Members
Joining, managing and monitoring your pension is designed to take minutes, not months.
Hassle-free & safe. Save time and money.
Joining, managing and monitoring your pension is designed to take minutes, not months.
Join or transfer in easily
Bring existing provident-fund balances across online, or with help from our Help Desk.
Effortless account management
Choose your strategy, monitor performance, request a loan and update your details.
Continuous support
Experienced staff available online and through the Help Desk whenever you need them.
Claim your benefits
When you leave your employer, retire, or transfer to a new scheme.
The Polaris platform works on desktop and mobile — balance, performance and documents in one place.
Get a loan from Polaris
Members can borrow against their balance for medical, property and education needs.
Your full balance keeps growing
The loan is not deducted from your account, so you keep earning returns on 100% of your balance.
Fast, efficient process
Apply online or via the Help Desk — applications assessed in under 10 working days.
Competitive interest rates
A low, transparent annual rate with no hidden charges.
Automatic repayment
Monthly instalments deducted directly from your salary.
A simple, fully online application
No forms to print, no appointments. Manage the whole process from your Polaris account.
- 1Log in to the portal
Open the Loans section in your Polaris account.
- 2Choose your amount & term
Borrow up to 45% of your balance and see your repayment instantly.
- 3Submit & track online
Assessed in under 10 working days — no paperwork, no branch visit.
Why Polaris Pensions?
Answers to the questions we hear most often.
It is the most efficient way for you to save for your retirement.
A one-stop professional solution: best-in-class, cost-efficient investment management and administration for all retirement needs.
Polaris is a separate legal entity, so all assets belong to its members. They are held in segregated accounts with an EU bank institution, separate from managers and advisors.
Yes. Polaris is a registered IORP, so all contributions are eligible for tax deduction (independent tax advice is recommended).
Your state pension may not be enough to live on. A provident fund helps close the gap.
Yes. You can request a transfer of benefits from or to another recognised IORP.
You choose your own contribution level as a % of your annual salary — and you can change it at any time.
Choose between 5 strategies; your contributions are invested according to your own risk-return profile and goals.
Yes — twice a year, every year until retirement, at no cost.
Yes. For reasons specified under the law (education, health, property refurbishment) you may borrow up to 45% of your balance.
Administration and management fee of 0.6% per annum, all-in — no minimum, no monthly deductions.
Under current legislation: upon retirement, termination of employment or death (paid to beneficiaries).
Currently there is no tax in Cyprus on the payment of benefits to pension-fund members upon retirement.
Join online at www.polarispensions.com or call +357 22 717045.