Personal investments
In personal investments and capital earning options, we offer the best investment funds and insurance-investment plans on the market, including Union Investment, DZ BANK Group insurers, regular saving plans, attractive fixed-term deposits or investment in Treasury papers.
In investment and treasury products we offer you the following:
Structured deposit
Our structured deposit offer has been designed for the most demanding Customers. A structured deposit combines several financial instruments, which allows Customers to draw unlimited gains from investments on the FX market while enjoying protection of the invested capital. Gains from a structured deposit depend on the behavior of a selected currency pair over the term of the deposit.
Guaranteed capital and minimum interest.
Deposits accepted in PLN, EUR and USD.
Minimum deposit amount: PLN 500,000 or its equivalent in another currency.
Dual currency deposit
A dual currency deposit is a modern form of investing savings for short periods of time. The interest rate depends on the behavior of exchange rates. This offer is addressed to those Customers who seek ways of earning higher income while being willing to take up the risk of currency translations.
Guaranteed higher than standard interest.
Deposits available in PLN, EUR, USD, CHF and GBP.
Minimum deposit amount: PLN 200,000 or its equivalent in another currency.
Investment funds
Investment funds are an alternative to traditional forms of investment in fixed-term bank deposits. Depending on the investment risk level and the investment tenor acceptable to the Client such investments may generate high returns on invested capital.
Fixed-term deposits with investment fund
This form of investment combines the advantages of saving in a fixed-term bank deposit and earning with carefully selected investment funds.
Investment-linked insurance plans
The advantage of combining an investment with an insurance policy is the fiscal benefit unavailable to other forms of investments. Such plans allow participants to pay capital gains tax once, at the moment of funds withdrawal, while the insurance benefit is exempt from inheritance and donation tax. The agreement provides for insurance coverage against investment risks in the event of the insured's death, while guaranteeing disbursement of at least all the money paid in.
