In March 2025 80 percent of pensions went straight to bank accounts, which is due to the Social Insurance Institution (ZUS). It is not only convenience and safety for seniors, but besides savings for the full system. More and more people choose to receive pensions in the form of bank transfers.
Current data indicate that the level of bailout was 80 percent in March 2025, meaning that 4 out of 5 people receive an account benefit. Bank transfers mean not only convenience and time savings, but besides increase financial security. The level of banking is steadily expanding – 80 percent of people to whom ZUS paid pensions have already chosen this method of payment.
In December 2024, 79.7% of people chose bank transfers, indicating a clear upward trend. The cash withdrawal form, or postal transfer, is slow losing its importance. By comparison, in December 2020, ZUS transferred 2.2 million benefits to the post office, while in 2024 the number decreased to 1.78 million. The analysis of the ZUS data shows that over 8.8 million long-term benefits were paid last December.
Some of the long-term benefits are almost entirely paid to bank accounts. This includes teacher compensation (98.8%), bridge pensions (96%), pre-retirement benefits (94.9%) and pensions (82.3%). On the another hand, the lowest banking rates are observed erstwhile the benefits are paid to people incapable to live on their own (43.3%), in the programme "Mama 4+" (47%) and social pensions (66.4%).
Persons receiving these services may have limited access to banking services. They do not usage them due to digital or transport exclusion. The strategy for the banking of benefits paid by ZUS is part of the strategy of the Plant. It supports state action on growth in non-cash trade in the economy. Banking besides has a affirmative impact on the simplification of the costs of ZUS’s operations.
As more and more people are entitled to benefits, including seniors, see the benefits of having a bank account, it is crucial to further make banking services adapted to this group of customers. They should be able to have comfortable and safe access to the funds they entrust to banks. ZUS has been providing educational support to these people for respective years, and on the occasion of the elder Days, he is conducting an information run “Safe, healthy, non-cash”.
Current data indicate that 80% of people who receive pensions chose bank transfers. This means that more and more people choose to receive benefits through bank transfers, which benefits both them and the full system. The Social safety Office continues its activities in the area of the provision of services to guarantee that the rightholders have comfortable and safe access to funds.
More here:
Banking of pensions in Poland: benefits and trends
