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You are here: Home SupportSupport centerFAQ Pensions at ESALIENS (IKE, IKZE)

Pensions at ESALIENS (IKE, IKZE)

How to transfer your IKE from another institution to ESALIENS?

Step 1.

Open IKE with ESALIENS. There are 4 ways to do it and make a transfer withdrawal:

    a) Online at ESALIENS24.pl ,

    b) At ESALIENS registered office in Warsaw, ul. Bielańska 12,

    c) Fill a form of the IKE agreement which is available at the website and send it to ESALIENS address. The form has to bear the signature that has been authenticated by a civil law notary,

    d)  At the client service centres of CitiHandlowy (bank’s clients), CDM Pekao S.A., Deutsche Bank Polska S.A., Mbank.

Upon the opening of IKE the transfer agent shall send the confirmation of the fact that the agreement has been concluded with the indication of bank account no. to perform transfer withdrawal.

Step 2.

Go to the institution which manages your IKE / PPE and file an application for a transfer withdrawal. You should take with you the confirmation of concluding the IKE agreement  that you received from ESALIENS.


Step 3.

File the application for a transfer withdrawal from your current IKE to the IKE with ESALIENS.


Step 4.

The funds should be credited on your IKE account at ESALIENS. 



Is there any fee charged when transferring the funds?

In the case of a transfer withdrawal made from other institutions to the IKE with ESALIENS or from an employee pension scheme (PPE) to the IKE with ESALIENS a processing fee of the maximum amount equal to PLN 750 is chargeable.

What is the amount of payments that is exempt from capital gains tax?

The payments performed by the holder of IKE in a calendar year cannot exceed three times the amount of a projected average monthly remuneration in the national economy for the particular year, specified in the budget legislation or in the interim budget legislation or bills of budget legislation or interim budget legislation if relevant acts have not been passed. In the case when the amount will be lower than the amount from the previous calendar year, then the latter amount shall be applicable.

In 2017 an IKE holder may pay into their Individual Retirement Account (IKE) up to PLN 12 789 (this is the maximum amount, you may pay less) and get the possibility to avoid the capital gains tax in the future.

Is the cost of opening the IKE at fund’s distributors the same as through ESALIENS website or at the registered office of ESALIENS?

The initial fee for opening the IKE with ESALIENS is maximum PLN 750.

I work abroad but I file my tax return in Poland. Can I open the IKE  with ESALIENS or purchase fund’s participation units?

In this case you may open the IKE using the form "Agreement on maintenance of IKE with Legg Mason funds". The filled form should be sent to Legg Mason. It is required that the signature affixed on the form has to be authenticated by a civil law notary. In the case when the IKE agreement is concluded abroad and the signature authentication  is made in a foreign language, you need to attach one of the following documents:

    a) apostille (attached or placed in the document) of an authority or an institution entitled to do so in the case of countries being a party to the Hague Convention of 5 October 1961 Abolishing the Requirement of Legalisation for Foreign Public Documents (hereinafter referred to as Convention).
    b) In the case of countries that are not the parties to the Convention, the document should be authenticated by a Polish diplomatic representation or Polish consular office.

The competence of the office that should authenticate the documents in a particular case should be established based on the country where the clients resides.
The documents made in a foreign language should be translated into Polish by a certified translator. Also the apostille needs to be translated into Polish if it was not made in English.

What is IKZE?

IKZE is the Individual Retirement Protection Account, a flexible financial solution which helps to accumulate capital for your future. IKZE gives you the possibility not only to secure the financial future for yourself and your close ones but also to gain tax preferences.

What tax preferences can I get when saving on IKZE?

When saving on IKZE you may receive at least 2 types of tax relief:

   a) Income tax relief – it is closely connected with the amount you pay into your IKZE account in a calendar year and the tax bracket applicable for you. The total amount of payments made during a year (up to the maximum limit of payments in 2017 which is PLN 5,115.60) you can deduct from the taxable income and that way you may decrease the amount of your tax burden.
   b) Exemption from a capital gains tax – when making withdrawals/returns from IKZE the capital gains tax is not calculated, while a person saving on a standard deposit has to be aware of the applicable 19% capital gains tax.

Our IKZE calculator may help you to estimate your tax preferences resulting from IKZE. The calculator is available in Polish version only at: http://www.esaliens.pl/kalkulator-ikze.html




How much does IKZE cost?

The maintenance of IKZE, additional payments as well as the withdrawal or return after 12 months of the date of concluding the IKZE agreement will be performed out of charge. A withdrawal or return made within first 12 months of the date of concluding the IKZE agreement is subject to a processing fee in the amount of PLN 200. A one-off cost connected with opening of the Individual Retirement Protection Account (IKZE) is maximum PLN 750.

How often and in what amount one has to make payments to the IKZE?

The amount of a single payment depends on the IKZE holder (within the annual limit of payments – PLN 5,115.60 in 2017). The payment cannot be however lower than PLN 100. The exception is the first payment which has to be minimum PLN 1.000. You may make payments as often as you wish. You get the freedom of making that decision!

Can I save on IKZE with my wife/husband?

No, the Act on Individual Retirement Accounts (IKE) and Individual Retirement Protection Accounts (IKZE) stipulates that only one person may save on one IKZE.

Can I hold several IKZE accounts?

No, each saving person is allowed to hold only 1 IKZE.

How to transfer my IKZE from another institution to ESALIENS?

Step 1.
Open the IKZE with ESALIENS. It’s simple. You can do it in one of the 4 ways presented below:
e) Go to ESALIENS24.pl and register yourself in the ESALIENS24.pl web service.
f) Or come in person  to ESALIENS TFI office in Warsaw, ul. Bielańska 12,
g) Or fill a form of the IKZE agreement which you can find at http://www.esaliens.pl/formularze-zlecen.html  and send it to ESALIENS address. The form has to bear the signature that has been authenticated by a civil law notary,
h)  Or go to an office of a distributor: Dom Kredytowy Notus SA, OVB Allfinanz Polska Spółka Finansowa Sp. z o.o., Aegon Services Sp. z o.o.

Upon the opening of IKZE you will receive by traditional mail the confirmation of the fact that the agreement has been concluded with the indication of bank account no. to perform transfer withdrawal.

Step 2.
Take the confirmation of concluding the IKZE agreement  that you received from ESALIENS and go to the institution which manages your IKZE

Step 3.
File the application for a transfer withdrawal from your current IKZE to the new one with ESALIENS.

Is there any fee charged when transferring the funds from another institution that manages my IKZE to the one with ESALIENS?

In the case of a transfer withdrawal  to the IKZE with ESALIENS a standard processing fee of maximum PLN 750. Learn more about that in question: "How much does IKZE cost".

What is the limit of payments on IKZE?

You may pay into the IKZE maximum PLN 5,115.60 in 2017. The limit of payments is determined by the Minister of Labour and Social Policy and is the same for all IKZE holders.

Are there any age limits to open IKZE?

You may open IKZE even when you turn 16. There is no maximum age limit.

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