Biznes Fakty
Employee Capital Plans (PPK). Payments from Employee Capital Plans. „It's a trust-building mechanism.”

The Ministry of Finance is observing an increase in withdrawals from PPKs, which the Ministry notes is not entirely aligned with the program’s intended purpose. The PFR Portal PPK, which oversees the funds, stresses that „the option for PPK participants to withdraw their saved money at any time fosters confidence in the program.”
„In light of a few recent publications, we wish to clarify that any claims suggesting a loophole in the PPK program permitting participants to withdraw funds before reaching the age of 60 are false. The aim of Employee Capital Plans is to encourage long-term savings for the future. From its inception, the program has assumed that the choice to save within the PPK is voluntary for Poles, and participants have the ability to withdraw their funds whenever they choose,” stated the PFR PPK Portal in an official announcement.
PPK and Withdrawals. „A Thoughtful Decision”
„This is a thoughtful decision, made in agreement with the capital market and representatives of both employees and employers during public consultations prior to the act’s adoption, and it aligns with the program’s principles. It is a mechanism that fosters trust in the program and sets it apart from other retirement savings options currently available. It highlights its flexibility and clearly indicates that the accumulated funds are the personal property of the participant,” the report further explained.

Ministry of Finance on PPK
The Ministry of Finance further mentioned that the matter of the rising number of refunds might be addressed in the upcoming review of the PPK Act, which must be conducted by the Council of Ministers by December 31, 2026. Based on this review, potential legislative recommendations in this area could be developed.
What is PPK?
Employee Capital Plans are a private, long-term savings initiative in which contributions are jointly made by employees, employers, and the state.
For employees, participation in PPK is optional—they can cease saving at any time and subsequently resume if they choose.