No. 1
IKZE ranking 2026
Where to open an IKZE: we calculate the annual cost of an IKZE at every broker in your scenario. Below, the contribution limit, the PIT relief and the payout 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 IKZE 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 IKZE 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. 2
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
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 IKZE, but we can’t work out the cost
Confirmed IKZE fees for this scenario are missing, so we give no place.
BM Alior BankuNo data
DM BDMNo data
Erste Biuro MaklerskieNo data
BM Banku MillenniumNo data
BM PKO BPNo data
Not a fit for your scenario
BM BNP Paribasno IKZE
DEGIROno IKZE
eTorono IKZE
EXANTEno IKZE
Freedom24no IKZE
Interactive Brokersno IKZE
BM INGHas an IKZE, but not with this instrument: change what you buy in the sentence above
LYNXno IKZE
N26no IKZE
Noble SecuritiesHas an IKZE, but not with this instrument: change what you buy in the sentence above
OANDA TMSno IKZE
BM Pekaono IKZE
Revolutno IKZE
Saxono IKZE
Trade Republicno IKZE
Trading 212no IKZE
UniCreditno IKZE
IKZE rules in 2026
- IKZE contribution limit for 2026
- 11,304.00 zł
- IKZE contribution limit for 2026 for the self-employed
- 16,956.00 zł
- IKZE payments reduce your taxable income
- Yes
- Tax on an IKZE payout
- 10%
- IKZE: payout at the payout tax from the age of
- 65 years
- IKZE: calendar years with payments, at least
- 5
- IKZE: early withdrawal taxed as income on the scale
- Yes
Brokers with IKZE
10 of the 25 brokers we check.
See also
Frequently asked questions
What is the IKZE contribution limit in 2026?
In 2026 you can pay up to 11,304.00 zł into your IKZE, and up to 16,956.00 zł if you run a business.
How much tax does an IKZE give back?
You deduct IKZE contributions from your income in PIT, so you get tax back at your own rate: 12% or 32% on the tax scale, or 19% on the flat tax. The IKZE calculator works out the exact amount.
What is the tax on an IKZE payout?
A flat 10% of the whole payout if you withdraw after turning 65 years and paid into the IKZE in at least 5 calendar years. An early refund is added to your income in PIT.
Where can I open an IKZE?
10 of the 25 brokers we check offer IKZE: Alior Biuro Maklerskie, bossa (DM BOŚ), DM BDM, Erste Biuro Maklerskie, ING Makler, mBank eMakler, Millennium Dom Maklerski, Noble Securities, PKO BP Supermakler, XTB. The ranking above compares their annual cost in your scenario.
Can I buy foreign ETFs in an IKZE?
Foreign stocks and ETFs in IKZE are offered by: Alior Biuro Maklerskie, bossa (DM BOŚ), DM BDM, Erste Biuro Maklerskie, mBank eMakler, XTB.