Individual Retirement Account
POL-IKE
Individual Retirement Account – POL-IKE offers:
- 0.00 PLN for account maintenance,
- no capital gains tax deductions.
Benefits of IKE:
- It allows you to take care of your future independently.
- Even small but regularly deposited amounts can yield income over a longer period that will ensure the expected standard of living in retirement.
- Funds accumulated in POL-IKE are exempt from the "savings tax", which means that in the event of withdrawing money from the account (upon meeting the conditions related to acquiring retirement rights), we will not pay tax on interest.
- There is no obligation to make regular deposits; the frequency of deposits depends on the saver.
Who is POL-IKE for:
- The contract for opening and maintaining POL-IKE can be concluded by any adult individual.
- Only one person can be the holder of a POL-IKE account.
- The legislator has introduced a maximum amount of annual contributions. In 2025, this amount is 26,019 PLN.
Conditions for opening POL-IKE:
- Submitting a statement that you are not the holder of another IKE (in any financial institution).
- If you have an IKE – you must provide confirmation that the client will make a transfer payment and a statement that in the current year the saver has not made such a payment to a retirement program.
- For individuals over 55 years of age – a statement that in the current calendar year the client has not made a withdrawal from IKE.
- A saver who has made a withdrawal from IKE cannot re-establish IKE at any financial institution.
Do you already have a personal account? Great! Now you can take advantage of the personal account credit offer. It’s a convenient solution that provides access to additional funds when you need them the most.