Updated September 29, 2026 · SumCue Editorial Team
Alior vs EstateGuru
Alior
Higher score in this comparison
EstateGuru
Where Alior and EstateGuru differ
| Compare | AliorReviewVisitVisit | EstateGuruReviewVisitVisit |
|---|---|---|
| Headline rate | 4% | 7%Higher |
| Rate type | Variable | Fixed |
| Access terms | Interest credited monthly to the balance, so funds keep earning during deposits and withdrawals | KYC-completed Estateguru account required; interest paid monthly; no early exit, portfolio loans cannot be sold on the secondary market until borrower repayment |
| Account kind | Easy access | Fixed |
| Term | 3 to 120 months | Not confirmed |
| Minimum deposit | Not confirmed | €100 |
| Monthly fee | PLN 0 | Not confirmed |
Same on both: Deposit protection (EU DGS up to EUR 100,000).
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Key differences
- Alior scores higher overall: 8.9 vs 8.8.
- Founded is lower at Alior: 2008 vs 2013 to 2014.
- EstateGuru is licensed in 2 more countries.
- Headline rate is higher at EstateGuru: 7% vs 4%.
- Support channels: only EstateGuru offers Email, Chat.
- Pricing model: only Alior offers No monthly fee.
- Pricing model: only EstateGuru 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.
EstateGuru
EstateGuru pays 7% on its fixed loan based notes, with interest credited monthly and deposits covered by EU DGS up to EUR 100,000. It suits lenders who can leave cash in place and want the rate set from the day they join.
Score breakdown
| Area | Alior | EstateGuru |
|---|---|---|
| Cost | 9.1HigherA PLN 0 monthly fee on savings, a 0% (0 PLN) loan arrangement fee and a 0% card conversion fee. | 8.3 |
| Offer | 8.8The offer spans savings, cards, loans, mortgages, investing and insurance, with trading platforms Alior Gielda, Notowania Online 3 and Alior 4 Trader. | 9.8Higher |
| Trust | 8.8Higher | 8.6 |
Licences and countries
| Country | Alior | EstateGuru |
|---|---|---|
| Estonia | Not confirmed | |
| Finland | Not confirmed | |
| France | FR_ACPR PSD_PI FR_ACPR!89914 | Not confirmed |
| Lithuania | Not confirmed |
A third option
Plazo ES has headline rate at 24.19%, against 4% for Alior and 7% for EstateGuru.
Plazo ES reviewWhat we checked
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
EstateGuru
- estateguru.co: 10 facts, checked September 26, 2026
- fi.ee: 1 fact, checked September 26, 2026
How they place
| Ranking | Alior | EstateGuru |
|---|---|---|
| Savings | 30 of 1492 | 37 of 1492 |
| Loans | 121 of 2043 | 882 of 2043 |
| Mortgages | 11 of 853 | 15 of 853 |
Every fact side by side
| Fact | Alior | EstateGuru |
|---|---|---|
| Pricing model | No monthly fee | Fixed rate |
| Legal entity | CREDIT AGRICOLE PAYMENT SERVICES | Estateguru OU |
| Headquarters | France | Estonia |
| Founded | 2008Lower | 2013 to 2014 |
| Support channels | Phone, Help centre | Email, Chat, Phone, Help centreCovers more |
Loans
| Fact | Alior | EstateGuru |
|---|---|---|
| APR | 9.15% | Not confirmed |
| Loan amount | PLN 500 to PLN 250,000 | Not confirmed |
| Arrangement fee | 0% (0 PLN) | Not confirmed |
| Credit check | Hard | Not confirmed |
| Funding time | Funds transferred to the customer's account, possibly the same day | Not confirmed |
| Representative example | 41,800 PLN over 50 instalments of 985.55 PLN, RRSO 9.15%, 0 PLN fee | Not confirmed |
| Features | Same day funding | Not confirmed |
| Lender type | Direct lender | Not confirmed |
| Eligibility | Natural person aged 18 or over at application; resident or non-resident earning income in Poland | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
| Loan types | Personal, Debt consolidation, Credit line | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Credit cards
| Fact | Alior | EstateGuru |
|---|---|---|
| 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 | EstateGuru |
|---|---|---|
| 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 | EstateGuru |
|---|---|---|
| Initial rate | 6.52%Lower | 7.2% |
| APRC | 6.52% | Not confirmed |
| Fixed period | 5 yearsHigher | 3 years |
| Maximum loan to value | 79.14%Higher | 75% |
| Product fee | PLN 0 | Not confirmed |
| Purpose | Purchase | Not confirmed |
Brokers
| Fact | Alior | EstateGuru |
|---|---|---|
| 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 | EstateGuru | Median |
|---|---|---|---|
| Headline rate | 4%above the median | 7%highest quarter | 3.3% |
| Term | 3 to 120 monthshighest quarter | Not confirmed | 60 |
| Minimum deposit | Not confirmed | €100highest quarter | €1 |
| Monthly fee | PLN 0at the median | Not confirmed | PLN 0 |
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
EstateGuru
Pros
- A fixed rate of 7% held for the whole term
- Interest is credited to the account every month
- Deposits sit under EU DGS up to EUR 100,000
Cons
- Cash in the notes stays in place for the full term, with the rate held at 7% throughout
- The portfolio loans behind the notes stay off the secondary market until the borrower has repaid
- An Estateguru account with completed identity checks is required before you can hold notes
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
EstateGuru
Who it suits
- Lenders who want a fixed rate and can leave the cash in place
- Property investors who prefer monthly income from loans that run to term
- Savers with €100 or more who weigh cover above access
Who should look elsewhere
- Anyone who may need the money back before the term ends
- bunq, whose 3.01% pays less but keeps the balance open
- Wise, whose 3.29% suits everyday cash rather than a fixed note
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 | EstateGuru |
|---|---|---|
| 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.
EstateGuru
What rate does EstateGuru pay on its notes?+
The headline rate is 7% on fixed terms, set when you join and then held for the whole term. Interest is credited to your account every month rather than at the end of the term.
Is my money protected at EstateGuru?+
Deposits are covered by EU DGS up to EUR 100,000. The provider is listed with Finantsinspektsioon, the Estonian Financial Supervision and Resolution Authority, under registration 4.1-1/48, and it appears among the crowdfunding service providers that regulator supervises.
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