ECP - Employee Capital Plans (PPK)

Employee Capital Plans – Saving for Your Employees’ Retirement

On 1 January 2019 the Act on Employee Capital Plans Act (PPK) entered into force. It is a new long-term saving system for employee pensions. The PPKs are voluntary, which means your employees may resign from them. However, as an employer, you have a duty to implement them in your company. The time-frame in which you are expected to do this depends on the number of employees in your company.

ECP in a nutshell

  • The money in a ECP account is the employee’s property and is inherited upon the employee’s death.
  • The employees may withdraw all their money from the ECP account free of charge, once they reach the age of 60.
  • The money may be partly paid out earlier only when the employee is in a difficult situation or wishes to finance his or her own contribution to the purchase of an apartment.
  • Your task as an employer is to set up the ECP in your company and choose the financial institution to manage it.

How to gain online access to the ECP?

Simply open account by selecting the option of identity confirmation through the mojeID service. The system will guide you through the steps of data verification up to the activation of your online access.
Read more.

If your bank is not included in the mojeID service, please use the form and verify your identity through the Virtual Branch.

Useful Information

First automatic re-enrollment in ECP

April 1, 2023 marked the automatic enrollment of employees in the Employee Capital Plans program. Every employee aged between 18 and 55 has been automatically enrolled by their employer in ECP, regardless of whether in the 2019–2022 period they have opted out of making contributions. Find out more

Questions and answers

Why Generali Investments?

  • We have been successfully acting in the Polish market for over 28 years managing assets worth over PLN 18 billion.

  • We offer some of the best pension-saving solutions in the market ("IKE i IKZE na 5" in 2021 according to the ranking by Analizy Online).

  • We offer more than 20 funds with varying investment strategies.

  • We have already been chosen by over 160,000 Investors.

We are offering support in terms of the subject matter and technology for implementing the ECP

  • View of the current investment status in the transaction service.

  • Information concerning the PPK and the offer of Generali Investments TFI available with our hotline.