XTB has announced plans to launch IKZE accounts, extending its retirement offering after the success of IKE. Find out what changes for investors and when the new product arrives.
XTB introduces IKZE – what do we already know?
XTB, one of the largest brokers in Poland, is preparing to launch Individual Retirement Security Accounts (IKZE). This is the next step after the introduction of IKE, which attracted considerable interest from investors. The new product is meant to complete the offering of the third pillar, giving clients access to preferential tax conditions and broad access to global markets.
When will IKZE launch at XTB?
XTB’s amended regulations already include provisions concerning IKZE accounts. The new rules will take effect on 28 June 2025, but the actual launch of the account is not yet confirmed for that day – it is rather groundwork for the new service. As XTB reports, 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 to the regulations and preparation of infrastructure
- Q2 2025 – planned launch of IKZE accounts for XTB clients
What is IKZE and why is it worth it?
IKZE (Individual Retirement Security Account) is a third-pillar retirement product that allows regular saving 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 withdrawal after reaching retirement age.
Benefits of IKZE:
- Deduction of contributions from PIT income tax
- Exemption from the Belka tax on withdrawals after age 65
- Flexible contributions and a wide choice of investment instruments
XTB retirement offering – IKE and IKZE
XTB already offers Individual Retirement Accounts (IKE), which allow investing in shares and ETFs from around the world without commission on monthly turnover of up to EUR 100 thousand. Clients can use a modern app, invest even small amounts through fractional shares, and earn interest on free cash balances.
Comparison of IKE and IKZE at XTB
| Feature | IKE at XTB | IKZE at XTB (planned) |
|---|---|---|
| Tax relief | Exemption from the Belka tax | Deduction of contributions from PIT |
| Availability | Already available | Q2 2025 (planned) |
| Instruments | Shares, ETFs, global markets | Similar range (expected) |
| No commission | Up to EUR 100 thousand/month | Yes (expected) |
What does this mean for investors?
The introduction of IKZE by XTB is good news for people who want to actively build retirement security using modern investment tools. XTB focuses on broad market access, no commissions and simple service – this could be a strong impulse for further development of the retirement market in Poland.
XTB is consistently developing its retirement product offering, responding to growing investor expectations. The IKZE launch is coming soon – it is worth following the broker’s further announcements and preparing for new savings opportunities for retirement.
