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Updated September 28, 2026 · SumCue Editorial Team

Alior vs CHECK24

Alior scores 8.9 and CHECK24 9.3 out of 10. Compare their differences and shared features below.
Alior

Alior

8.9/10
Visit
CHECK24

CHECK24

Higher score in this comparison

9.3/10
Visit

Alior vs CHECK24: the differences

Alior vs CHECK24
CompareAliorAliorReviewVisitVisitCHECK24CHECK24ReviewVisitVisit
Headline rate4%Higher3.82%
Rate typeVariableFixed
Term3 to 120 months12 to 240 monthsHigher
Access termsInterest credited monthly to the balance, so funds keep earning during deposits and withdrawalsDaily-access savings (Tagesgeld), no notice period, cancel at any time
Monthly feePLN 0€0
Minimum depositNot confirmed€0
Deposit protectionEU DGS up to EUR 100,000Not confirmed

Same on both: Account kind (Easy access).

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Key differences

  • CHECK24 scores higher overall: 9.3 vs 8.9.
  • Founded is lower at CHECK24: 1999 vs 2008.
  • CHECK24 is available in 1 more country.
  • Headline rate is higher at Alior: 4% vs 3.82%.
  • Term is higher at CHECK24: 12 to 240 months vs 3 to 120 months.
  • Support channels: only CHECK24 offers Chat, Email.
  • Pricing model: only Alior offers No monthly fee.
  • Pricing model: only CHECK24 offers Monthly.

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.

Read the full Alior review

CHECK24

CHECK24 suits German households who want one place to shop across savings, loans, mortgages and many insurance types, and who are happy to be matched to a partner rather than served directly. Its easy-access savings pays a headline rate of 3.82% with no notice period and free early repayment.

Read the full CHECK24 review

Score breakdown

Alior vs CHECK24
AreaAliorCHECK24
Cost9.1A PLN 0 monthly fee on savings, a 0% (0 PLN) loan arrangement fee and a 0% card conversion fee.9.8HigherOrigination fee of 0 EUR, a monthly fee of €0 on the savings account and a minimum deposit of €0.
Offer8.8The offer spans savings, cards, loans, mortgages, investing and insurance, with trading platforms Alior Gielda, Notowania Online 3 and Alior 4 Trader.9.6Higher
Trust8.8Higher8.6

Where they rank in our lists

Alior vs CHECK24
RankingAliorCHECK24
Loans121 of 204388 of 2043
Personal loans102 of 131774 of 1317
Mortgages11 of 8538 of 853
Insurance39 of 62717 of 627
Life insurance14 of 2385 of 238
Car insurance17 of 2795 of 279
Home insurance15 of 2585 of 258
Travel insurance25 of 2789 of 278

Also worth a look

Banco Nacional de Panama has term at 120 to 300 months, against 3 to 120 months for Alior and 12 to 240 months for CHECK24.

Banco Nacional de Panama review

Sources behind this comparison

Alior

  • pkobp.pl: 6 facts, checked September 26, 2026
  • euclid.eba.europa.eu: 3 facts, checked September 26, 2026
  • aliorbank.pl: 2 facts, checked September 26, 2026
  • en.wikipedia.org: 1 fact, checked September 26, 2026

CHECK24

  • check24.de: 10 facts, checked September 26, 2026
  • kredit.check24.de: 2 facts, checked September 26, 2026

Every fact side by side

Alior vs CHECK24
FactAliorCHECK24
Pricing modelNo monthly feeMonthly
Legal entityCREDIT AGRICOLE PAYMENT SERVICESCHECK24 Vergleichsportal GmbH
HeadquartersFranceGermany
Founded20081999Lower
Support channelsPhone, Help centreChat, Email, Phone, Help centreCovers more

Loans

Alior vs CHECK24
FactAliorCHECK24
APR9.15%0.68% to 19.92%Lower
Loan amountPLN 500 to PLN 250,000€500 to €150,000
Arrangement fee0% (0 PLN)0 EUR
Credit checkHardSoft prequal
Funding timeFunds transferred to the customer's account, possibly the same dayas little as 3 minutes at some banks, same day
Representative example41,800 PLN over 50 instalments of 985.55 PLN, RRSO 9.15%, 0 PLN feeRatenkredit: net loan amount 20,000 EUR, 7 years (84 months), 5.39% effective annual rate, 5.26% fixed nominal rate p.a., monthly instalment 285.14 EUR, total amount 23,951.75 EUR, Openbank Deutschland AG (BestCredit)
FeaturesSame day fundingSame day funding
Lender typeDirect lenderBroker
Free early repaymentNot confirmedYes
EligibilityNatural person aged 18 or over at application; resident or non-resident earning income in PolandNot confirmed
Origination fee (%)0%Not confirmed
Loan typesPersonal, Debt consolidation, Credit lineCovers morePersonal, Debt consolidation
Use casesHome improvementHome improvement

Credit cards

Alior vs CHECK24
FactAliorCHECK24
Annual feePLN 80Not confirmed
Currency conversion fee0%Not confirmed
Rewards typePointsNot confirmed
PerksTravel insurance, Concierge service, Airport lounge accessNot confirmed
Card kindCreditNot confirmed

Personal insurance

Alior vs CHECK24
FactAliorCHECK24
Premium fromPLN 15,000€0.69
Insurance typesAuto, Home, Life, Travel, Income protectionAuto, Home, Life, Health, Travel, Pet, Motorcycle, Dental, Income protection, GadgetCovers more
Provider typeBrokerComparison site
Cover limitSum insured guaranteed for the whole policy term (Bezpieczne Jutro); life cover for borrowers up to the amount of the loan grantedEUR 5 million to EUR 50 million, recommended at least EUR 10 million
Claims channelsPhone, Email, Help centreCHECK24 Versicherungscenter online claim form, Insurer online claim form, Post
Age rangeChildren from birth to 26 years of ageNot confirmed

Mortgages

Alior vs CHECK24
FactAliorCHECK24
Initial rate6.52%3.43%Lower
APRC6.52%3.5%Lower
Fixed period5 years10 yearsHigher
Maximum loan to value79.14%Higher66%
Product feePLN 0Not confirmed
PurposePurchasePurchase, RemortgageCovers more

Brokers

Alior vs CHECK24
FactAliorCHECK24
MarketsStocks, ETFs, Forex, CFDs, FundsNot confirmed
PlatformsAlior Gielda, Notowania Online 3, Alior 4 TraderNot confirmed

Where each stands against the rest

Alior vs CHECK24
FactAliorCHECK24Median
Headline rate4%above the median3.82%above the median3.3%
Term3 to 120 monthshighest quarter12 to 240 monthshighest quarter60
Minimum depositNot confirmed€0below the median€1

Median across 710 listed providers.

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

CHECK24

Pros

  • Broker model: broker means loan, mortgage and policy terms come from partner banks and insurers rather than from a single provider
  • Daily-access savings with no notice period, cancellable at any time, at a headline rate of 3.82%
  • A single catalogue covering auto, home and life, so most household policies can be compared in one place

Cons

  • A comparison site rather than an insurer or lender: comparison site means the terms and the protections depend on the partner matched to you
  • The median easy-access rate across the site is 3%, under the CHECK24 headline rate of 3.82%, so cheaper listings exist
  • The listed credit check is soft prequal, which leaves any hard search to the partner bank once an offer is accepted

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

CHECK24

Who it suits

  • German households holding several policy types who want one place to compare them all
  • Anyone parking cash in easy-access savings while keeping it reachable at any time
  • Borrowers who want a soft prequalification before a bank runs a full credit check

Who should look elsewhere

  • Anyone who wants a direct provider with its own terms, where bunq lends in its own name rather than matching you to partner banks
  • People who want life cover written and settled by a single insurer, where Linxea issues directly at a premium from €25
  • Readers outside Germany who want a portal registered in their own market, where bunq Spain answers to Spanish registration rather than the German chamber licences held by CHECK24

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

Country by country

Alior vs CHECK24
CountryAliorCHECK24
AustriaNoYes
FranceYesNo
GermanyNoYes
PolandYesNo
SpainNoYes

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.

CHECK24

Is CHECK24 a bank or an insurer?+

No. CHECK24 is a comparison site (comparison site) that sends requests out to partner banks and insurers, and the listed lender type is a broker. The loan or policy you end up holding is issued by the partner rather than by CHECK24, so the price, the terms and the protection all come from that partner.

How much does it cost to use CHECK24?+

There is no origination fee, listed at 0 EUR, and the daily-access savings account carries a monthly fee of €0. The savings headline rate is 3.82% and the minimum deposit is €0, so there is no balance hurdle before you start earning.

Other options to compare

Alior

Visit

CHECK24

Visit