- April 15, 2024
- Posted by: legaleseblogger
- Category: Related News
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## Opening IKE Account at DM BOŚ from Australia
I could not find a Poland-specific sub, so I am posting here instead. I am a Polish citizen residing in Australia, and I want to open an IKE account at DM BOŚ. They have sent me a statement, the content of which I am not quite sure of before signing. Can someone explain it to me? I am particularly confused about why the below three bullet points (in bold) are even necessary.
### OŚWIADCZENIE
Ja niżej podpisany ………………………………………………. zamieszkały w …………………………., …………………………………………………………………………….,
legitymujący się ……………………………………. wydanym dnia …………………………… r., przez ……………………………………., ważnym do dnia ……………………………………. r., oświadczam, że:
– **nie zostałem pozyskany jako Klient przez Dom Maklerski Banku Ochrony Środowiska S.A.** z Terytorium Australii
– **nie wchodziłem na stronę internetową Domu Maklerskiego Banku Ochrony Środowiska S.A. bossa.pl z Terytorium Australii,**
– **nie zapoznałem się z ofertą Domu Maklerskiego Banku Ochrony Środowiska S.A. za pośrednictwem strony internetowej bossa.pl z Terytorium Australii**
Jednocześnie oświadczam, iż Dom Maklerski Banku Ochrony Środowiska S.A. będzie zwolniony z wszelkiej odpowiedzialności, w przypadku gdyby powyższe oświadczenie okazało się niezgodne z rzeczywistym stanem faktycznym lub prawnym.
………………………………………..
Data i podpis składającego oświadczenie
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Are you trying to open a tax-exempt retirement account offered in Poland while permanently residing & paying taxes in Australia? In that case, you may or may not be able open the account, but any tax advantages it offers to Polish taxpayers wouldn’t matter to you, as Australia will want to tax your global income (unless you qualify for exemption as a temp resident or because of other special circumstances: https://taxsummaries.pwc.com/australia/individual/taxes-on-personal-income).
My guess is the bank is trying to cover its ass in case its gets blamed for marketing financial products to Australian residents, for which it has no license.
Well, living in Australia and opening an IKE account in Poland has zero sense. You’re not a tax resident of Poland, IKE doesn’t apply to you. Most likely BOS sees that you’re in Australia, but who knows, maybe you’re using VPN and are actually in Poland. That’s why they’re asking you to sign a document stating that you’re not in Australia
I think the bank is not refusing you to open your account but instead they’re trying to make you confirm they didn’t advertise their services with you. Some financial regulators have heavy fines for advertising financial services without being licensed in their country and FCA has recently upped their activities by claiming that everything posted in English is potentially an ad directed at UK customers. I’m guessing by extension this might also concern the financial services in Australia.