Updated September 28, 2026 · SumCue Editorial Team
Acko vs Alior
Acko
Higher score in this comparison
Alior
What sets them apart
| Compare | AckoReviewVisitVisit | AliorReviewVisitVisit |
|---|---|---|
| Premium from | ₹457 | PLN 15,000 |
| Insurance types | Auto, Motorcycle, Health, Life, Travel, Critical illness | Auto, Home, Life, Travel, Income protection |
| Provider type | Insurer | Broker |
| Cover limit | INR 25 lakh to INR 100 crore (term life) | Sum insured guaranteed for the whole policy term (Bezpieczne Jutro); life cover for borrowers up to the amount of the loan granted |
| Claims channels | Online app and website, Cashless at network garages | Phone, Email, Help centre |
| Age range | 18 years and above | Children from birth to 26 years of age |
| Monthly payments | Yes | Not confirmed |
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Key differences
- Acko scores higher overall: 9.1 vs 8.9.
- Founded is lower at Alior: 2008 vs 2016.
- Alior is available in 1 more country.
- Insurance types: only Acko offers Motorcycle, Health, Critical illness.
- Insurance types: only Alior offers Home, Income protection.
- Claims channels: only Acko offers Online app and website, Cashless at network garages.
- Claims channels: only Alior offers Phone, Email, Help centre.
- Support channels: only Acko offers Chat, Email.
- Pricing model: only Acko offers Monthly.
- Pricing model: only Alior offers No monthly fee.
Our verdict on each
Acko
Acko suits adults in India who want vehicle, health, life and travel cover from one digital insurer, with two-wheeler premiums from INR 457 and monthly payments available. As an insurer rather than a broker, it sets its own prices and settles its own claims.
Alior
Alior suits savers who want an easy-access account with no monthly charge and a variable rate of 4%, above where most listed accounts sit. Deposits are covered by the EU deposit guarantee, and the same group covers cards, loans, mortgages, investing and insurance.
Score breakdown
| Area | Acko | Alior |
|---|---|---|
| Cost | 9.3HigherRanks 85 of 251 brands on premium from, against a €7.95 median across insurers. | 9.1A PLN 0 monthly fee on savings, a 0% (0 PLN) loan arrangement fee and a 0% card conversion fee. |
| Offer | 9.2Higher | 8.8The offer spans savings, cards, loans, mortgages, investing and insurance, with trading platforms Alior Gielda, Notowania Online 3 and Alior 4 Trader. |
| Trust | 8.9Higher | 8.8 |
Where they rank in our lists
| Ranking | Acko | Alior |
|---|---|---|
| Insurance | 27 of 627 | 39 of 627 |
| Life insurance | 9 of 238 | 14 of 238 |
| Car insurance | 11 of 279 | 17 of 279 |
| Travel insurance | 16 of 278 | 25 of 278 |
Feature by feature
| Insurance types | Acko | Alior |
|---|---|---|
| Auto | Yes | Yes |
| Home | No | Yes |
| Life | Yes | Yes |
| Health | Yes | No |
| Travel | Yes | Yes |
| Motorcycle | Yes | No |
| Critical illness | Yes | No |
| Income protection | No | Yes |
What we checked
Acko
- acko.com: 13 facts, checked September 26, 2026
Alior
- aliorbank.pl: 7 facts, checked September 26, 2026
- euclid.eba.europa.eu: 2 facts, checked September 26, 2026
- en.wikipedia.org: 1 fact, checked September 26, 2026
- pkobp.pl: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | Acko | Alior |
|---|---|---|
| Audience | Seniors | Not confirmed |
| Pricing model | Monthly | No monthly fee |
| Legal entity | Acko Technology and Services Limited (CIN U74110KA2016PLC120161) | CREDIT AGRICOLE PAYMENT SERVICES |
| Headquarters | India | France |
| Founded | 2016 | 2008Lower |
| Support channels | Chat, Phone, Email, Help centreCovers more | Phone, Help centre |
Loans
| Fact | Acko | Alior |
|---|---|---|
| APR | Not confirmed | 9.15% |
| Loan amount | Not confirmed | PLN 500 to PLN 250,000 |
| Term | Not confirmed | 3 to 120 months |
| Arrangement fee | Not confirmed | 0% (0 PLN) |
| Credit check | Not confirmed | Hard |
| Funding time | Not confirmed | Funds transferred to the customer's account, possibly the same day |
| Representative example | Not confirmed | 41,800 PLN over 50 instalments of 985.55 PLN, RRSO 9.15%, 0 PLN fee |
| Features | Not confirmed | Same day funding |
| Rate type | Not confirmed | Variable |
| Lender type | Not confirmed | Direct lender |
| Eligibility | Not confirmed | Natural person aged 18 or over at application; resident or non-resident earning income in Poland |
| Origination fee (%) | Not confirmed | 0% |
| Loan types | Not confirmed | Personal, Debt consolidation, Credit line |
| Use cases | Not confirmed | Home improvement |
Credit cards
| Fact | Acko | Alior |
|---|---|---|
| Annual fee | Not confirmed | PLN 80 |
| Currency conversion fee | Not confirmed | 0% |
| Rewards type | Not confirmed | Points |
| Perks | Not confirmed | Travel insurance, Concierge service, Airport lounge access |
| Card kind | Not confirmed | Credit |
Mortgages
| Fact | Acko | Alior |
|---|---|---|
| Initial rate | Not confirmed | 6.52% |
| APRC | Not confirmed | 6.52% |
| Fixed period | Not confirmed | 5 years |
| Maximum loan to value | Not confirmed | 79.14% |
| Product fee | Not confirmed | PLN 0 |
| Purpose | Not confirmed | Purchase |
Brokers
| Fact | Acko | Alior |
|---|---|---|
| Markets | Not confirmed | Stocks, ETFs, Forex, CFDs, Funds |
| Platforms | Not confirmed | Alior Gielda, Notowania Online 3, Alior 4 Trader |
Pros and cons
Acko
Pros
- One insurer covers auto, motorcycle and health, so several policies sit with the same provider
- Monthly payments are available, and support runs on chat, phone and email
- Two-wheeler claims can be started online app and website and cashless at network garages
Cons
- Policies start at a minimum age of 18 years and above, so the audience is adults
- The premium shown at INR 457 is a starting point, and the final price depends on the vehicle and cover chosen
Alior
Pros
- Balances are covered by the EU deposit guarantee: EU DGS up to EUR 100,000
- The account kind is easy access, and interest is credited monthly to the balance, so withdrawals do not stop the rest of the money earning
- The card listed is a credit card on points rewards, with perks covering travel insurance, concierge service and airport lounge access
Cons
- The savings rate is variable, so the headline figure is not held for a set term
- Support runs on phone and help centre only
- Borrowing runs a hard credit check, so applications need a credit file that will pass it
Who each suits
Acko
Who it suits
- Adults in India who ride a two-wheeler and want a low starting premium
- People bundling vehicle, health, life and travel cover with one insurer
- Seniors among the listed audience, with monthly payments to spread the cost
Who should look elsewhere
- Customers in the UK or Europe, where bunq and bunq Spain serve European markets rather than India
- Shoppers chasing the very lowest entry premium, since Acko ranks 85 of 251 brands on the site
- Anyone wanting life cover alone from a euro policy, since Linxea lists premiums from €25
Alior
Who it suits
- Savers in the EU who want easy access to their money and no monthly charge
- Households that want savings, cards, borrowing, mortgages, investing and insurance with the same provider
- Borrowers who are comfortable with a hard credit check and want funds transferred, possibly the same day
Who should look elsewhere
- Finteres, at 0% to 36%, if the top of that range matters more than reaching the money
- bunq, at 3.01%, if you would rather hold savings with a different brand on a lower headline rate
Current offers
Acko
Current offer
Discount code
Save as much as INR 80,000 on top-selling cars: up to INR 80,000
New car purchase through ACKO digital showroom (ACKO Drive); savings shown against listed price, T&Cs apply
Source, checked September 26, 2026
Alior
Current offer
Bonus
Promocja na nowe środki - Konto Oszczędnościowe Plus (4% w skali roku do 250 tys. zł przez 90 dni): 4% p.a. on new funds up to PLN 250,000 for 90 days, then standard 0.1% (NBP reference rate /2 minus 2 pp)
Promotion 25.09.2026 to 07.01.2027; reference day 24.09.2026; 90-day promotional period from the first deposit of new funds; new funds = balance above the total on deposit accounts with the same owners on the reference day; adults only; not combinable with other new-funds promotions on the same savings account; not applicable to Rachunek Oszczędnościowy (closed 31.01.2017) or Konto Oszczędnościowe Progres Adm (closed 19.04.2015); accounts must have been opened on or after 27.06.2025.
Source, checked September 26, 2026
Country by country
| Country | Acko | Alior |
|---|---|---|
| France | No | Yes |
| India | Yes | No |
| Poland | No | Yes |
Questions about each
Acko
How much does cover cost?+
Two-wheeler premiums start at INR 457, below the €7.95 median across insurers on the site. The real price depends on the vehicle, the cover chosen and the sum insured, so treat the starting figure as an entry point rather than a quote for every policy.
Can I pay monthly instead of once a year?+
Yes, monthly payments are available on Acko policies, and 89% of the insurers on the site offer the same choice. Spreading the cost can make a larger plan easier to carry, such as term life cover, where the sum insured can run to INR 25 lakh to INR 100 crore (term life).
Alior
What rate does the Alior savings account pay?+
The account pays a variable headline rate of 4%, above the site median of 3% and above bunq at 3.01% and Wise at 3.29%. The rate type is variable, and 53.9% of the accounts listed pay a variable rate, so this is the standard structure here.
Is there a monthly fee on the account?+
The savings account runs on the no monthly fee model, so the monthly fee is listed as PLN 0 and nothing is charged for keeping the balance. Interest is credited monthly to the balance, so deposits and withdrawals carry on earning between credits.
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