POL – IKZE - Bank Spółdzielczy w Szczytnie

Individual Retirement Security Account

 POL-IKZE

Individual Retirement Security Account – POL-IKZE is a savings account intended for voluntary accumulation of funds for additional retirement.

   Benefits of IKZE:

  • tax relief (PIT) – contributions to POL-IKZE made in a given tax year can be deducted from the taxable income in the PIT declaration;
  • no “Belka tax” – accumulating funds without capital gains tax;
  • 0 PLN for opening and maintaining the account,
  • freedom to choose the start of saving (it's important to make contributions for at least 5 arbitrary years),
  • flexibility of the amount and frequency of contributions within the annual limit*,
  • full access to the accumulated funds at any time during saving,
  • inheritance of funds – no inheritance and donation tax;
  • security of accumulated funds – guarantee of the Bank Guarantee Fund

Contribution limits in the year 2025

  • 15,611.40 PLN for individuals running non-agricultural business activity (1.8 times the average projected monthly salary in the national economy for the given year);
  • 10,407.60 PLN for individuals not running non-agricultural business (1.2 times the average projected monthly salary in the national economy for the given year)

For Whom POL-IKZE:

  • A contract to open and maintain POL-IKZE can be concluded by any individual who is at least 16 years old.
  • Only one person can hold the POL-IKZE account.

 Conditions for opening POL-IKZE:

  • Submitting an application to open POL-IKZE.
  • Submitting a declaration of not accumulating funds in IKZE at another financial institution or regarding accumulated IKZE funds at another financial institution while providing the name of that institution and confirming that a transfer payout will be made.
  • If having IKZE – submitting a declaration that the Client will make a transfer payout while providing the name of the financial institution.

Do you already have a personal account? Great! Now you can take advantage of the personal account loan offer. It’s a convenient solution that provides access to additional funds when you need them most.  

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