Additional millions of zlotys in PPK. The state pays more and more
The state paid a penny – a record amount of PLN 30.9 million was transferred to the accounts in the Employee Capital Plans. Hundreds of thousands of Poles benefited from this!
The accounts of as many as 123.7 thousand PPK participants will soon receive an additional PLN 250 – a welcome payment from the state. What is it for?
This is a one-time bonus intended to encourage employees to save long-term for retirement and increase the initial capital in their account. The payment is financed from the Labor Fund and is transferred to the PPK participant’s account after meeting several conditions.
When will the welcome payment be transferred to the PPK participant’s account?
It can be received by anyone who has joined the program and has been participating in it for at least three full calendar months and has made at least three basic payments during this time. For the first quarter of 2026, the state bonus will appear on the accounts of people who meet the conditions until May 15, 2026.
People who did not meet the conditions for receiving a welcome payment in the first quarter will simply receive it on the next payment date, i.e. in August 2026.
Profit from PPK in 2025
The PPK mechanism is based on regular payments, which – spread over time – are supposed to be relatively small little impact on the household budget. In practice, they were to become one of the pillars of the additional pension, next to the public system. Such a system is currently used by approximately 4.3 million people working under an employment contract, which is not much. WITH SW Research for “Wprost” shows that interest in PPK among working people is still limited – 51.9 percent. eligible people do not want to enroll in the program.
One of the reasons may be limited trust in long-term financial programs in Poland (the example of OFE) and Poles’ fear of freezing their funds for many years with the rising cost of living, which limits the ability to save money.
2025 was another record year in Employee Capital Plans. The value of net assets of defined-date funds amounted to over PLN 45 billion at the end of December. Compared to 2024, the amount of assets was 49.3%. bigger.
At the end of March 2026, the value of PPK assets amounted to PLN 46.9 billion – a slight decrease of 3.2%. compared to February, but already in April the value of assets was PLN 48.67 billion. This means record breaking increase – by as much as PLN 1.8 billion within a week. “Financial markets operate in waves, alternating periods of growth and decline. Such cycles are natural and should not discourage saving,” experts explain.
