How to get your Poland pension statement

Informacja o stanie konta ubezpieczonego (IOSKU)

Known in English as the Statement of insured person's account. Look for this name on the site — it may not be translated.

• Your PESEL number, or the insurance identifier used if you never had one.
• A login: Profil Zaufany (trusted profile), a Polish bank identity, or a qualified electronic signature.
• Your Polish employers and years, including any period of self-employment, which ZUS records differently.

1. 1
   Open the ZUS electronic services platform

   ZUS is the Polish social insurance institution. PUE/eZUS is its authenticated portal for insured people.

   Open this page ↗
2. 2
   Sign in with Profil Zaufany or a bank identity

   Profil Zaufany can be confirmed through Polish consulates, which is the usual route for people abroad.
3. 3
   Open your account statement (IOSKU)

   ZUS sends this annually to insured people in Poland and it is available in the portal. It shows contributions recorded, indexed capital, and a projected pension.
4. 4
   Check pre-1999 periods

   Contributions before the 1999 reform are represented as initial capital (kapitał początkowy). If yours has never been calculated, ask ZUS to do it — this is a frequent and material omission.
5. 5
   Save the statement

   Keep the PDF. If you also have an employee capital plan (PPK) or an IKE/IKZE, those are separate from ZUS.

   Open this page ↗

You cannot set up Profil Zaufany from abroad

Polish consulates confirm trusted profiles. ZUS also accepts written requests and has a dedicated department for international cases; the ZUS Rp-1E form route does not require an online identity.

Your initial capital has never been calculated

Submit the capital calculation request with employment certificates from before 1999. Old employers' successors or state archives can issue them.

You worked in Poland without a PESEL

ZUS assigns an insurance identifier regardless. Provide your passport details and employer, and ask ZUS to trace the account.

Upload the statement to your vault and we'll read the figures out of it — balances, benefits, vesting and retirement ages — and tell you what changed since your last one.