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 Norway and Poland: Kildeskatt, Commuters, Exit Tax, and Returning to Poland (2026)
PAYE 25% or regular settlement with commuter deductions (travel to Poland, accommodation)? Parameters for 2026, credit method from 2021 (PIT-36/ZG, abatement relief without limits for offshore!), two Norwegian 'tails' upon return: 3-year tax residency after 10+ years and exit tax (exemption amount 3 million NOK) – plus barnetrygd 2012 NOK exported to Poland. Note: Polish pages of Skatteetaten no longer exist.
Norwegian Pension and ZUS: EEA Coordination, 15% Withholding Tax, and Payments to Poland (2026)
Norway operates like the EU through the EEA: periods accumulate (only 5 years total is required), one application in the country of residence, and payments to Poland without reductions. G from 1.05.2026 = 136,549 NOK; 15% withholding tax at source with an EEA loophole (90% rule); employee pension OTP remains in Norway until age 62 (norskpensjon.no!) and a paper leveattest, which NAV monitors annually.