Poland's Ministry of Finance outlined plans to introduce a voluntary Personal Investment Account (OKI) designed to encourage longer-term investing and support the development of the domestic capital market. Under the proposal, savers would be able to invest up to PLN 100,000 tax-free through the account. The tax-free allowance would include a savings portion of up to PLN 25,000 that could be placed in bank deposits and savings bonds, with the combined tax-free limit for investments and savings capped at PLN 100,000. Amounts above PLN 100,000 would be subject to a low assets tax of 0.8% to 0.9% of the value of investments. Eligible investments would include financial instruments admitted to trading on a regulated market or introduced to an alternative trading system, as well as investment funds. Further stages of a broader package to support investment and capital market development are expected to be presented later this year.
Ministry of Finance (Poland) 2025-08-05
Poland's Ministry of Finance proposes a Personal Investment Account allowing tax-free investing up to PLN 100,000
Poland's Ministry of Finance plans to introduce a voluntary Personal Investment Account (OKI) to promote long-term investing and bolster the domestic capital market. The account allows tax-free investments up to PLN 100,000, with a savings portion capped at PLN 25,000. Investments exceeding PLN 100,000 will incur a low assets tax of 0.8% to 0.9%.