Updated September 28, 2026 · SumCue Editorial Team
Alior vs DKB (Deutsche Kreditbank)
Alior
DKB (Deutsche Kreditbank)
Higher score in this comparison
Alior vs DKB (Deutsche Kreditbank): the differences
| Compare | AliorReviewVisitVisit | DKB (Deutsche Kreditbank)ReviewVisitVisit |
|---|---|---|
| Rate type | Variable | Fixed |
| Term | 3 to 120 months | 12 to 120 months |
| Monthly fee | PLN 0 | €0 |
| Headline rate | 4% | Not confirmed |
| Access terms | Interest credited monthly to the balance, so funds keep earning during deposits and withdrawals | Not confirmed |
| Account kind | Easy access | Not confirmed |
Same on both: Deposit protection (EU DGS up to EUR 100,000).
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Key differences
- DKB (Deutsche Kreditbank) scores higher overall: 9.0 vs 8.9.
- Founded is lower at DKB (Deutsche Kreditbank): 1990 vs 2008.
- Alior is available in 1 more country.
- Support channels: only Alior offers Phone.
- Support channels: only DKB (Deutsche Kreditbank) offers Email.
- Pricing model: only Alior offers No monthly fee.
- Pricing model: only DKB (Deutsche Kreditbank) offers Fixed rate.
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.
DKB (Deutsche Kreditbank)
DKB suits adults in Germany who want a fee based Visa credit card for travel spending, a free current account and a no fee depot under one bank. Personal loans sit at a fixed rate and an APR of 6.99% with free early repayment.
Score breakdown
| Area | Alior | DKB (Deutsche Kreditbank) |
|---|---|---|
| Cost | 9.1HigherA PLN 0 monthly fee on savings, a 0% (0 PLN) loan arrangement fee and a 0% card conversion fee. | 8.9Card annual fee €29.88 against site median €0; the current account and depot charge €0 and €0. |
| Offer | 8.8HigherThe offer spans savings, cards, loans, mortgages, investing and insurance, with trading platforms Alior Gielda, Notowania Online 3 and Alior 4 Trader. | 8.7 |
| Trust | 8.8 | 9.1Higher |
Licences and countries
| Country | Alior | DKB (Deutsche Kreditbank) |
|---|---|---|
| France | FR_ACPR PSD_PI FR_ACPR!89914 | Not confirmed |
Additional countries for Alior: 2. Additional countries for DKB (Deutsche Kreditbank): 1.
Ranges side by side
| Fact | Alior | DKB (Deutsche Kreditbank) |
|---|---|---|
| Term | 3 to 120 months | 12 to 120 months |
How they place
| Ranking | Alior | DKB (Deutsche Kreditbank) |
|---|---|---|
| Savings | 30 of 1492 | 7 of 1492 |
| Loans | 121 of 2043 | 16 of 2043 |
| Personal loans | 102 of 1317 | 13 of 1317 |
| Mortgages | 11 of 853 | 2 of 853 |
| Credit and debit cards | 41 of 1594 | 5 of 1594 |
| Debit cards | 353 of 826 | 3 of 826 |
| Investing | 35 of 654 | 8 of 654 |
| Stock and ETF brokers | 23 of 358 | 5 of 358 |
Every fact side by side
| Fact | Alior | DKB (Deutsche Kreditbank) |
|---|---|---|
| Pricing model | No monthly fee | Fixed rate |
| Legal entity | CREDIT AGRICOLE PAYMENT SERVICES | Deutsche Kreditbank AG |
| Headquarters | France | Germany |
| Founded | 2008 | 1990Lower |
| Support channels | Phone, Help centre | Email, Help centre |
Loans
| Fact | Alior | DKB (Deutsche Kreditbank) |
|---|---|---|
| APR | 9.15% | 6.99%Lower |
| Loan amount | PLN 500 to PLN 250,000 | €2,500 to €100,000 |
| Arrangement fee | 0% (0 PLN) | Not confirmed |
| Credit check | Hard | Soft prequal |
| Funding time | Funds transferred to the customer's account, possibly the same day | Privatkredit Sofort: usually within 30 minutes; Privatkredit Klassisch: within 1-2 days |
| Representative example | 41,800 PLN over 50 instalments of 985.55 PLN, RRSO 9.15%, 0 PLN fee | Nettodarlehensbetrag 15.000 Euro, Laufzeit 120 Monate, effektiver Jahreszins 6,99 % p. a., mtl. Rate 172,43 Euro, Gesamtbetrag 20.691,92 Euro |
| Features | Same day funding | Travel |
| 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 | Of age and main residence in Germany; not self-employed or freelance; in permanent employment or on an indefinite pension; German mobile number and online-banking access to the salary account |
| Origination fee (%) | 0% | Not confirmed |
| Loan types | Personal, Debt consolidation, Credit line | Personal, Car, Debt consolidation |
| Use cases | Home improvement | Home improvement |
Credit cards
| Fact | Alior | DKB (Deutsche Kreditbank) |
|---|---|---|
| Annual fee | PLN 80 | €29.88 |
| Currency conversion fee | 0% | Not confirmed |
| Rewards type | Points | None |
| Perks | Travel insurance, Concierge service, Airport lounge access | 3 free digital newspapers/magazines monthly via Digital Kiosk, Emergency card and emergency cash if lost abroad, Visa Secure authentication for online purchases, Card Control for transaction alerts and security settings, Worldwide fee free payments and cash withdrawals at Visa points |
| Card kind | Credit | Credit |
| Audience | Not confirmed | Kids |
Personal insurance
| Fact | Alior | DKB (Deutsche Kreditbank) |
|---|---|---|
| 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 | DKB (Deutsche Kreditbank) |
|---|---|---|
| Initial rate | 6.52% | Not confirmed |
| APRC | 6.52% | Not confirmed |
| Fixed period | 5 years | 5 to 30 yearsHigher |
| Maximum loan to value | 79.14% | Not confirmed |
| Product fee | PLN 0 | Not confirmed |
| Purpose | Purchase | Purchase, RemortgageCovers more |
Brokers
| Fact | Alior | DKB (Deutsche Kreditbank) |
|---|---|---|
| Account fee | Not confirmed | €0 |
| Markets | Stocks, ETFs, Forex, CFDs, Funds | Stocks, ETFs, Funds, Bonds |
| Platforms | Alior Gielda, Notowania Online 3, Alior 4 Trader | Web Banking, DKB App |
Debit cards
| Fact | Alior | DKB (Deutsche Kreditbank) |
|---|---|---|
| Card type | Not confirmed | Debit |
| Card network | Not confirmed | Visa |
Where each stands against the rest
| Fact | Alior | DKB (Deutsche Kreditbank) | Median |
|---|---|---|---|
| Headline rate | 4%above the median | Not confirmed | 3.3% |
| Term | 3 to 120 monthshighest quarter | 12 to 120 monthshighest quarter | 60 |
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
DKB (Deutsche Kreditbank)
Pros
- The 3 free digital newspapers/magazines monthly via Digital Kiosk, Emergency card and emergency cash if lost abroad and Visa Secure authentication for online purchases list covers fee free payments worldwide and emergency cash if the card is lost abroad.
- Personal loans cover personal, car and debt consolidation with free early repayment, a soft prequalification check and terms of 12 to 120.
- The current account and depot are free, deposits carry EU DGS up to EUR 100,000, and the bank was founded in 1990.
Cons
- Loan eligibility is narrow: adults with main residence in Germany, permanent employment or an indefinite pension, a German mobile number and online banking access to the salary account.
- The annual fee of €29.88 is above the site median of €0, and the rewards type is none.
- Support runs on email and help centre only, with no phone line listed.
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
DKB (Deutsche Kreditbank)
Who it suits
- Adults in Germany who want a fee based Visa credit card for travel spending alongside a free current account.
- People in permanent employment planning a car purchase, home improvement or debt consolidation at a fixed rate.
- Savings and investment beginners who want a free depot covering stocks, etfs and funds.
Who should look elsewhere
- Reward seekers, since the rewards type is none, while bunq and Wise set annual fees of €0 and £0.
- Self employed and freelance applicants, and anyone without main residence in Germany, since the loan eligibility rules them out; Varo Believe Secured Credit Card suits readers who want a secured card instead.
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
DKB (Deutsche Kreditbank)
Current offer
Bonus
Welcome bonus for new credit card holders: €30
Make three purchases of €5 or more each within 6 weeks of application. Valid for applications between 08/17/2026 and 12/31/2026. Bonus credited approximately 3 months after application
Source, checked September 26, 2026
First period offer
First year annual fee waived: €29.88
First year card fee covered by promotion if bonus conditions are met
Source, checked September 26, 2026
Country by country
| Country | Alior | DKB (Deutsche Kreditbank) |
|---|---|---|
| France | Yes | No |
| Germany | 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.
DKB (Deutsche Kreditbank)
What does the DKB credit card cost each year?+
The card's annual fee is €29.88, higher than the site median of €0. Payments and cash withdrawals are free at Visa points worldwide, and the card runs on visa. There is no rewards scheme, as the rewards type is none.
Are the current account and the depot free to keep?+
Yes. The current account charges €0 a month and the depot charges €0 a year. You can run both from Web Banking and DKB App, the depot covers stocks, etfs and funds, and the account's listed feature is travel.
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