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.
Taxes Between Canada and Poland: CRA Residency, Exit Tax, TFSA/RRSP, and Returning to Poland (2026)
Canada has an exit tax (deemed disposition, T1161/T1243) – but the treaty provides a loophole: step-up under Article 13(7) in Poland. MLI changed the method to credit, RRSP→RRIF reduces withholding from 25% to 15%, TFSA is a trap (Poland taxes it), rental section 216/NR6, sale T2062 – plus 2026 parameters with a new federal rate of 14%.
Pension from Canada and ZUS: CPP, OAS, and Polish Pension – Social Security Agreement (2026)
CPP (max 1507.65 CAD) and OAS (751.97/827.17 CAD) can be received in Poland – the 2009 agreement sums periods, and Polish years fulfill the 20-year requirement for OAS abroad.