Updated September 29, 2026 · SumCue Editorial Team
Alior vs Creduma ES
Alior
Higher score in this comparison
Creduma ES
Where Alior and Creduma ES differ
| Compare | AliorReviewVisitVisit | Creduma ESReviewVisitVisit |
|---|---|---|
| Loan amount | PLN 500 to PLN 250,000 | from €12,000 |
| Arrangement fee | 0% (0 PLN) | 0 EUR upfront: no advance commissions and no initial payments, fees charged only if a real solution is obtained |
| Credit check | Hard | Soft prequal |
| Funding time | Funds transferred to the customer's account, possibly the same day | Offer in under 24 hours; money in the account in 7 days after signing |
| Lender type | Direct lender | Broker |
| Eligibility | Natural person aged 18 or over at application; resident or non-resident earning income in Poland | Residents in Spain aged 18 or over who own a property used as collateral (aval hipotecario) |
| Loan types | Personal, Debt consolidation, Credit line | Secured, Debt consolidation |
| APR | 9.15% | Not confirmed |
| Term | 3 to 120 months | Not confirmed |
| Representative example | 41,800 PLN over 50 instalments of 985.55 PLN, RRSO 9.15%, 0 PLN fee | Not confirmed |
| Rate type | Variable | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
| Credit needed | Not confirmed | Poor |
| Use cases | Home improvement | Not confirmed |
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
- Alior scores higher overall: 8.9 vs 8.8.
- Alior is available in 1 more country.
- Loan types: only Alior offers Personal, Credit line.
- Loan types: only Creduma ES offers Secured.
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.
Creduma ES
Creduma suits adults resident in Spain who own a home and seek secured debt consolidation through a broker. Loans start at from €12,000 with prequalification shown as soft prequal and support through email and phone. Funding involves an offer after a short wait with payout after a waiting period following signing.
Score breakdown
| Area | Alior | Creduma ES |
|---|---|---|
| Cost | 9.1A PLN 0 monthly fee on savings, a 0% (0 PLN) loan arrangement fee and a 0% card conversion fee. | Not confirmed |
| Offer | 8.8The offer spans savings, cards, loans, mortgages, investing and insurance, with trading platforms Alior Gielda, Notowania Online 3 and Alior 4 Trader. | 9.2HigherOffer strength reflects secured and debt consolidation focus shown in secured and debt consolidation for home equity needs. |
| Trust | 8.8Higher | 8.5Trust reflects brokerage model described in broker with prequalification shown in soft prequal. |
Where they rank in our lists
| Ranking | Alior | Creduma ES |
|---|---|---|
| Loans | 121 of 2043 | 43 of 2043 |
| Mortgages | 11 of 853 | 3 of 853 |
Where these facts come from
Alior
- aliorbank.pl: 14 facts, checked September 26, 2026
- euclid.eba.europa.eu: 2 facts, checked September 26, 2026
- pkobp.pl: 2 facts, checked September 26, 2026
- en.wikipedia.org: 1 fact, checked September 26, 2026
Creduma ES
- creduma.com: 8 facts, checked September 26, 2026
Every fact side by side
| Fact | Alior | Creduma ES |
|---|---|---|
| Pricing model | No monthly fee | Not confirmed |
| Features | Same day funding | Not confirmed |
| Legal entity | CREDIT AGRICOLE PAYMENT SERVICES | Not confirmed |
| Headquarters | France | Not confirmed |
| Founded | 2008 | Not confirmed |
| Support channels | Phone, Help centre | Not confirmed |
Credit cards
| Fact | Alior | Creduma ES |
|---|---|---|
| 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 |
Personal insurance
| Fact | Alior | Creduma ES |
|---|---|---|
| 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 | Creduma ES |
|---|---|---|
| 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 | €0 |
| Purpose | Purchase | Remortgage, Home equity |
Brokers
| Fact | Alior | Creduma ES |
|---|---|---|
| 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 | Creduma ES | Median |
|---|---|---|---|
| APR | 9.15%below the median | Not confirmed | 9.99% |
| Term | 3 to 120 monthshighest quarter | Not confirmed | 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
Creduma ES
Pros
- Secured and debt consolidation focus shown in secured and debt consolidation suits homeowners aiming to combine debts against property value
- Starting loan size of from €12,000 suits larger home equity plans, above Ibancar Prestamos amounts of €600 to €8,000
- Prequalification shown in soft prequal allows initial review with less impact than a full hard check
Cons
- Support runs on email and phone only, which limits choice for people who prefer chat or help centre contact.
- Funding relies on a broker path shown in broker, so approval depends on partner lenders rather than direct lending.
- Borrowing is tied to remortgage and home equity and property collateral, so renters or owners unwilling to pledge a home face a barrier.
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
Creduma ES
Who it suits
- Homeowners in Spain seeking secured borrowing with loans of from €12,000
- Applicants with weaker credit shown as poor who can pledge property as collateral
- Borrowers seeking remortgage or home equity uses shown in remortgage and home equity via a broker shown in broker
Who should look elsewhere
- Renters or borrowers without pledgeable property, where Ibancar Prestamos with amounts of €600 to €8,000 may be more relevant
- Borrowers seeking small unsecured advances, where DKB with amounts of €2,500 to €100,000 may be more relevant
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
Creduma ES
Current offer
Discount code
Free financial case study (estudio gratuito): 0 EUR, no upfront payment
Prequalification study with no commitment; fees are only charged if a real solution is obtained, with no advance commissions or initial payments
Source, checked September 26, 2026
Country by country
| Country | Alior | Creduma ES |
|---|---|---|
| France | Yes | No |
| Poland | Yes | No |
| Spain | 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.
Creduma ES
What type of loans does Creduma arrange?+
Creduma arranges secured borrowing and debt consolidation loans shown in secured and debt consolidation. It focuses on home equity and remortgage needs shown in remortgage and home equity. Applicants are adults resident in Spain who own property pledged as collateral. The broker path means terms depend on the matched lender.
How large are Creduma loan amounts?+
Loan sizes start at from €12,000. That level points to larger secured borrowing rather than small unsecured advances. Applicants should compare that starting point with Ibancar Prestamos amounts of €600 to €8,000 and DKB amounts of €2,500 to €100,000 to gauge fit for debt consolidation.
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