XTB with a long -announced premiere. IKZE bills available to customers

The XTB brokerage house has introduced long -announced individual pension security accounts – IKZE – enabling the construction of retirement capital with tax benefits. It will be made available to the next clients until the next Monday.

According to the “Mobile First” philosophy professed by XTB, the possibility of creating an IKZE account will be initially available only in the mobile application of the brokerage house. The desktop version is planned for 2026. At the beginning, users will be able to open only new IKZE bills. Moving them from other brokerage houses will become possible until the end of 2025.

IKZE bills will be made available to customers gradually from Tuesday 1 July. During the week they will become available to all users. On IKZE accounts in XTB they will be able to use the standard offer of shares and ETFs, which includes both Polish and foreign instruments.

As for costs, the broker does not charge a commission for trading in shares and ETFs up to EUR 100,000 per month, and after exceeding this limit, it charges a commission of 0.2% (min. 10 EUR). In the case of foreign instruments, the only important cost may be the fee for converting, amounting to XTB 0.5%. Funds on IKE and IKZE accounts in XTB are exempt from the deposit fee.

According to recent changes in the XTB regulations, withdrawals from the IKZE account before the expiry of 12 months from the date of conclusion of the contract for its opening, they will be associated with a fee of PLN 200. The same fee currently operates in relation to IKE accounts.

Benefits of IKZE accounts

The basic difference between IKZE and IKE accounts are the tax benefits offered by the first of these. Payments to IKZE can be deducted from the tax base, which allows you to reduce income tax for a given year.

As in the case of IKE, the profits achieved on investments under IKZE become exempt from the so -called Belka's tax (19% on capital gains) if the funds are paid after the age of 65 by the account holder. An additional condition is making regular payments to IKZE for at least 5 calendar years.

If the above conditions are met, the payment of funds from IKZE is associated with a one -time flat -rate tax of 10% of the value of all capital. This is much more favorable than standard taxation according to the tax scale and taxation of capital gains separately.

The limits of annual payments to IKZE are determined every year on the basis of the forecast average monthly salary in the economy – this is its 1.8 times. Hence, in 2025, the maximum amount that can be funded by the IKZE account is:

• PLN 15,611.40 – for people conducting business activity (the limit is 1.8 times the average salary),
• PLN 10,407.60 – for people who do not run a business (the limit is 1.2 times).

For example, in 2025, an investor who does not conduct business activity may obtain a maximum actual tax refund of PLN 3,330 or PLN 1,249 – depending on the tax rate. According to the data provided by the PFSA at the end of 2024, over 593 thousand used IKZE. Poles, of which 122 thousand accounts were kept in the form of brokerage accounts.

– The introduction of IKZE was a natural step for us in the further development of the offer. After the success of IKE accounts, which have met with great interest of customers, we can clearly see that Poles are increasingly thinking about their financial future and want to invest consciously and effectively. Our goal is for the XTB application to be a place where our clients can work in many ways – commented Omar Arnaout, president of the board of XTB.

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