Benefits of IKE within the Santander FIO Fund
Capital gains tax exemption
after meeting the age criteria and regular payment conditions (detailed information below).
Investment flexibility
no obligation to make regular payments, can be temporarily reduced, suspended and the accumulated funds or part of them can be withdrawn at any time.
Financial security for relatives
in the event of the death of the IKE owner, the funds accumulated are inherited, and any persons - including unrelated persons - can also be made beneficiaries.
Wide selection of sub-funds
8 sub-funds with different profit potential and risk levels.
Online account management
the ability to open and operate an IKE with Santander website.
Individual Retirement Account Calculator
Find out how much you can gain with Individual Retirement Account (IKE)
The calculator presents a simulation of the value of the accumulated capital in the case of systematic, monthly or annual payments.
The calculator takes into account the amount of the monthly or annual payment, the investment period and the expected annual rate of return on investment. The calculator does not take into account any fees associated with participation in the Santander FIO fund or capital gains tax. The maximum annual contribution limit for IKE in 2025 is PLN 26,019.
Important: remember that this is only a simulation and actual returns may be different.
Below we present
The calculator takes into account the amount of monthly or annual payments, the investment duration period and the annual rate of return on the investment expected by the investor. The calculator takes no account of potential fees for participation in Santander FIO Fund or the capital gains tax. The maximum annual limit for payments to IKE in 2025 is PLN 26 019,00
- Payment amount:
- PLN
Tax (potential tax savings thanks to IKE):
Capital gains tax (potenctial tax savings due to IKE).
- PLN
Profit:
Profit upon withdrawal of funds from IKE, provided the statutory requirements are met.
- PLN
- Accrued capital:
- PLN
Remember that this is only a simulation and the actual rates of return can be different.
Basic information about Individual Retirement Account (IKE)
| For whom? | For anyone over 16 years of age (a minor can only make a payment if he or she is paid for work). |
| Contribution | First contribution – min. PLN 100 Subsequent contribution – min. PLN 100 |
| Annual contribution limit | Fixed by law: in 2025 it amounts to PLN 26,019. |
| Available sub-funds | 8 sub-funds of Santander FIO only in PLN. Possibility to own several sub-funds. |
| Concluding an agreement | Establishing an IKE requires concluding an agreement, which is at the same time an order to purchase units and to deposit funds. IKE service is available at Santander Bank Polska branches and Santander internet. |
| Important! | You can have only one IKE. |
General conditions for exemption from capital gains tax
1. reaching the age of 60 or 55 and acquiring pension rights
2. making payments in at least 5 calendar years or making more than half of the value of payments at least 5 years before the date of placing the payment order
the condition referred to in point 2 does not apply to funds transferred from the pension program to IKE
Conditions for exemption from capital gains tax for persons born from 1.1.1946 to 31.12.1948
making payments to IKE in at least 4 calendar years or making more than half of the value of payments at least 4 years before the date of placing the withdrawal order.
Conditions for exemption from capital gains tax for persons born up to 31.12.1945
making payments to IKE in at least 3 calendar years or making more than half of the value of payments at least 3 years before the date of placing the withdrawal order).
HOW IKE WORKS
Remember that IKE in the Santander FIO fund is an investment product. This means that the investment involves risks typical for investment funds.
Q&A
IKE is available in all sub-funds of Santander FIO.
The contract for IKE can be concluded at Santander Bank Polska SA outlets and on the Santander website.
The amount of the first purchase on the sub-register is PLN 100, subsequent purchases are also PLN 100.
The maximum amount of payments to an Individual Retirement Account (IKE) in a given calendar year may not exceed the amount equivalent to three times the projected average monthly salary in the national economy for a given year, specified in the Budget Act or the Act on Budgetary Provisions.
Where the Saver is a minor, the payments made by him/her to the Individual Retirement Account (IKE), in addition, may not exceed the income earned by him/her in a given year from employment under an employment contract.
In 2025, the maximum amount of contributions to an IKE is PLN 26,019.
When the sum of contributions in a given calendar year exceeds the contribution limit, the Fund shall immediately inform the Savers of the limit being exceeded and return the excess.
The following fees are charged in IKE:
- redemption fee - 1%, charged only in the event of a Return or Transfer Withdrawal. We do not currently charge this fee.
- conversion fee - 1%, charged on conversion, on the units that were recorded in the sub-register from which the conversion is made. We do not currently charge this fee. Detailed information on the fees charged in IKE is available on the website.
Detailed information on the fees charged in IKE is available on the website.
Yes. You can convert units between sub-registrations in your IKE.
This document is presented for marketing purposes and does not constitute an agreement, or an information document required by law.
It should not be relied upon as the sole basis for making investment decisions.
The net asset value of some subfunds may exhibit high volatility, which results from the composition of the portfolio or the portfolio management technique employed. Some sub-funds may invest more than 35% of their assets in securities issued, guaranteed or underwritten by the State Treasury or the National Bank of Poland.
The rewards of investing in shares are also accompanied by risks. A description of the risk factors, financial data and information about fees and charges can be found in the prospectuses, key information documents (KIDs) and schedules of fees and charges available in Polish at Santander.pl/TFI/documents and at Santander fund distributors. For a summary of investors' rights, see the prospectus (Chapter III, sec. 4).
The Funds do not guarantee the achievement of a stated investment objective, or a specific investment performance and future returns are subject to taxation, which depends on the personal situation of each investor, and which may change over time. Before making an investment decision, the participant should consider the fees associated with the sub-fund and take into account the possible taxation of the investment return. The participant must also take into account the possibility of losing at least part of the invested funds.
When investing in mutual funds, the participant purchases the units of those funds and not the underlying assets that the fund itself invests in.