Updated September 28, 2026 · SumCue Editorial Team
Alior vs AXA
Alior
Higher score in this comparison
AXA
Alior vs AXA: the differences
| Compare | AliorReviewVisitVisit | AXAReviewVisitVisit |
|---|---|---|
| Premium from | PLN 15,000 | £275 |
| Insurance types | Auto, Home, Life, Travel, Income protection | Auto, Home, Renters, Landlord, Van, Health, Dental, Travel, Breakdown, Home emergency |
| Provider type | Broker | Insurer |
| Claims channels | Phone, Email, Help centre | Phone, Online |
| Cover limit | Sum insured guaranteed for the whole policy term (Bezpieczne Jutro); life cover for borrowers up to the amount of the loan granted | Not confirmed |
| Age range | Children from birth to 26 years of age | Not confirmed |
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Key differences
- Alior scores higher overall: 8.9 vs 8.8.
- Alior is available in 1 more country.
- Insurance types: only Alior offers Life, Income protection.
- Insurance types: only AXA offers Renters, Landlord, Van.
- Claims channels: only Alior offers Email, Help centre.
- Claims channels: only AXA offers Online.
Our verdict on each
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.
AXA
AXA is a single insurer covering car, home, health and travel lines in the UK, which suits households that want several policies in the same place. The listed starting premium of £275 puts it near the top of the price range, so the case rests on breadth of cover and phone support.
Score breakdown
| Area | Alior | AXA |
|---|---|---|
| Cost | 9.1HigherA PLN 0 monthly fee on savings, a 0% (0 PLN) loan arrangement fee and a 0% card conversion fee. | 8.1The listed starting premium is £275, while the site median is €8.31 and the car insurance ranking median is €8.50. |
| Offer | 8.8The offer spans savings, cards, loans, mortgages, investing and insurance, with trading platforms Alior Gielda, Notowania Online 3 and Alior 4 Trader. | 8.9Higher |
| Trust | 8.8 | 9.5Higher |
Licences and countries
| Country | Alior | AXA |
|---|---|---|
| France | FR_ACPR PSD_PI FR_ACPR!89914 | Not confirmed |
Additional countries for Alior: 2. Additional countries for AXA: 1.
Where they rank in our lists
| Ranking | Alior | AXA |
|---|---|---|
| Insurance | 39 of 627 | 6 of 627 |
| Car insurance | 17 of 279 | 2 of 279 |
| Home insurance | 15 of 258 | 2 of 258 |
| Travel insurance | 25 of 278 | 3 of 278 |
Every fact side by side
| Fact | Alior | AXA |
|---|---|---|
| Pricing model | No monthly fee | Not confirmed |
| Legal entity | CREDIT AGRICOLE PAYMENT SERVICES | AXA SA |
| Headquarters | France | France |
| Founded | 2008 | Not confirmed |
| Support channels | Phone, Help centre | Help centre, Phone |
Loans
| Fact | Alior | AXA |
|---|---|---|
| APR | 9.15% | Not confirmed |
| Loan amount | PLN 500 to PLN 250,000 | Not confirmed |
| Term | 3 to 120 months | Not confirmed |
| Arrangement fee | 0% (0 PLN) | Not confirmed |
| Credit check | Hard | Not confirmed |
| Funding time | Funds transferred to the customer's account, possibly the same day | Not confirmed |
| Representative example | 41,800 PLN over 50 instalments of 985.55 PLN, RRSO 9.15%, 0 PLN fee | Not confirmed |
| Features | Same day funding | Not confirmed |
| Rate type | Variable | Not confirmed |
| Lender type | Direct lender | Not confirmed |
| Eligibility | Natural person aged 18 or over at application; resident or non-resident earning income in Poland | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
| Loan types | Personal, Debt consolidation, Credit line | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Credit cards
| Fact | Alior | AXA |
|---|---|---|
| Annual fee | PLN 80 | Not confirmed |
| Currency conversion fee | 0% | Not confirmed |
| Rewards type | Points | Not confirmed |
| Perks | Travel insurance, Concierge service, Airport lounge access | Not confirmed |
| Card kind | Credit | Not confirmed |
Mortgages
| Fact | Alior | AXA |
|---|---|---|
| Initial rate | 6.52% | Not confirmed |
| APRC | 6.52% | Not confirmed |
| Fixed period | 5 years | Not confirmed |
| Maximum loan to value | 79.14% | Not confirmed |
| Product fee | PLN 0 | Not confirmed |
| Purpose | Purchase | Not confirmed |
Brokers
| Fact | Alior | AXA |
|---|---|---|
| Markets | Stocks, ETFs, Forex, CFDs, Funds | Not confirmed |
| Platforms | Alior Gielda, Notowania Online 3, Alior 4 Trader | Not confirmed |
Pros and cons
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
AXA
Pros
- A single insurer covers auto, home and renters.
- Support runs on help centre and phone and claims on phone and online, so phone and online both work.
- The legal entity is AXA SA, headquartered in France, so the counterparty on the policy is clear.
Cons
- The cheapest listed premium is £275, well above the site figure of €8.31.
- Support runs on help centre and phone only, with no listed email or live chat route.
- On price AXA ranks 244 of 251, so cheaper cover is easy to find.
Who each suits
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
AXA
Who it suits
- Households with a car, a home and health cover to place, who would rather deal with a single insurer than separate providers.
- People who prefer to talk to a person: claims run on phone and online and support on help centre and phone.
- Shoppers who are not chasing the cheapest figure, since £275 is high in this comparison.
Who should look elsewhere
- Price first: bunq lists a starting figure of €0.
- A euro-priced option: Linxea begins at €25.
- Anyone who wants help by email or live chat, because support runs on help centre and phone.
Current offers
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
AXA
Current offer
First period offer
AXA MultiCar discount: Save up to 15%
when insuring another car registered at your home address
Source, checked September 26, 2026
Country by country
| Country | Alior | AXA |
|---|---|---|
| France | Yes | No |
| Poland | Yes | No |
| United Kingdom | No | Yes |
Questions about each
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.
AXA
What is the cheapest premium at AXA?+
The cheapest listed premium is £275 in the UK. Your own price moves with the cover you pick, what you are insuring and the excess you accept, so read this as the entry point rather than a quote for a particular policy.
Is AXA an insurer or a broker?+
AXA is an insurer, not a broker, so the cover comes from the company itself rather than a panel chosen for you. The legal entity named in the company's information is AXA SA.
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