Quicko Wallet is a digital payment service that works through a mobile app and allows you to create multi-currency accounts and virtual Mastercard cards. After installing the app, the user undergoes identity verification and then gains access to an account with an IBAN in PLN, EUR, or USD. In the app, you can immediately create a virtual card that can be added to Apple Pay, Google Pay, Garmin Pay, or Fitbit Pay for contactless payments. The interface is easy to use: you can manage cards, top up your account, make transfers, and control your expenses in real time. The platform supports major European currencies (PLN, EUR, USD) and allows you to make SEPA transfers and international transactions. Currency transactions are carried out with a minimum commission of 1%, and account replenishment via other cards — with a commission of 1.5%. Cash withdrawals at ATMs within the EU are free within the limits set by the selected tariff. The service does not support hryvnia or cryptocurrencies. Quicko also offers a number of additional features, such as the creation of one-time virtual cards for secure online payments, automatic blocking of suspicious transactions, and push notifications about transactions. All cards support limit settings, blocking, PIN codes, and can be instantly disabled if necessary. The Quicko payment system is regulated by the Polish financial authorities, has the status of a national payment institution, and complies with European security standards, including two-factor authentication and data encryption.