Lokata dla Ciebie

Lokata dla Ciebie – 36 months at 3.70% at Raiffeisen Digital Bank

"Lokata dla Ciebie" is a classic term deposit from Raiffeisen Digital Bank with a fixed, predetermined 36-month contract period. This is a product for people who want to set aside spare funds for a longer time at a fixed rate known in advance, rather than looking for flexible access to their money at any moment — in exchange for tying up their capital for 3 years, they get a predictable, unchanging return throughout that period.

Interest rate

The deposit offers a fixed rate (type "S") of 3.70% per annum for the entire 36-month term of the agreement — the rate does not change depending on Monetary Policy Council decisions or other market factors during the term of the deposit. The amount-threshold structure of the offer is as follows: for funds from PLN 100 to PLN 1,000,000 the aforementioned 3.70% applies; amounts above PLN 1,000,000 (i.e. above the upper deposit limit) no longer earn interest under this product — in practice this means that the maximum amount it is actually worth placing in this deposit is PLN 1,000,000, not that higher sums are rewarded with a different rate.

Importantly, interest is not capitalised during the term of the agreement — all of the interest is paid out only at the end of the 36-month period. This means that throughout the entire term of the deposit there is no ongoing addition of interest to the principal, nor any possibility of "consuming" part of the return early.

It is worth adding (based on the current offer visible on the bank's website) that Raiffeisen Digital Bank is running a parallel promotion for new clients opening their first deposit — however, it applies only to the shorter 3-, 6- and 12-month variants (correspondingly higher promotional rates, limited in time and to amounts up to PLN 100,000), not to the 36-month variant described in this review. The standard rate for the 12–36-month period, confirmed both in the product data and on the bank's website, is exactly 3.70% — with no discrepancy between the sources.

Terms and availability

The minimum amount to open the deposit is PLN 100, and the maximum is PLN 1,000,000. The product is available only to clients who already hold a personal account at Raiffeisen Digital Bank — the deposit is opened via the bank's mobile app or transaction system (online banking), so this is not an "off-the-shelf" offer for someone without an existing relationship with the bank. Using the offer requires being of legal age (at least 18 years old). The deposit is held in Polish zloty (PLN), which is worth keeping in mind when comparing it with foreign-currency deposit offers from other banks.

Who it is for

This is a solution for Raiffeisen Digital Bank clients who want to place surplus funds on a longer, 3-year horizon and value predictability — a fixed rate independent of market fluctuations — more than the flexibility of an early withdrawal. For people looking for a shorter capital commitment or a higher promotional rate for new clients, the 3- or 6-month variants from the bank's current offer may be more suitable.

Summary

"Lokata dla Ciebie" is a simple, predictable savings product: 3.70% fixed interest for 36 months, a low entry threshold from PLN 100, and interest paid out at the end of the term. Its main limitations are the long, 3-year period of tying up capital and the requirement to hold a personal account at the bank. This offer is worth considering for people planning to save over a longer horizon who do not need access to their funds before three years have passed.