POL-IKZE
Individual Retirement Security Account
Individual Retirement Security Account (IKZE) is a modern tool for individuals who want to consciously build their financial future and take advantage of attractive tax benefits. The funds accumulated in IKZE are your private property, are inheritable, and can be used for any purpose after fulfilling the statutory conditions..
Save wisely. Gain double.
POL-IKZE is a combination of tax relief, absence of Belka tax and investment income potential– that’s why more and more Poles benefit from it every year.
Why is it worth opening POL-IKZE?
✔Favorable interest rate up to 4.25% per annum
✔PIT tax relief
Contributions made in a given year can be deducted from the tax base. As a result, you receive a tax refund from the Tax Office. In 2027, tax refund (PIT) possible, the amount of the refund depends on the tax rate you pay:
- Individuals on the tax scale (12% PIT): By depositing a maximum of 11,304 PLN, you will get back approx. 1,356 PLN (11,304 x 12%).
- Individuals in the second bracket (32% PIT): By depositing a maximum of 11,304 PLN, you will get back approx. 3,617 PLN (11,304 x 32%).
- Self-employed (32% PIT): By depositing a maximum of 16,956 PLN, you will get back approx. 5,425 PLN (16,956 x 32%).
✔No “Belka” tax The accumulated funds work for you without the capital gains tax.
✔Lower tax upon withdrawal
If you contribute for at least 5 consecutive years and make a withdrawal after reaching 65 years of age – you will only pay 10% income tax.
✔0 PLN to open and maintain the account
✔Flexible contributions
You decide on the amount and frequency of transfers – within the annual limits for 2026, you cannot deposit more than 11,304 PLN, and for entrepreneurs 16,956 PLN
✔Full access to funds
You can withdraw your savings at any time (while adhering to tax regulations).
✔Inheritance of funds
You designate the beneficiaries. The funds are transferred without inheritance and gift tax.
✔Security
Your money is protected by Bank Guarantee Fund.
Who is IKZE for?
- for every individual who has reached 16 years of age,
- for all who want to build an additional pension and take advantage of tax relief,
- for people valuing security and stable savings growth.
How to open POL-IKZE?
- Submit an application to open aPOL-IKZE account.
- Present a declaration that you do not have a POL-IKZE account in another institutionorthat you will make a transfer withdrawal.
- If you have POL-IKZE at another location – indicate the institution and request the transfer of funds.
It’s simple, quick, and free of charge.
Start saving for your future today!
We invite you to the branches of the Cooperative Bank in Szczytno and to contact our advisors – we will help you choose the best solution and start saving with tax benefits.
Do you already have a personal account? Great! Now you can take advantage of the personal account credit offer. This is a convenient solution that provides access to additional funds when you need them the most.