Individual Retirement Account
POL-IKE
Individual Retirement Account – POL-IKE includes:
- 0.00 PLN for account maintenance,
- no withholding tax on capital gains.
Benefits of IKE:
- Allows you to take care of your future independently.
- Even small but regularly deposited amounts can bring returns over a longer period of time, ensuring the expected standard of living in retirement.
- Funds accumulated in POL-IKE are exempt from the "savings tax", which means that when withdrawing money from the account (after fulfilling 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:
- Any adult individual can enter into a contract for opening and maintaining POL-IKE.
- Only one person can be the account holder of POL-IKE.
- The legislator has introduced a maximum amount for annual deposits. In 2024, this amount is 23,472 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 – submitting confirmation that the Client will make a transfer withdrawal and a statement that in the current year the saver has not made such a withdrawal to the retirement program.
- For individuals over 55 years old – a statement that in the current calendar year the Client has not made a withdrawal from IKE.
- A saver who has withdrawn funds from IKE cannot open an IKE again in any financial institution.
Do you already have a personal account? Great! Now you can take advantage of the offer of a credit in a personal account. It is a convenient solution that provides access to additional funds when you need them the most.