Money, taxes and retirement
Bank accounts, taxes, saving, investing, and pensions and benefits from two countries.
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Newest guides (3)
Pension from Multiple Countries: Map of Poland's Social Security Agreements (2026)
Poland has 13 active bilateral social security agreements, ranging from the former Yugoslavia to Belarus, with agreements with Albania and Japan ratified but not yet in effect.
Pension from Australia and ZUS: Age Pension, superannuation, and social security agreement (2026)
The Age Pension (up to ~1200 AUD/2 weeks) depends on years of residence and asset testing – the Polish ZUS pension reduces it, and payments abroad are proportional to AWLR (full amount for 35 years). The 2010 agreement sums periods (only 12 months of Australian residency required), superannuation remains until age 60 (outside the agreement!), and tax – a rare luxury – is paid only in the country of residence (Article 18).
Superannuation – retirement in Australia for Poles
Super = mandatory retirement savings in AU (12% of salary from employer). Fund selection, fees, access after age 60, transfer to Poland.