorisation code for a transfer from the account number 79 XXX 981 for 533.00 is: 12345678**YYYY.MM.DD**hh:mm:ss.

    NOTE! The code should be entered without asterisks.

    As a standard, a SMS code is sent by the Bank from an alphanumeric number, i.e. “ING”. In case of foreign mobile network operators that have no technical possibilities to provide a text message from alphanumeric numbers (i.e. “ING”) or treat such text messages as SPAM – the Bank sends a SMS code from a usual number +48 661 001 206 or +48 503 498 127.
    Also in emergency situations a SMS code sent from the Bank to a Polish mobile operator’ number may be sent from a regular number, i.e. +48 661 001 206 or  +48 503 498 127.
    Remember to check carefully if the data received with the authorisation code is compliant with the executed instruction (in case of a transfer – account number, amount).

    In case of instructions related to an account number (e.g. saving a transfer template) or cards (e.g. card activation), the full number of the account or the card will not be provided in the text message. Presentation of an account number: 12 XXX 123. Presentation of a card number: 1234 XXXX XXXX 1234.


  • How does the screen to enter the authorisation code look like?

    The screen looks as follow:

    Note! If the Bank classifies the transaction as “non-standard”, it may want you to provide the second authorisation code (for the same transaction).

    What does the message “Incorrect authorisation code” mean?

    If you provide an incorrect transaction authorisation code, a message “Incorrect authorisation code” will be displayed. Check carefully if the code you typed is correct.

    If you do not enter any authorisation code, a message “enter authorisation code” will be displayed until you provide the authorisation code.


  • What if my mobile phone is stolen? Can an authorisation code sent by the Bank be taken over?

    Attempts to extort money from Customers’ accounts are made remotely. An on-line offender has no direct contact with the victim. The offender is often in a completely different city or even country. The risk of taking over an access password and a turned-on mobile phone at the same time is low. If your mobile phone is stolen, you should report it to the Bank either calling to the infoline or going to the Bank’s branch to block the access to the service.

  • Which instructions require confirmation with one time authorisation code?

    The Bank decides if the instruction needs to be authorised with a code. Each transaction is classified by a module of the model risk assessment of the executed instruction. With regard to the security of on-line transactions made by the Internet Banking System, the full algorithm on the basis of which the Bank decides if a particular instruction has to be authorised is confidential. The fact that the algorithm according to which transactions are selected to authorisation is not disclosed is an additional advantage of the solution.

    In the view of the above, you should be always ready to authorise your instructions with an authorisation code (you can receive it in a text message to a mobile phone number indicated by you or via the HaloŚląski telephone service.

  • Why does the Bank use one time SMS code as an authorisation method?

    An authorisation method via one time code sent in a text message is better than a method based on entering passwords from a one time code list (in a paper form or as a scratch card). It has the following advantages:

    • The use of authorisation codes provides high level of online transaction security.
    • Only one particular executed instruction can be confirmed with one authorisation code.
    • The Bank generates a new authorisation code for each instruction that requires authorisation.
    • The decision if a given instruction needs to be confirmed with a SMS code is preceded with an analysis of each executed instruction. Only low-risk instructions do not require codes. All other instructions have to be authorised.
    • An authorisation code provided by the Bank contains information on the relevant transaction, which makes it possible for you to check what instruction is going to be executed once it will be confirmed with an authorisation code. 

    Remember: Always check if the authorisation code you have received relates to the instruction you had submitted.

    • The authorisation code is valid for a short time. However, this time is enough to receive the code and confirm the instruction (30 minutes from making the authorisation code available by the Bank).
    • Systems based on one time passwords are more resistant to new threats to the Internet Banking than systems based on fixed passwords.
    • Introduction of a new method was preceded with a detailed analysis of threats to the Internet Banking, of security mechanisms and their resistance to these threats

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