Updated September 28, 2026 · SumCue Editorial Team
Alior vs Compass
Alior
Compass
Higher score in this comparison
Alior vs Compass: the differences
| Compare | AliorReviewVisitVisit | CompassReviewVisitVisit |
|---|---|---|
| APR | 9.15% | 7.38% to 15.84%Lower |
| Loan amount | PLN 500 to PLN 250,000 | €1,000 to €30,000 |
| Term | 3 to 120 monthsHigher | 24 to 96 months |
| Arrangement fee | 0% (0 PLN) | 0 EUR for online loans from 1,000 to 5,000 EUR |
| Funding time | Funds transferred to the customer's account, possibly the same day | Outcome within the next working day; existing app customers up to 5,000 EUR in 60 seconds |
| Representative example | 41,800 PLN over 50 instalments of 985.55 PLN, RRSO 9.15%, 0 PLN fee | Prestito Online EUR 7,000: TAEG 7.38% to 15.84%, fixed TAN 6.9% to 13.89%, 60 monthly instalments of EUR 138.69 to 139.92 |
| Rate type | Variable | Fixed |
| Eligibility | Natural person aged 18 or over at application; resident or non-resident earning income in Poland | Italian or foreign citizen aged 18 to 82, resident in Italy |
| Loan types | Personal, Debt consolidation, Credit lineCovers more | Personal, Debt consolidation |
| Free early repayment | Not confirmed | Yes |
| Origination fee (%) | 0% | Not confirmed |
Same on both: Credit check (Hard), Lender type (Direct lender), Use cases (Home improvement).
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Key differences
- Compass scores higher overall: 9.4 vs 8.9.
- Founded is lower at Compass: 1960 vs 2008.
- Alior is available in 1 more country.
- APR is lower at Compass: 7.38% to 15.84% vs 9.15%.
- Term is higher at Alior: 3 to 120 months vs 24 to 96 months.
- Pricing model: only Alior offers No monthly fee.
- Pricing model: only Compass offers Fixed rate.
- Loan types: only Alior offers Credit line.
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.
Compass
Compass is a bank-direct lender for Italian residents, and it is a poor fit for you if you need to check rates without a hard credit check. hard stands, and 7.38% to 15.84% sits well under the 15.5% typical of the wider market, with free early repayment on every loan.
Score breakdown
| Area | Alior | Compass |
|---|---|---|
| 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 | 8.8The offer spans savings, cards, loans, mortgages, investing and insurance, with trading platforms Alior Gielda, Notowania Online 3 and Alior 4 Trader. | 9.2HigherFixed-rate loans of €1,000 to €30,000 over 24 to 96, with 0 EUR for online loans from 1,000 to 5,000 EUR for online loans. |
| Trust | 8.8 | 9.6Higher |
What it costs in practice
Borrow a typical amount over a typical term (estimate at the stated APR)
Alior
1,473.05
1,473.05
Compass
1,178.41 to 2,628.11
1,178.41 to 2,628.11
Compass comes out 294.64 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Also worth a look
Sofkredit has term at 6 to 240 months, against 3 to 120 months for Alior and 24 to 96 months for Compass.
Sofkredit reviewHow they place
| Ranking | Alior | Compass |
|---|---|---|
| Loans | 121 of 2043 | 85 of 2043 |
| Personal loans | 102 of 1317 | 72 of 1317 |
| Credit and debit cards | 41 of 1594 | 19 of 1594 |
| Insurance | 39 of 627 | 14 of 627 |
| Home insurance | 15 of 258 | 3 of 258 |
| Travel insurance | 25 of 278 | 7 of 278 |
Every fact side by side
| Fact | Alior | Compass |
|---|---|---|
| Pricing model | No monthly fee | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | CREDIT AGRICOLE PAYMENT SERVICES | Compass Banca S.p.A. |
| Headquarters | France | Italy |
| Founded | 2008 | 1960Lower |
| Support channels | Phone, Help centre | Phone, Help centre |
Credit cards
| Fact | Alior | Compass |
|---|---|---|
| Annual fee | PLN 80 | €0 |
| Currency conversion fee | 0% | Not confirmed |
| Rewards type | Points | Cashback |
| Rewards rate | Not confirmed | Cashback Base on spending above a minimum threshold |
| Perks | Travel insurance, Concierge service, Airport lounge access | No annual fee, Stamp duty paid by Compass, Paper and digital statement at EUR 0, Initial credit line of EUR 1,500, Issued and activated directly in branch, Visa circuit with contactless and 3D Secure, Apple Pay and Google Pay, Free SMS transaction alerts, Free 24/7 card blocking number |
| Card kind | Credit | Credit |
Personal insurance
| Fact | Alior | Compass |
|---|---|---|
| Premium from | PLN 15,000 | Not confirmed |
| Insurance types | Auto, Home, Life, Travel, Income protection | Home, Home emergency, Health, Travel, Pet |
| Provider type | Broker | Broker |
| Monthly payments | Not confirmed | Yes |
| 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 | Phone, Email, Online portal, Post |
| Age range | Children from birth to 26 years of age | 18+ (resident in Italy) |
Mortgages
| Fact | Alior | Compass |
|---|---|---|
| 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 | Compass |
|---|---|---|
| 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 | Compass | Median |
|---|---|---|---|
| APR | 9.15%below the median | 7.38% to 15.84%below the median | 9.99% |
| Term | 3 to 120 monthshighest quarter | 24 to 96 monthshighest quarter | 60 |
| Origination fee (%) | 0%at the median | Not confirmed | 0% |
Median across 1096 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
Compass
Pros
- 0 EUR for online loans from 1,000 to 5,000 EUR for online loans of €1,000 to €30,000
- same day funding is listed, and existing app customers get a fast decision
- Free early repayment is offered, as 79.4% of the market does
Cons
- hard means applying can leave a mark on the credit file
- phone and help centre are listed, so there is no live chat on the loan side
- 7.38% to 15.84% tops out at more than twice the 7.85% low end seen across the market
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
Compass
Who it suits
- Italian residents in their adulthoods looking for fixed rate pricing
- People consolidating existing debts, since personal and debt consolidation are listed
- Branch customers who also want a credit card with €0
Who should look elsewhere
- Anyone who wants a soft check, because hard
- Borrowers outside Italy, since Italian or foreign citizen aged 18 to 82, resident in Italy requires residence in Italy
- Those who want live chat, because phone and help centre cover phone and a help centre only
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
Compass
Current offer
Bonus
Spese di istruttoria azzerate (Prestito Online): 0 EUR origination fee on online loans from 1,000 to 5,000 EUR
Perfezionamento via web della richiesta di Prestito Online; offer validity dates not displayed on the page
Source, checked September 26, 2026
Country by country
| Country | Alior | Compass |
|---|---|---|
| France | Yes | No |
| Italy | No | Yes |
| 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.
Compass
What rate will I pay on a Compass personal loan?+
Loans are fixed rate at an APR of 7.38% to 15.84%, and the rate you get depends on your profile. The example on file shows 7.38% to 15.84% against a fixed nominal rate, with equal monthly instalments across the term. Early repayment is free, so paying the loan off sooner costs nothing extra.
Is there an arrangement fee on a Compass loan?+
Online loans carry 0 EUR for online loans from 1,000 to 5,000 EUR. Larger amounts may be handled as a branch arrangement, where the fee is quoted separately on the offer. The credit card is a different product and its €0 is separate again.
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