XTB announced plans to launch IKZE accounts, extending its retirement offer after the success of IKE. See what changes for investors and when the new product starts.
XTB introduces IKZE – what do we already know?
XTB, one of the largest brokers in Poland, is preparing to launch the Individual Pension Insurance Accounts (IKZE). This is the next step after the introduction of IKE, which has met with a great interest of investors. The new product is intended to complement the third pillar offer, allowing customers to benefit from preferential tax conditions and wide access to global markets.
When does IKZE start in XTB?
The revised XTB rules already include records of IKZE accounts. The new rules will enter into force on 28 June 2025, but the account start itself is not yet set for that day – it is rather preparing the ground for a new service. According to XTB, the goal is to launch IKZE in the second quarter of 2025, although the exact date has not yet been given.
Implementation schedule
- 28 June 2025 – Changes in the rules and preparation of infrastructure
- 2nd quarter 2025 – planned launch of IKZE accounts for XTB customers
What is IKZE and why is it worth it?
IKZE (Individual Pension Insurance Account) is a pension product of the third pillar, allowing regular lay-off for the future. The key advantage of IKZE is tax relief – contributions can be deducted from the tax base and capital gains are exempt from tax on payment after reaching the retirement age.
Benefits of IKZE:
- Deduction of PIT contributions
- Belka tax exemption on payment after 65 years of age
- Flexibility of deposits and a wide range of investment instruments
Pension offer XTB – IKE and IKZE
XTB już teraz oferuje Indywidualne Konto Emerytalne (IKE), które umożliwia inwestowanie w shares i ETF-y z całego świata bez prowizji do 100 tys. euro miesięcznego obrotu. Klienci mogą korzystać z nowoczesnej aplikacji, inwestować nawet niewielkie kwoty dzięki akcjom ułamkowym i cieszyć się oprocentowaniem wolnych środków.
Comparison of IKE and IKZE in XTB
| Characteristics | IKE in XTB | IKZE in XTB (planned) |
|---|---|---|
| Tax credit | Belka tax exemption | Deduction of contributions from PIT |
| Availability | Available | 2nd quarter 2025 (plan) |
| Instruments | Actions, ETF-y, rynki globalne | Similar range (expected) |
| No commission | Up to 100 000 euro/month | Yes (expected) |
What does that mean for investors?
The introduction of IKZE by XTB is good news for people who want to actively build pension security using modern investment tools. XTB focuses on wide access to markets, lack of commissions and simple service – this may be a strong impulse to further develop the pension market in Poland.
XTB has consistently developed the offer of pension products to meet the growing expectations of investors. The Prime Minister of IKZE is coming soon – it is worth following further broker messages and preparing for new opportunities to save for retirement.
