Pożyczka gotówkowa

Raiffeisen Digital Bank cash loan — who it is for and what for

The Raiffeisen Digital Bank cash loan is a consumer loan with no specified purpose, which can be used for any expense — renovation, buying equipment, paying off current liabilities, or financing a larger purchase. The offer is available in amounts from PLN 5,000 to PLN 150,000, over a term of 12 to 120 months (up to 10 years), making it flexible both for people looking for a small top-up and for a larger loan spread over a longer period. The product is aimed at clients holding a valid Polish ID card and receiving regular payments into a bank account held in Poland.

Interest rate and APRC

According to the product data, the loan's nominal interest rate is 9.47% per annum, while the Annual Percentage Rate of Charge (APRC) — a metric that includes all costs of the loan, not just the interest rate itself — is 18.44%. This is a clear difference between the nominal rate and the APRC, which is why, when comparing offers, it is worth relying on the APRC, since it shows the actual total cost of the obligation on an annual basis.

Raiffeisen Digital Bank sets the final interest rate individually, depending on the assessment of the client's creditworthiness — according to information on the bank's offer page, the actual interest rate can range from 7.99% to 14.99% depending on the applicant's profile. The bank also runs periodic promotions with discount codes: at the time this offer was checked, a promotional rate of 8.29% was visible with the code RDB829 — it is worth verifying when submitting an application whether the promotion is still active, since this type of time-limited offer changes quickly.

The loan instalments are equal throughout the entire loan term — meaning the monthly instalment amount stays the same from the first to the second-to-last payment, which makes household budget planning easier, unlike decreasing instalments, where the first payments are higher.

Total cost

The bank publishes a statutorily required representative example showing what repayment of a specific amount looks like: for a loan of PLN 60,000, spread over 90 monthly instalments, with a fixed interest rate of 9.56% per annum and an APRC of 9.99%, the client repays 89 equal instalments of PLN 937 plus a final, balancing instalment of PLN 875.09. The total cost of such a loan (interest only, excluding commission) is PLN 24,268.09, and the total amount payable is PLN 84,268.09. The calculation comes from the bank's materials dated 24 February 2025.

This is purely an illustrative example based on specific assumptions (a particular amount, term, and risk assessment) — the bank itself notes that granting the loan and its final terms depend on an individual assessment of the client's creditworthiness and credit risk, so the actual instalment, APRC, and total cost in your case may differ. It is worth noting that the APRC from this specific example (9.99%) is markedly lower than the general product APRC listed in our database (18.44%) — such a discrepancy shows just how much the final cost depends on the application's parameters and the individual risk assessment, so before signing the agreement it is worth asking the bank for a simulation tailored to your own amount and term.

The loan does not come with an origination commission — both the percentage and flat-fee commission indicators are 0, which the bank itself also confirms, stating there are no hidden fees for granting the funds. However, you do need to reckon with minor administrative fees during the term of the agreement — the bank lists, among others, a fee of around PLN 50 for issuing certificates/opinions and around PLN 25 for debt restructuring, should the client choose to use that option.

Requirements and collateral

Information visible on the bank's offer page shows that signing the loan agreement does not require spousal consent or taking out additional insurance — a significant simplification compared with some competing offers, where insurance is sometimes a condition for getting a lower instalment.

The basic formal conditions are being at least 18 years old and holding a valid Polish ID card (valid for at least 31 more days from the date the application is submitted). The bank does not require income certificates or certificates from the Social Insurance Institution (ZUS) — income is verified electronically via a one-time login to your own bank, which speeds up the whole process. Various sources of income are accepted: an employment contract, civil-law contracts, business activity, as well as a retirement or disability pension — the condition being that the funds are paid into a bank account held in Poland with online banking access.

The minimum loan term is 12 months, so this loan is not a good solution if you are looking for a product for just a few weeks or months — other short-term solutions are better suited to that purpose.

Pros and cons

The most important advantages of this offer are no commission, a wide range of available amounts, and a long maximum repayment period. The downsides include the discrepancy between the different APRC figures shown and the dependence of the final rate on an individual creditworthiness assessment.

Summary

The Raiffeisen Digital Bank cash loan is a flexible, commission-free consumer loan, available in amounts from PLN 5,000 to PLN 150,000 and repayment terms from 12 to 120 months, with equal instalments that make budget planning easier. The key parameter to compare against other offers remains the APRC — in our database it stands at 18.44%, although the bank's representative example and current promotional offer show markedly lower values (from around 8% to just under 10%, depending on the amount, term, and individual creditworthiness assessment). Before signing the agreement, be sure to ask for an individual cost simulation for your amount and term — that is the only way to find out the actual APRC that will apply to you.