2025-08-13 20:31
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2025-08-13 20:31
I would like to get from 60 to 100 billion zlotys during the first 3 years of functioning of personal investment accounts (OKI) – said the Minister of Finance and Economy on Wednesday, Andrzej Domański. He added that he plans to use such a solution himself.
Domański emphasized on Wednesday on Polsat News that the idea of introducing oki draws, among others from the Swedish pattern, where 40 percent use such a solution. adult citizens of this country.
He added that he would encourage Poles to set up such accounts. “Of course, I also plan to use such an account myself,” he assured.
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According to Domański, the personal investment accounts program would be of great interest, if during the first 3 years of their functioning, from 60 to 100 billion PLN.
“I would like to get from 60 to 100 billion in OKI in the first 3 years, I would think that there is (this – PAP) a program that enjoys sufficiently great interest of Poles, that this effect for the economy is also positive (…)” – he said.
At the beginning of August, Minister Andrzej Domański announced that his ministry is planning to introduce a personal investment account. Investments on this account up to 100,000 PLN are not to be taxed, including 25,000 PLN can be allocated to the savings part, i.e. deposits and bonds. Assets above the limit of funds are to be covered by tax in the amount of below 1 percent. According to the ministry, the solution would be available in the second half of 2026.
OKI are to encourage Poles to invest on the capital market. The account is to be voluntary, and access to funds – unlimited, i.e. paying them out at any time. OKI will be able to invest in all assets available on regulated markets, e.g. shares and bonds. Tax calculated on assets above the limit of 100,000 PLN is to be calculated on the basis of tax on capital gains and interest rates on annual or 3-year tax papers. The Ministry of Finance admitted that the tax “may be movable”, but on average it is to amount to 0.8 percent. asset values. The average value of assets accumulated on the account is to be calculated in a monthly or quarterly period.
Tax on capital gains was introduced in Poland in 2002 by the then Minister of Finance Marek Belka, who performed this function in the government of Leszek Miller. The popular name of Danina – Belka's tax – came from his name. It includes income from bonds, bank deposits and profits from the sale of securities, i.e., e.g. fund units or shares. The tax rate is 19 percent. The method of collection and tax settlement depends on the type of assets from which it is charged.
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