Raiffeisen Digital Bank

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

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

• Digital banking
• Consumer loans
• Mobile banking
• Payment services
• Retail banking

Headquarters

HQ city

Vienna

HQ country

Austria

HQ region

Europe

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. 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

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core 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.

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Partnerships

One partnership is on record.

• Wolf TheissminorImplementation/ SI/ Consulting Partner · 5 February 2026Wolf 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

Broad 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

• LinkedInlinkedin.com/company/raiffeisendigital
• Xx.com/raiffeisendb
• Facebookfacebook.com/raiffeisendigitalbank

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Raiffeisen Digital Bank