Profil:
GPW SAPolish govt want to adopt bill on Personal Investment Accounts in Q3 2025 - MinFin
Polish government wants to adopt a bill in the third quarter of 2025 on the creation of a new form of saving and investing in the form of a Personal Investment Accounts (OKI) for individuals, according to the list of legislative and programmatic work of the Council of Ministers.
As indicated in the list of works, the account is to be personal and voluntary, with the possibility of depositing and withdrawing funds at any time, and this solution is intended to motivate voluntary investment while ensuring that savers have full control over their funds in the OKI.
Funds at voluntary Personal Investment Accounts exceeding PLN 100,000 (EUR 23,400) are to be taxed at a rate of 0.8-0.9 percent.
Only new funds up to PLN 100,000 will be tax-exempt in the OKI, i.e. if someone wanted to avoid paying capital gains tax, they would have to sell their assets and deposit them in the OKI.
Within the OKI, it will be possible to invest in instruments admitted to trading on a regulated market or introduced to an alternative trading system, as well as investment funds (shares, bonds, ETFs, etc.).
In the savings part of the OKI, it will be possible to open deposits and subscribe for savings bonds (up to PLN 25,000 or EUR 5,842 in savings without tax).
OKI will be run by financial institutions that currently operate IKE and IKZE, i.e. brokerage houses and banks.
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