Min of Finance announces tax-free Personal Investment Account up to PLN 100,000
Polish Finance Minister Andrzej Domański announced the launch of OKI – Personal Investment Account, a new tool to encourage household investing. OKI will allow Poles to invest up to PLN 100,000 tax-free, while any amount exceeding this limit will face a low flat tax of 0.8–0.9%. The program is set to launch mid-2026.
Funds can be invested in stocks, bonds, ETFs, and other regulated or alternative market instruments, with a portion (up to PLN 25,000) also available for savings deposits and government bonds. OKI is inspired by Scandinavian models and complements existing tax-advantaged products like IKE, IKZE, and family foundations. The initiative aims to stimulate voluntary long-term saving and wealth creation without introducing residential REITs.
