Toward a better future

Open Individual Retirement Account

About the product

Individual Retirement Account (IKE) is an attractive interest rate bank account that enables you to gather additional means for the future pension:

  • yields higher than those offered by standard deposits: 3,00% per annum
  • profits from IKE savings are exempt from capital gains tax
  • there are no fees for joining and keeping IKE, you invest 100% of your means
  • high deposit limit – total of annual deposits to IKE cannot exceed in 2024 23 472 PLN, which constitute for 300% of the estimated average monthly salary announced in the Budget Act
  • flexibility – there is no obligation to make regular deposits
  • access to money – you have possibility to do partial withdrawals without necessity to close the account

Funds deposited on accounts in the Bank, the total value of which funds does not exceed the equivalent of 100,000 EUR, irrespective of the number of accounts held in the Bank, are protected by Banking Guarantee Fund, in keeping with the Act of 10 June 2016 on Banking Guarantee Fund, system of protection of deposits and compulsory restructuring (Journal of Laws 2016.996). Eligible for protection are deposits and receivables of entities indicated in art. 20 of the a/m Act.

Interest rate

IKE interest rate is variable and depends on the market conditions. Current interest rate on IKE is 3,00% per annum. Yearly capitalization.

Minimum amount of payment is only 100 PLN.

How to use

  • Millenet

    Millenet is an online banking system providing security and full 7/24 online control over your finances and additional services.

  • Mobile app

    The mobile app allows you to use the account on your phone, wherever you are. You can make transfers, pay in stores, withdraw cash from ATMs and much more.

  • Branches and ATMs

    Bank Millennium provides over 750 branches throughout Poland and multifunctional Bank Millennium ATMs.


Our Consultants will provide 7/24 detailed information and will carry out your instructions.

801 331 331

Fixed line calls and mobile

How to open

In our branches

Choose the nearest branch

debug: true Find the branch