Updated September 28, 2026 · SumCue Editorial Team
Alior vs Income Insurance
Alior
Income Insurance
Higher score in this comparison
What sets them apart
| Compare | AliorReviewVisitVisit | Income InsuranceReviewVisitVisit |
|---|---|---|
| Headline rate | 4% | Not confirmed |
| Rate type | Variable | Not confirmed |
| Term | 3 to 120 months | Not confirmed |
| Deposit protection | EU DGS up to EUR 100,000 | Not confirmed |
| Access terms | Interest credited monthly to the balance, so funds keep earning during deposits and withdrawals | Not confirmed |
| Monthly fee | PLN 0 | Not confirmed |
| Account kind | Easy access | Not confirmed |
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Key differences
- Income Insurance scores higher overall: 9.4 vs 8.9.
- Founded is lower at Income Insurance: 1970 vs 2008.
- Alior is available in 1 more country.
- Support channels: only Income Insurance offers Email.
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.
Income Insurance
Income Insurance is a Singapore insurer selling auto, home, life, health, travel, pet and motorcycle cover, with a starting premium of SGD 0.60. It suits households that want several kinds of cover under one insurer, and seniors sit among the audience it names.
Score breakdown
| Area | Alior | Income Insurance |
|---|---|---|
| Cost | 9.1A PLN 0 monthly fee on savings, a 0% (0 PLN) loan arrangement fee and a 0% card conversion fee. | 9.1Starting premium of SGD 0.60 ranks 25 of 251 brands on premium from, while pet cover carries an excess of SGD 250. |
| Offer | 8.8The offer spans savings, cards, loans, mortgages, investing and insurance, with trading platforms Alior Gielda, Notowania Online 3 and Alior 4 Trader. | 9.5Higher |
| Trust | 8.8 | 9.5Higher |
How they place
| Ranking | Alior | Income Insurance |
|---|---|---|
| Savings | 30 of 1492 | 16 of 1492 |
| Insurance | 39 of 627 | 15 of 627 |
| Life insurance | 14 of 238 | 4 of 238 |
| Car insurance | 17 of 279 | 3 of 279 |
| Home insurance | 15 of 258 | 4 of 258 |
| Travel insurance | 25 of 278 | 8 of 278 |
Licences and countries
| Country | Alior | Income Insurance |
|---|---|---|
| France | FR_ACPR PSD_PI FR_ACPR!89914 | Not confirmed |
Additional countries for Alior: 2. Additional countries for Income Insurance: 1.
What 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
Income Insurance
- income.com.sg: 4 facts, checked September 26, 2026
Every fact side by side
| Fact | Alior | Income Insurance |
|---|---|---|
| Pricing model | No monthly fee | Not confirmed |
| Legal entity | CREDIT AGRICOLE PAYMENT SERVICES | Income Insurance Limited |
| Headquarters | France | Singapore |
| Founded | 2008 | 1970Lower |
| Support channels | Phone, Help centre | Phone, Email, Help centreCovers more |
Loans
| Fact | Alior | Income Insurance |
|---|---|---|
| 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 | Income Insurance |
|---|---|---|
| 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 |
| Audience | Not confirmed | Seniors |
Personal insurance
| Fact | Alior | Income Insurance |
|---|---|---|
| Premium from | PLN 15,000 | SGD 0.60 |
| Insurance types | Auto, Home, Life, Travel, Income protection | Auto, Home, Life, Health, Travel, Pet, Motorcycle |
| Provider type | Broker | Insurer |
| Excess from | Not confirmed | SGD 250 |
| Cover limit | Sum insured guaranteed for the whole policy term (Bezpieczne Jutro); life cover for borrowers up to the amount of the loan granted | S$8,500 - S$27,000 maximum annual coverage per policy year (Happy Tails Pet Insurance) |
| Claims channels | Phone, Email, Help centre | Phone, Email, Online form, Mobile app, Customer portal |
| Age range | Children from birth to 26 years of age | Pet insured must be at least 16 weeks old and below 9 years old at policy start |
Mortgages
| Fact | Alior | Income Insurance |
|---|---|---|
| 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 | Income Insurance |
|---|---|---|
| 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 | Income Insurance | Median |
|---|---|---|---|
| Headline rate | 4%above the median | Not confirmed | 3.3% |
| Term | 3 to 120 monthshighest quarter | Not confirmed | 60 |
| 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
Income Insurance
Pros
- One insurer handles auto, home and life.
- Starting premiums of SGD 0.60, with the site's median starting premium at €8.31.
- Claims can be started through phone, email and online form.
Cons
- The pet policy starts at an excess of SGD 250, and its annual cover is capped at a set maximum.
- The pet line under auto, home and life only begins inside a set age band, so an older animal falls outside it.
- Pricing and cover sit in a single market, SG, and the only audience named is seniors.
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
Income Insurance
Who it suits
- Households in Singapore who want motor, home, life, health, travel, pet and motorcycle cover arranged with one provider.
- Seniors, the only audience named under seniors.
- Pet owners with a young animal who are comfortable paying SGD 250 first on a vet bill.
Who should look elsewhere
- Readers chasing the lowest starting premium on the site, since bunq and bunq Spain list €0 and €0.
- Anyone who needs cover in a market other than SG, for whom bunq Spain is the option here tied to a different country.
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
Income Insurance
Current offer
Discount code
Up to 20% off + 188,000 STAR$ on Domestic Helper Insurance: up to 20% off + 188,000 STAR$
Promo code GDH188 at checkout for qualifying policies purchased via Income Insurance website or My Income app
Source, checked September 26, 2026
Bonus
Up to 8% cashback on first-year premium for Complete Life Secure: up to 8% cashback on first-year premium
Purchase of an eligible Complete Life Secure plan, with Early Critical Secure rider
Source, checked September 26, 2026
Country by country
| Country | Alior | Income Insurance |
|---|---|---|
| France | Yes | No |
| Poland | Yes | No |
| Singapore | 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.
Income Insurance
What kinds of insurance does Income Insurance sell?+
Income Insurance writes auto, home and life policies, so motor, home, life, health, travel, pet and motorcycle cover all sit with one provider. It is classed as an insurer rather than a comparison site, and it operates from SG.
What is the cheapest premium?+
The advertised starting premium is SGD 0.60. The site's median starting premium is €8.31, with a lower quartile of €2.92 and an upper quartile of €29.72. Income sits in the cheaper part of that range.
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