How to pay contributions to DDS?

Contributions to DDS are paid as follows:

1. payment method:
individually from the participant's current account (by setting a standing order), while the variable symbol is the participant's birth number
through the employer (by deduction from the salary)
2. contribution amount:
the contribution can be paid as a fixed amount in EUR or any % of the salary, while you can also pay the contribution in another amount
3. maturity date:
monthly, no later than the last day of the respective month, unless otherwise agreed with our company.
Contributions to DDS can only be paid cashless to the account SK75 7500 0000 0002 5504 9623.

What is the smallest or largest amount I can save?

DDS Tatra banky does not have a set minimum or maximum contribution amount. You can reduce or increase your contribution at any time or stop saving at any time.

How does an employer pay contributions to DDS?

An employer who has concluded an employment contract pays contributions either:

• as a fixed amount
• by a multiple of the employee's contribution,
• as a percentage of the employee's assessment base,

At the same time, he can choose the minimum and maximum amount, the range of the contribution amount, etc.

The employer can create several categories according to its internal rules or agree on payment conditions directly in the collective agreement, e.g. according to age, job classification, length of time worked in the company, etc. and different contribution amounts may apply within these categories.

Important: Contributions paid by the employer are part of the tax expenditure. The law sets a maximum limit that allows employers to account for tax expenses paid contributions to supplementary pension savings up to 6 % of the settled salary and salary compensation of an employee who is a participant in the savings.
However, for risk categories 3 or 4, the employer is obliged to contribute at least 2 % of the employee's assessment base according to a special regulation to employees who perform risky work.

The employer can change the amount of contributions at any time during the savings. The minimum amount is not set in DDS Tatra banky.
The employer does not pay any contributions to the social insurance company, but only pays contributions for health insurance from contributions to supplementary pension saving, not only if he has an employer contract, but also if he pays contributions to supplementary pension savings from the social fund.

Will my employer contribute to my DDS?

If your employer has concluded an employer contract with DDS Tatra banky, he will regularly contribute a certain amount to your personal account in DDS Tatra banky. If your employer has concluded an employer contract with another company, but does not have an employer contract with DDS Tatra banky, he is obliged to conclude an employer contract with DDS Tatra banky, within 30 days from the day on which you submitted the signed participation contract with DDS Tatra banky to your employer. Of course, if your employer has not signed any employer contract, you can contribute to DDS yourself. In case of risky jobs, the employer is obliged to pay a contribution to supplementary pension savings in the amount of at least 2 % of your assessment base.

Can I stop paying contributions?

Yes, you can stop paying to supplementary pension saving at any time.

Can I change the contribution amount to DDS?

Yes, at any time during the savings period, the contribution can be reduced or increased, even without written notice.

Why are contributions paid to the ČSOB account?

In connection with the transformation of Pokoj DDP into the Doplnková dôchodková spoločnosť Tatra banky, a.s. (DDS Tatra banky), and the fact that Tatra banka, a.s. is a member of a group with close ties in relation to DDS Tatra banky, as well as with regard to legal regulations on conflict of interests, Československá obchodná banka, a.s. became the depository of DDS Tatra banky based in Bratislava. Contributions to supplementary pension saving are paid to the account SK75 7500 0000 0002 5504 9623 from the date of establishment of DDS Tatra banky.