Raiffeisen Digital Bank
- Company typePrivate
- Founded-
- HeadquartersVienna, Austria
- Headcount51–100
- GTM typeB2C
- OfferingServices
Raiffeisen Digital Bank firmographics
Firmographics- Name
- Raiffeisen Digital Bank
- Legal name
- Raiffeisen Digital Bank AG
- Website
- https://raiffeisendigital.com
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Ownership category
- akta.pro rank
Raiffeisen Digital Bank industry classification
Industry- Product category
- Digital Retail Banking
- NAICS
- Depository Credit Intermediation (5221), Commercial Banking (52211)
- SIC
- National Commercial Banks (6021), Personal Credit Institutions (6141)
- akta.pro primary industry
- Digital Retail Banking (Online & Mobile) (FSABAAAF)
- akta.pro secondary industries
- Retail Lending (Personal Loans, Auto, Credit Lines) (FSABAAAB), Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)
Keywords
Where Raiffeisen Digital Bank is headquartered
LocationHeadquarters
- HQ city
- Vienna
- HQ country
- Austria
- HQ region
- Europe
Offices3 records
Markets served
Raiffeisen Digital Bank business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Digital Banking Services: Provides fully digital consumer loans and mobile banking solutions including current accounts, payment services, debit cards, savings accounts, and online term deposits to Polish residents.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Free current account with digital services |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels3 records
Raiffeisen Digital Bank product offering
Product offeringCore offering
Raiffeisen Digital Bank AG operates as a digital retail bank offering fully digital consumer loans, current accounts, savings accounts, online term deposits, Visa Gold debit cards, and payment services to individual consumers. The product portfolio is centered on a mobile banking application through which Polish customers can open accounts, apply for loans via selfie and ID verification, and manage all banking functions without visiting a branch.
Product overview
Raiffeisen Digital Bank AG operates as an Austria-based digital retail bank offering a unified digital banking platform centered on its mobile banking application. The product portfolio consists of fully digital consumer loans (available exclusively in the Polish market), current accounts with integrated payment services, savings accounts, and online term deposits. Physical and virtual Visa Gold debit cards are offered as add-ons to the current account, with built-in support for Google Pay and Apple Pay mobile payments. The bank currently serves customers in Poland and Romania, with operations also conducted through a permanent establishment in Bratislava and a subsidiary in Ukraine.
Differentiator
Problem solved
Functional benefit
Products and services
- Online Loans (Pożyczka Gotówkowa) Fully digital consumer loans available exclusively in the Polish market, requiring only the mobile app, a selfie, ID card, and a current account with any Polish bank. Offers credit decisions after creditworthiness assessment, fixed interest rates without hidden fees, and flexible repayment without additional fees.
- Current Account Free current account with fully digital opening, no fees for account-to-account transactions to Raiffeisen Digital Bank or other domestic Polish banks, and no requirement for minimum transactions or account inflow.
- Savings Account Online savings account for Polish retail customers, offering convenient and transparent banking from home via the mobile banking application.
- Online Term Deposits Online term deposit products for Polish retail customers seeking savings with fixed terms.
- Payment Services Digital payment services integrated with the current account, supporting fee-free domestic transfers within Poland and commission-free contactless ATM withdrawals at home and abroad.
- Virtual Visa Gold Debit Card Free virtual Visa Gold debit card provided with the current account, supporting Google Pay and Apple Pay mobile wallet payments.
- Mobile Banking Solution Comprehensive mobile banking application serving as the primary digital interface for Polish retail customers to access loans, current accounts, savings, term deposits, debit cards, and payment services.
Companies that use Raiffeisen Digital Bank
Customer profileSegments1 record
Ideal customer profiles1 record
Raiffeisen Digital Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
Raiffeisen Digital Bank partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Wolf TheissminorWolf Theiss advised Raiffeisen Digital Bank on the sale of a non-performing loan portfolio in Poland, marking the digital bank's entry into the Polish secondary NPL market. The transaction is among the first deals to reflect the implementation of EU Non-Performing Loan Directive 2021/2167 into national legislation.
Recent moves5 records
Expansion highlights5 records
Raiffeisen Digital Bank competitors and assessment
Company assessmentBroad incumbents
- PKO Bank Polski: PKO Bank Polski is the largest bank in Poland and dominates retail deposits, current accounts, and consumer lending. It is the dominant incumbent in the same Polish retail-banking market where Raiffeisen Digital Bank competes with its digital-only proposition.
- BNP Paribas Bank Polska: BNP Paribas Bank Polska is a major universal bank in Poland offering retail deposits, consumer lending, and increasingly digital channels. It is a broad incumbent competitor serving similar Polish retail customers as Raiffeisen Digital Bank.
- Raiffeisen Bank International: Raiffeisen Bank International (RBI) is the parent company of Raiffeisen Digital Bank and one of CEE's largest universal banking groups. RBI is comparable as the broader incumbent umbrella under which the digital bank operates and from which it derives its banking license and balance sheet.
- Bank Pekao: Bank Pekao is one of Poland's largest universal banks, offering retail accounts, consumer loans, and increasingly digital channels. It is a broad incumbent competitor to Raiffeisen Digital Bank in Polish retail banking.
- Millennium Bank: Bank Millennium is a mid-sized Polish retail bank with an active digital-banking app and consumer-lending products. It competes with Raiffeisen Digital Bank in the Polish retail-deposit and personal-loan segments with a comparable mobile channel.
Emerging players
- bunq: bunq is a European digital-first/branchless retail bank offering accounts, cards, and savings primarily in the EEA. It is an emerging cross-market comparable for Raiffeisen Digital Bank's mobile-only retail banking model, even though it does not currently operate in Poland.
Direct peers
- mBank: mBank is one of Poland's largest and most digital-first incumbent banks, serving retail and SME customers through mobile and online channels. It is the most direct comparable to Raiffeisen Digital Bank's mobile-only, branchless retail model in the Polish market.
- Revolut: Revolut is a leading European digital banking app that operates in Poland and offers multi-currency accounts, payments, and increasingly personal-lending products. It competes head-to-head with Raiffeisen Digital Bank for the same mobile-first Polish retail customer.
- Alior Bank: Alior Bank is a Polish retail and SME bank with a heavy digital-channel emphasis (including a mobile-only subsidiary offering) and a significant consumer-loan book. It is a direct comparable on digital retail banking and consumer lending in Poland.
- ING Bank Śląski: ING Bank Śląski is a major Polish retail bank with a strong digital-banking (Moje ING) proposition and consumer-lending products. It directly competes with Raiffeisen Digital Bank for digitally native Polish consumers seeking current accounts and personal loans.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Raiffeisen Digital Bank social profiles
Digital presenceRaiffeisen Digital Bank compliance and trust
Trust signalCompliance4 records
Raiffeisen Digital Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Raiffeisen Digital Bank leadership team
Management profileNumber of profiles
Profiles1 record
Raiffeisen Digital Bank subsidiaries and ownership
Company hierarchySubsidiaries1 record
Raiffeisen Digital Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Raiffeisen Digital Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Raiffeisen Digital Bank
What does Raiffeisen Digital Bank do?
Raiffeisen Digital Bank AG operates as a digital retail bank offering fully digital consumer loans, current accounts, savings accounts, online term deposits, Visa Gold debit cards, and payment services to individual consumers. The product portfolio is centered on a mobile banking application through which Polish customers can open accounts, apply for loans via selfie and ID verification, and manage all banking functions without visiting a branch.
Is Raiffeisen Digital Bank a public or private company?
Raiffeisen Digital Bank is a private company. It is classified as corporate owned and is currently operating.
When was Raiffeisen Digital Bank founded?
Raiffeisen Digital Bank was founded in -1. It employs 51 to 100 people.
Where is Raiffeisen Digital Bank based?
Raiffeisen Digital Bank is headquartered in Vienna, Austria, in the Europe region.
How does Raiffeisen Digital Bank make money?
One revenue line is on record: digital Banking Services.
Who are Raiffeisen Digital Bank's main competitors?
Broad incumbents on record are PKO Bank Polski, BNP Paribas Bank Polska, Raiffeisen Bank International, Bank Pekao and Millennium Bank. bunq is listed as an emerging player. Direct peers are mBank, Revolut, Alior Bank and ING Bank Śląski.
Does Raiffeisen Digital Bank have an API?
No public API is recorded for Raiffeisen Digital Bank.
What industry is Raiffeisen Digital Bank in?
Raiffeisen Digital Bank's product category is Digital Retail Banking. Its primary akta.pro industry code is FSABAAAF, Digital Retail Banking (Online & Mobile), with a secondary code of FSABAAAB, Retail Lending (Personal Loans, Auto, Credit Lines). Its NAICS code is 5221 and its SIC code is 6021.