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Alior review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

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.

Key facts

Best for
An easy-access savings account with a variable rate and no monthly charge.
Headline rate
4%↗
Rate type
Variable↗
Term
3 to 120 months↗
Deposit protection
EU DGS up to EUR 100,000↗
Access terms
Interest credited monthly to the balance, so funds keep earning during deposits and withdrawals↗
Monthly fee
PLN 0↗
Account kind
Easy access↗
Legal entity
CREDIT AGRICOLE PAYMENT SERVICES↗
Headquarters
France↗
Founded
2008↗
Support channels
Phone, Help-centre↗
Pricing model
No monthly fee
Official website
aliorbank.pl

Loans

APR
9.15%↗
Loan amount
PLN 500 to PLN 250,000↗
Arrangement fee
0% (0 PLN)↗
Credit check
Hard↗
Funding time
Funds transferred to the customer's account, possibly the same day↗
Representative example
41,800 PLN over 50 instalments of 985.55 PLN, RRSO 9.15%, 0 PLN fee↗
Lender type
Direct lender↗
Eligibility
Natural person aged 18 or over at application; resident or non-resident earning income in Poland↗
Origination fee (%)
0%↗
Loan types
Personal, Debt-consolidation, Credit-line↗
Use cases
Home-improvement↗
Features
Same-day funding

Credit cards

Annual fee
PLN 80↗
Currency conversion fee
0%↗
Rewards type
Points↗
Perks
Travel insurance, Concierge service, Airport lounge access↗
Card kind
Credit↗

Personal insurance

Premium from
PLN 15,000↗
Insurance types
Auto, Home, Life, Travel, Income-protection↗
Provider type
Broker↗
Cover limit
Sum insured guaranteed for the whole policy term (Bezpieczne Jutro); life cover for borrowers up to the amount of the loan granted↗
Claims channels
Phone, Email, Help-centre↗
Age range
Children from birth to 26 years of age↗

Mortgages

Initial rate
6.52%↗
APRC
6.52%↗
Fixed period
5 years↗
Maximum loan to value
79.14%↗
Product fee
PLN 0↗
Purpose
Purchase↗

Brokers

Markets
Stocks, ETFs, Forex, CFDs, Funds↗
Platforms
Alior Gielda, Notowania Online 3, Alior 4 Trader↗

Facts checked September 26, 2026, 14 sources

Apps and profiles

Get the app
App Store
Elsewhere
WikidataWikipediaXLinkedIn

Pros and cons

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
  • Personal loans, debt consolidation and a credit line sit alongside the savings account under one brand

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
Alior

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Scored 8.9 / 10 by SumCue.

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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

Deposit protection

Deposits are covered by the EU deposit guarantee, EU DGS up to EUR 100,000. The payment entity on the licence record is Credit Agricole Payment Services, authorised by the French regulator FR_ACPR and listed as PSD_PI FR_ACPR!89914. Protection ends at the stated ceiling, so anything held above that amount sits outside the scheme.

How Alior compares

Where Alior is available

Available
France, Poland
Licence in France
FR_ACPR (PSD_PI FR_ACPR!89914), checked September 26, 2026, also valid in Belgium, France, Italy, Portugal

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

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.

Can I reach my money when I need it?+

The account kind is easy access, so there is no fixed term tying the balance up. Interest is credited monthly to the balance, which keeps deposits and withdrawals earning between credits. The wider group also runs cards, borrowing, mortgages, investing and insurance alongside the savings account.

What does borrowing from the group cost?+

Personal loans carry an APR of 9.15% over terms of 3 to 120, with borrowing of PLN 500 to PLN 250,000. The arrangement fee is 0% (0 PLN) and applications go through a hard credit check. Funds are transferred to the account, possibly the same day.

Is my deposit protected and who licenses the brand?+

Deposits are covered by EU DGS up to EUR 100,000. The payment entity behind the brand is licensed by the French regulator FR_ACPR, with the licence recorded as PSD_PI FR_ACPR!89914, and the brand dates from 2008. Claims can go in by the channels listed as phone, email and help centre.

What card is on offer?+

The card listed is a credit card with an annual fee of PLN 80 and a points rewards scheme. The currency conversion fee is 0%, and the perks run to travel insurance, concierge service and airport lounge access. Points sit alongside the savings account if you want the same name on both.

How do I get help?+

Support runs on phone and help centre, so a phone line and a help centre are the listed routes rather than email or live chat. Insurance claims made through the group can go in by the wider set listed as phone, email and help centre, which adds email to the mix.

What can I invest in?+

The brokerage arm covers stocks, etfs and forex, and trading runs through the platforms listed as Alior Gielda, Notowania Online 3 and Alior 4 Trader. Most retail accounts lose money, and the site median for that is 70.15%, so a broad market list does not remove the risk.

Sources

Compiled from 14 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Minimum deposit.

Alior

Alior

An easy-access savings account with a variable rate and no monthly charge.

8.9/10Visit