The 60-second version
Polish brokerage wind-down needs sell holdings, Urząd Skarbowy PIT summary, depot closure letter, and EUR SWIFT to NRE.
PIT-38 on gains before wire — broker annual report
Polish depot triggers 19% PIT on capital gains — broker provides PIT-38 data.
XTB and mBank common — sell PLN/EUR ETFs before losing Polish OTP.
Country: Poland tax guide.
Polish brokerage
| Broker | Tax | Step |
|---|---|---|
| XTB | PIT-38 | Sell + close |
| mBank | Annual PIT | Zero holdings |
| GPW stocks | PLN | Convert EUR |
Closure
Sell
Liquidate GPW/ETF.
PIT settle
19% on gains.
PLN→EUR
Bank FX.
Wire NRE
SWIFT.
Flow
Poland brokerage kit
- PIT-38.
- Trade confirms.
- Closure letter.
- SWIFT.
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XTB global
Verify whether account is PL entity or CY — jurisdiction matters for closure.
Quick visual
Animated decision map
Community signal
What to watch in real discussions
Search community threads for the exact phrase, then treat repeated complaints as risk signals rather than official advice.
Open nofollow community search ->Interactive checkpoint
Turn this guide into a decision file
0 of 4 checked
Keep EU ETF?
Schedule FA — most close PL depot.
Form 67?
Yes if overlap-year India CGT.
US FBAR?
Polish accounts in USD 10k aggregate.
Dividend?
19% PL WHT — treaty relief.
IKZE pension?
Separate account — not brokerage.
Czech broker?
Separate guide.
Your NRE account redesignation has a deadline.
Banks don't remind you. You need the right account stack before salary, rent, and EMIs start moving. Get the exact sequence.