ZUS does not want to pay pensions in cash. Ministry makes decision

Poland's Social Insurance Institution (ZUS) has proposed shifting entirely to cashless payments for pensions and benefits, a move aimed at reducing operational costs. The institution argues that bank transfers are substantially more economical than traditional postal deliveries, which have seen a significant increase in cost.

Currently, a large majority of beneficiaries opt for bank transfers. ZUS reported that in March 2025, 80% of recipients received their payments electronically, a figure that has steadily increased. However, a notable portion of beneficiaries, particularly those receiving benefits for inability to self-support, the "Mama 4+" program, and social pensions, still prefer cash. This preference may stem from digital exclusion or limited access to banking facilities.

Despite ZUS's push for digitalization, the Ministry of Family, Labor, and Social Policy has opposed the proposal to eliminate cash payouts. The Ministry stated that the suggestion went beyond the scope of the current legislative project it was addressing. Consequently, pensioners and beneficiaries will retain the option to receive their payments either via bank transfer or through postal delivery.

The cost difference between the two methods is stark. Following a new agreement with Poczta Polska, ZUS now pays nearly 20 Polish złoty for each cash delivery, a significant jump from previous costs. In contrast, a bank transfer costs approximately 10 Polish groszy. ZUS surveys indicate that some clients maintain their preference for postal deliveries due to habit, a desire to keep cash at home for a sense of control, or difficulties with electronic banking and accessing ATMs or bank branches.

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The difference in costs between the two forms of payment is really large. After signing a new agreement with Poczta Polska last year, ZUS pays PLN 19.95 for the delivery of one benefit in cash. Previously, the cost was around PLN 10. Meanwhile, a bank transfer costs about 10 groszy.