Updated September 28, 2026 · SumCue Editorial Team
Alior vs CIMB Bank
Alior
Higher score in this comparison
CIMB Bank
What sets them apart
| Compare | AliorReviewVisitVisit | CIMB BankReviewVisitVisit |
|---|---|---|
| Headline rate | 4%Higher | 0.25% |
| Term | 3 to 120 monthsHigher | 24 to 84 months |
| Access terms | Interest credited monthly to the balance, so funds keep earning during deposits and withdrawals | Withdraw funds at any time from an ATM, online, or at a branch |
| Monthly fee | PLN 0 | MYR 0 |
| Minimum deposit | Not confirmed | MYR 20 |
| Deposit protection | EU DGS up to EUR 100,000 | Not confirmed |
Same on both: Rate type (Variable), Account kind (Easy access).
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Key differences
- Alior scores higher overall: 8.9 vs 8.8.
- Headline rate is higher at Alior: 4% vs 0.25%.
- Term is higher at Alior: 3 to 120 months vs 24 to 84 months.
- Support channels: only Alior offers Phone.
- Pricing model: only Alior offers No monthly fee.
- Pricing model: only CIMB Bank offers No annual fee.
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.
CIMB Bank
CIMB Bank suits Malaysian savers and borrowers who want plain costs and fast access to money. Its easy-access Basic Savings Account pays 0.25% on variable terms with no annual fee, and its Cash Plus personal loan carries an arrangement fee of RM0 (no processing fee).
Score breakdown
| Area | Alior | CIMB Bank |
|---|---|---|
| Cost | 9.1A PLN 0 monthly fee on savings, a 0% (0 PLN) loan arrangement fee and a 0% card conversion fee. | 9.2Higher |
| Offer | 8.8HigherThe offer spans savings, cards, loans, mortgages, investing and insurance, with trading platforms Alior Gielda, Notowania Online 3 and Alior 4 Trader. | 8.2 |
| Trust | 8.8 | Not confirmed |
From lowest to highest
| Fact | Alior | CIMB Bank |
|---|---|---|
| Term | 3 to 120 months | 24 to 84 months |
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
CIMB Bank
- cimb.com.my: 11 facts, checked September 26, 2026
How they place
| Ranking | Alior | CIMB Bank |
|---|---|---|
| Savings | 30 of 1492 | 36 of 1492 |
| Savings accounts | 20 of 658 | 24 of 658 |
| Loans | 121 of 2043 | 127 of 2043 |
| Personal loans | 102 of 1317 | 106 of 1317 |
| Mortgages | 11 of 853 | 14 of 853 |
| Credit and debit cards | 41 of 1594 | 46 of 1594 |
| Debit cards | 353 of 826 | 32 of 826 |
Every fact side by side
| Fact | Alior | CIMB Bank |
|---|---|---|
| Pricing model | No monthly fee | No annual fee |
| Legal entity | CREDIT AGRICOLE PAYMENT SERVICES | CIMB Bank Berhad |
| Headquarters | France | Malaysia |
| Founded | 2008 | Not confirmed |
| Support channels | Phone, Help centreCovers more | Help centre |
Loans
| Fact | Alior | CIMB Bank |
|---|---|---|
| APR | 9.15%Lower | 15% |
| Loan amount | PLN 500 to PLN 250,000 | MYR 2,000 to MYR 100,000 |
| Arrangement fee | 0% (0 PLN) | RM0 (no processing fee) |
| Credit check | Hard | Not confirmed |
| Funding time | Funds transferred to the customer's account, possibly the same day | Instant disbursement; approved and disbursed in 10 minutes |
| Representative example | 41,800 PLN over 50 instalments of 985.55 PLN, RRSO 9.15%, 0 PLN fee | Cash Plus Personal Loan: fixed 4.38% p.a. equivalent to effective interest rate 8.08% p.a. on 5-year tenure |
| Features | Same day funding | Rewards |
| Lender type | Direct lender | Direct lender |
| Free early repayment | Not confirmed | Yes |
| Eligibility | Natural person aged 18 or over at application; resident or non-resident earning income in Poland | Malaysian citizen, aged 21 to 58 (max 60 at loan maturity), minimum monthly gross income RM2,000, employed over 6 consecutive months |
| Origination fee (%) | 0%Lower | 0.5% |
| Loan types | Personal, Debt consolidation, Credit lineCovers more | Personal |
| Use cases | Home improvement | Not confirmed |
Credit cards
| Fact | Alior | CIMB Bank |
|---|---|---|
| Annual fee | PLN 80 | MYR 0 |
| Currency conversion fee | 0% | Not confirmed |
| Rewards type | Points | Cashback |
| Rewards rate | Not confirmed | Unlimited Cash Rebate |
| Perks | Travel insurance, Concierge service, Airport lounge access | Not confirmed |
| Card kind | Credit | Credit |
Personal insurance
| Fact | Alior | CIMB Bank |
|---|---|---|
| Premium from | PLN 15,000 | Not confirmed |
| Insurance types | Auto, Home, Life, Travel, Income protection | Not confirmed |
| Provider type | Broker | Not confirmed |
| 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 |
| Claims channels | Phone, Email, Help centre | Not confirmed |
| Age range | Children from birth to 26 years of age | Not confirmed |
Mortgages
| Fact | Alior | CIMB Bank |
|---|---|---|
| Initial rate | 6.52% | 4.8% to 5.2%Lower |
| APRC | 6.52% | Not confirmed |
| Fixed period | 5 years | Not confirmed |
| Maximum loan to value | 79.14% | 100%Higher |
| Product fee | PLN 0 | MYR 0 |
| Purpose | Purchase | Purchase, First time buyerCovers more |
Brokers
| Fact | Alior | CIMB Bank |
|---|---|---|
| Markets | Stocks, ETFs, Forex, CFDs, Funds | Not confirmed |
| Platforms | Alior Gielda, Notowania Online 3, Alior 4 Trader | Not confirmed |
Where each stands against the rest
| Fact | Alior | CIMB Bank | Median |
|---|---|---|---|
| Headline rate | 4%above the median | 0.25%lowest quarter | 3.3% |
| Term | 3 to 120 monthshighest quarter | 24 to 84 monthsabove the median | 60 |
| Minimum deposit | Not confirmed | MYR 20at the median | MYR 20 |
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
CIMB Bank
Pros
- The debit card carries an annual fee of MYR 0, so there is no yearly charge to hold it
- Personal loans charge an arrangement fee of RM0 (no processing fee), plus 0.5% on the loan amount
- Funding time is listed as Instant disbursement; approved and disbursed in 10 minutes, so an approved loan does not sit waiting on a payout
Cons
- Support runs on help centre only, so most questions are handled through the help centre itself
- The savings rate is variable at 0.25%, so the return can rise or fall with the base rate
- Loan eligibility is limited to Malaysian citizens who are adults, with a minimum monthly gross income and a waiting period of employment
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
CIMB Bank
Who it suits
- Malaysian adults who want an easy-access savings balance held with no monthly fee
- Borrowers who want a personal loan with an arrangement fee of RM0 (no processing fee) and quick disbursement
- First-time home buyers using the CIMB My First Home purchase route with up to 100% loan to value
Who should look elsewhere
- Anyone outside Malaysia, since the personal loan eligibility rests on Malaysian citizenship
- Savers who want a locked rate, because the rate type on the savings account is variable
- Borrowers who cannot meet the minimum monthly gross income requirement for approval
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
| Country | Alior | CIMB Bank |
|---|---|---|
| France | Yes | No |
| Poland | Yes | No |
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.
CIMB Bank
What rate does the Basic Savings Account pay?+
It pays a headline rate of 0.25% at a variable rate type, so the return follows the base rate. The account opens with a minimum deposit of MYR 20, and the monthly fee is MYR 0.
How much does it cost to hold a CIMB Bank account?+
The monthly fee on the savings account is MYR 0, and the annual fee on the cards is MYR 0. Money in the savings account is easy-access, so you can take it out whenever you need it, at an ATM, online or at a branch counter.
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