Raiffeisen Digital Bank is a fully digital bank belonging to the Austrian Raiffeisen Bank International group. It offers consumer loans and savings products to Polish customers — with no branches, entirely online. The lowest cash loan APR at Raiffeisen Digital Bank is currently 9.89%.
Why choose Raiffeisen Digital Bank?
- Part of the large Austrian Raiffeisen Bank International group
- Fully digital service — all communication via app and website
- Simple, transparent products with no unnecessary options
- Competitive deposit and savings account rates
- European process standardisation
Editorial rating
- Offers 4.2
- Service 3.9
- Online banking 4.3
- Costs 4.1
About the bank Raiffeisen Digital Bank
Raiffeisen Digital Bank is a relatively new digital brand of the Austrian Raiffeisen Bank International (RBI) group — one of the largest banking groups in Central and Eastern Europe, with assets exceeding EUR 200 billion. The bank operates as a fully digital institution with no branch network, offering customers in several European countries, including Poland, selected banking products via the website and app.
In Poland, Raiffeisen Digital Bank focuses on consumer loans and savings products. The group's earlier Polish operation (Raiffeisen Bank Polska) was sold in 2018 — the core business went to BNP Paribas and private banking to Raiffeisen Bank International. The current Raiffeisen Digital Bank is a new digital chapter of the brand on the Polish market.
Active offers
We show the currently active offers and always link to the latest version.
Cash loans
View all offers →Pożyczka gotówkowa
Raiffeisen Digital Bank
- APR
- 9.89%
- Amount
- 20,000 PLN
- Term
- 48 months
- Instalment
- 502 PLN
Deposits
View all offers →Lokata dla Ciebie
Raiffeisen Digital Bank
- Interest rate
- 0.00%
- Term
- 12 miesięcy
Lokata dla Ciebie
Raiffeisen Digital Bank
- Interest rate
- 0.00%
- Term
- 6 miesięcy
Pros and cons
Pros
- International group with a long history
- Modern, digital service model
- Competitive deposit rates
- No branch visits needed
Cons
- No branch network in Poland
- Narrow product offer — no mortgages or personal accounts
- Lower brand recognition in its current digital form
How to apply — Raiffeisen Digital Bank
Raiffeisen Digital Bank is the digital bank of the Austrian Raiffeisen Bank International group, offering simple, remote banking products to customers across Europe.
- 1
Check the offer
Compare Raiffeisen Digital Bank products in our loan and deposit rankings.
- 2
Go to the bank
Click the CTA to go to the Raiffeisen Digital Bank application page.
- 3
Fill in the online application
Register on the bank's website, complete identity verification and provide income details.
- 4
Receive a decision
The bank processes applications fully digitally — a credit decision is usually issued within 1–2 business days.
Frequently Asked Questions
Is Raiffeisen Digital Bank the same as the former Raiffeisen Polbank?
No. The former Raiffeisen Bank Polska (Raiffeisen Polbank) was sold in 2018 — its core business went to BNP Paribas Bank Polska and the private banking part to Raiffeisen Bank International. The current Raiffeisen Digital Bank is a new, fully digital RBI brand also operating in Poland.
Is Raiffeisen Digital Bank safe?
Yes. Raiffeisen Digital Bank operates under an Austrian banking licence and customer deposits are covered by the Austrian deposit guarantee scheme up to EUR 100,000 per customer — in line with unified EU standards.
What products does Raiffeisen Digital Bank offer in Poland?
In Poland the bank focuses on consumer loans (cash loans) and savings deposits. It does not offer mortgages or full personal accounts in the Polish format.
Can I get a cash loan at Raiffeisen Digital Bank?
Yes. Raiffeisen Digital Bank offers cash loans to Polish customers with 100% online applications. Current rates and APR are in our cash loan ranking.
How do I apply for a loan at Raiffeisen Digital Bank?
The application is fully online — via the bank's website or mobile app. Identity verification, income details and a Polish PESEL number are required.
Does Raiffeisen Digital Bank have branches in Poland?
No. Raiffeisen Digital Bank is a fully digital bank with no physical branches in Poland. All service is provided via the website and mobile app.
What are Raiffeisen Digital Bank deposit rates?
Raiffeisen Digital Bank offers deposits with rates adjusted to the European market. Current rates are in our deposit ranking, updated in real time.
Other banks
kreddo.pl is an independent financial comparison service and is not a credit broker within the meaning of the Polish Consumer Credit Act. The data presented is pulled from bank APIs and updated in real time. Final loan terms are determined individually by the bank.