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IKE ranking 2026

Where to open an IKE: we calculate the annual cost of an IKE at every broker in your scenario. Below, the contribution limit and the rules from the act, with a source for every number.

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Brokers in the ranking: 3 of 25

Order: the annual cost of an IKE in the scenario in the sentence above, cheapest first. At equal cost, the broker with the better IKE and IKZE block score is higher. Brokers whose IKE cost we can’t work out are lower and get no place. How we work out the score and the cost

The ranking is independent. Partner links don't affect the order or the scores.

No. 1
BM mBanku

BM mBanku

IKE

Annual cost
18.00 zł
IKE and IKZE
10.0/10
Foreign ETFs in IKE
Yes
Same fees as a regular account
Yes
Open an account
No. 2
XTB

XTB

IKE

Annual cost
90.00 zł
IKE and IKZE
10.0/10
Foreign ETFs in IKE
Yes
Same fees as a regular account
Yes
Open an account

Kontrakty CFD są złożonymi instrumentami i wiążą się z dużym ryzykiem szybkiej utraty środków pieniężnych z powodu dźwigni finansowej. 77% rachunków inwestorów detalicznych odnotowuje straty pieniężne w wyniku handlu kontraktami CFD u niniejszego dostawcy CFD. Zastanów się, czy rozumiesz, jak działają kontrakty CFD, i czy możesz pozwolić sobie na wysokie ryzyko utraty pieniędzy.

No. 3
DM BOŚ (bossa)

DM BOŚ (bossa)

IKE

Annual cost
185.52 zł
IKE and IKZE
10.0/10
Foreign ETFs in IKE
Yes
Same fees as a regular account
No data
Open an account

Kontrakty CFD są złożonymi instrumentami i wiążą się z dużym ryzykiem szybkiej utraty środków pieniężnych z powodu dźwigni finansowej. 68% rachunków inwestorów detalicznych odnotowuje straty pieniężne w wyniku handlu kontraktami CFD u niniejszego dostawcy. Zastanów się, czy rozumiesz, jak działają kontrakty CFD, i czy możesz pozwolić sobie na wysokie ryzyko utraty pieniędzy.

Offer IKE, but we can’t work out the cost

Confirmed IKE fees for this scenario are missing, so we give no place.

Not a fit for your scenario

  • BM BNP ParibasBM BNP Paribasno IKE
  • DEGIRODEGIROno IKE
  • eToroeTorono IKE
  • EXANTEEXANTEno IKE
  • Freedom24Freedom24no IKE
  • Interactive BrokersInteractive Brokersno IKE
  • BM INGBM INGHas an IKE, but not with this instrument: change what you buy in the sentence above
  • LYNXLYNXno IKE
  • BM Banku MillenniumBM Banku Millenniumno IKE
  • N26N26no IKE
  • Noble SecuritiesNoble SecuritiesHas an IKE, but not with this instrument: change what you buy in the sentence above
  • OANDA TMSOANDA TMSno IKE
  • BM PekaoBM Pekaono IKE
  • BM PKO BPBM PKO BPHas an IKE, but not with this instrument: change what you buy in the sentence above
  • RevolutRevolutno IKE
  • SaxoSaxono IKE
  • Trade RepublicTrade Republicno IKE
  • Trading 212Trading 212no IKE
  • UniCreditUniCreditno IKE

IKE rules in 2026

IKE contribution limit for 2026
28,260.00 zł
Gains on IKE exempt from tax
Yes
IKE: tax-free payout from the age of
60 years
IKE: age with pension rights
55 years
IKE: calendar years with payments, at least
5
IKE: tax on the gain on an early withdrawal
19%

Brokers with IKE

9 of the 25 brokers we check.

See also

Frequently asked questions

What is the IKE contribution limit in 2026?

In 2026 you can pay up to 28,260.00 zł into your IKE.

Is IKE profit subject to Belka tax?

No, if you withdraw after turning 60 years (or 55 years with pension rights) and paid into the IKE in at least 5 calendar years, or paid in more than half of the money at least 5 years before the withdrawal. An early refund is taxed at 19% of the profit.

Where can I open an IKE?

9 of the 25 brokers we check offer IKE: Alior Biuro Maklerskie, bossa (DM BOŚ), DM BDM, Erste Biuro Maklerskie, ING Makler, mBank eMakler, Noble Securities, PKO BP Supermakler, XTB. The ranking above compares their annual cost in your scenario.

Can I buy foreign ETFs in an IKE?

Foreign stocks and ETFs in IKE are offered by: Alior Biuro Maklerskie, bossa (DM BOŚ), DM BDM, Erste Biuro Maklerskie, mBank eMakler, XTB.