Poles have found an alternative to deposits. 61 thousand people came within a month
At the end of February, there were approximately 4.3 million active participants in PPK. Only in the first month of this year. over 60,000 people joined the program. employees.
Employee Capital Plans (PPK) have been operating in Poland since 2019. The program was created to encourage employees to save for retirement. Participation in PPK is voluntary (you can resign at any time and sign up at any time). The employer is obliged to finance basic contributions to PPK in the amount of 1.5%. or 2.5 percent employee’s remuneration (applies to employment contracts and mandate contracts). The employee allocates 2% to PPK every month. your salary. In addition, the state provides a one-time welcome payment.
More and more PPK participants
Initially, the program was received quite coldly by Poles, but recent years have shown an increase in interest. According to the WNP website, Piotr Matczuk, president of the Polish Development Fund (PFR), at the end of February, there were approximately 4.3 million active participants in PPK, and in the first month of this year alone, there were over 60,000 of them. At the end of 2025, the value of accumulated assets exceeded PLN 45 billion.
– We currently have approximately PLN 48 billion in PPK accounts. In January this year 61 thousand people arrived new participants, and in February 55 thousand Generally, there is no net outflow, and besides, it is included in the assumptions of the program – said the president of PFR.
The increase in assets last year amounted to PLN 15 billion. According to the portal, the results of the funds gave an increase in the range of 9-30 percent, which is a much better result than any profits from bank deposits.
Payments during the month
By mid-April, some PPK participants will receive an annual payment for 2025. Employees whose basic and additional contributions in a given year (financed by the employee and the employer) amounted to at least 3.5% will be able to count on PLN 240. 6 times the minimum wage applicable in the year for which the payment is due. Participants whose basic contributions are lower than 2%. (people whose monthly remuneration from various sources does not exceed 1.2 times the minimum wage can benefit from the reduction in the basic contribution) they must accumulate at least 25%. this amount.
Since in 2025 the minimum wage was PLN 4,666, in order for a PPK participant to be entitled to an annual payment, his or her contributions had to amount to at least PLN 979.86. In the case of people who have reduced the percentage of the basic payment at their request, it must be at least PLN 244.97.
