Lokata dla Ciebie

Lokata dla Ciebie – a 36-month fixed-rate term deposit

Lokata dla Ciebie is Raiffeisen Digital Bank's standard term deposit, available for 3, 6, 12, 24 or 36 months, with a fixed interest rate for the whole duration of the agreement. This review covers the 36-month variant. It's a classic, predictable savings instrument – unlike investment funds or bonds, here you know in advance exactly how much you'll earn by the end of the term, because the rate doesn't change during the deposit's life. The product suits customers who want to set aside spare funds for three years without any risk of the rate changing and without the need to actively manage their savings – unlike a flexible-access savings account, the money here is locked in for the whole term of the agreement.

Interest rate

The 36-month deposit offers a fixed interest rate of 4% per annum, unchanged for the entire 36-month term. According to the bank's rate table valid from 01.10.2026, shorter terms pay less: 3.5% (3 months), 3.6% (6 months), 3.7% (12 months) and 3.8% (24 months). The minimum amount per deposit is PLN 100, and the total held across all of one customer's deposits cannot exceed PLN 1,000,000 – for funds above that amount you need a different product.

Interest is not compounded during the term of the deposit – the bank pays it out in one lump sum to the personal account, only at the end of the 36-month period. This means there's no monthly interest payout or reinvestment during the term – the customer sees the full return only after three years, on the day the deposit matures. Breaking the deposit early means no interest is paid for the current term. For anyone counting on a regular, monthly cash inflow from interest, that's a real limitation – a savings account would better suit that need.

Terms and conditions

To open Lokata dla Ciebie, you must hold a personal account with Raiffeisen Digital Bank – the deposit is available only to holders of that account. For existing customers of the bank this is no obstacle, while for people who don't yet have an account with this bank, it means opening a personal account first before they can use the deposit itself.

The deposit can be opened only in the bank's mobile app – no branch visit or paper documents are required, which makes the whole process fast and convenient for anyone used to managing their finances remotely. Opening and maintaining the deposit costs PLN 0.

The minimum amount to open the deposit is PLN 100, and the maximum total across all deposits is PLN 1,000,000. The bank's services are available to adults (aged 18 and over) with full legal capacity.

Pros and cons

Pros:

• Fixed rate of 4% – known in advance for the entire 36-month term
• Low entry threshold – from just PLN 100
• High limit – up to PLN 1,000,000 in total across deposits
• Fully remote setup in the mobile app, with no fees

Cons:

• Requires a personal account with Raiffeisen Digital Bank
• Interest is paid out only at the end of the 36-month term, with no compounding during it
• Total across deposits capped at PLN 1,000,000
• The three-year term locks up the funds with no flexible access, unlike a savings account

Summary

The 36-month Lokata dla Ciebie is a simple, predictable deposit with a fixed rate of 4% per annum – a sensible choice for Raiffeisen Digital Bank customers who want to set aside anywhere from PLN 100 up to a million zloty for three years without risking a rate change during the term. The catch is that you need a personal account with this bank, and anyone looking for more flexibility (the ability to withdraw funds at any time without losing interest) should consider a savings account or a shorter term of the same deposit.