Updated September 28, 2026 · SumCue Editorial Team
Alior vs Lemonade
Alior
Lemonade
Higher score in this comparison
Alior vs Lemonade: the differences
| Compare | AliorReviewVisitVisit | LemonadeReviewVisitVisit |
|---|---|---|
| Premium from | PLN 15,000 | $5 |
| Insurance types | Auto, Home, Life, Travel, Income protection | Auto, Home, Renters, Life, Pet |
| Provider type | Broker | Insurer |
| Cover limit | Sum insured guaranteed for the whole policy term (Bezpieczne Jutro); life cover for borrowers up to the amount of the loan granted | Up to $100,000,000 |
| Claims channels | Phone, Email, Help centre | App, Phone, Email |
| Monthly payments | Not confirmed | Yes |
| Age range | Children from birth to 26 years of age | Not confirmed |
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Key differences
- Lemonade scores higher overall: 9.1 vs 8.9.
- Founded is lower at Alior: 2008 vs 2015.
- Lemonade is available in 3 more countries.
- Insurance types: only Alior offers Travel, Income protection.
- Insurance types: only Lemonade offers Renters, Pet.
- Claims channels: only Alior offers Help centre.
- Claims channels: only Lemonade offers App.
- Support channels: only Lemonade offers Email, Chat.
- Pricing model: only Alior offers No monthly fee.
- Pricing model: only Lemonade offers Monthly.
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.
Lemonade
Lemonade is a US insurer offering monthly policies across auto, home, renters, life and pet cover, with premiums from $5. It suits households that want one monthly model and several ways to reach support, though its quoted starting premium sits above the figures shown for the listed alternatives.
Score breakdown
| Area | Alior | Lemonade |
|---|---|---|
| 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. | 9.4Higher |
| Trust | 8.8 | 8.9Higher |
What each covers
| Insurance types | Alior | Lemonade |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | Yes |
| Renters | No | Yes |
| Life | Yes | Yes |
| Travel | Yes | No |
| Pet | No | Yes |
| Income protection | Yes | No |
Where each is licensed and available
| Country | Alior | Lemonade |
|---|---|---|
| France | FR_ACPR PSD_PI FR_ACPR!89914 | Not confirmed |
Available in 1 country for both. Additional countries for Alior: 1. Additional countries for Lemonade: 4.
How they place
| Ranking | Alior | Lemonade |
|---|---|---|
| Insurance | 39 of 627 | 31 of 627 |
| Life insurance | 14 of 238 | 10 of 238 |
| Car insurance | 17 of 279 | 12 of 279 |
| Home insurance | 15 of 258 | 11 of 258 |
Every fact side by side
| Fact | Alior | Lemonade |
|---|---|---|
| Pricing model | No monthly fee | Monthly |
| Legal entity | CREDIT AGRICOLE PAYMENT SERVICES | Lemonade Insurance Company |
| Headquarters | France | United States |
| Founded | 2008Lower | 2015 |
| Support channels | Phone, Help centre | Phone, Email, Chat, Help centreCovers more |
Loans
| Fact | Alior | Lemonade |
|---|---|---|
| APR | 9.15% | Not confirmed |
| Loan amount | PLN 500 to PLN 250,000 | Not confirmed |
| Term | 3 to 120 months | 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 |
| Rate type | Variable | 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 | Lemonade |
|---|---|---|
| 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 |
Mortgages
| Fact | Alior | Lemonade |
|---|---|---|
| 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 | Lemonade |
|---|---|---|
| Markets | Stocks, ETFs, Forex, CFDs, Funds | Not confirmed |
| Platforms | Alior Gielda, Notowania Online 3, Alior 4 Trader | Not confirmed |
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
Lemonade
Pros
- Premiums start at $5, and monthly payments keep the cost spread across the year.
- Monthly payments are available, so auto, home, renters, life and pet cover can be budgeted by month.
- Cover spans auto, home and renters, with life cover reaching Up to $100,000,000.
Cons
- Health and travel cover is not among its insurance types (auto, home and renters).
- Its starting premium of $5 sits above the figures shown for the listed alternatives.
- An annual single payment is not among its payment models (monthly).
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
Lemonade
Who it suits
- People who want one monthly payment model across more than one kind of personal cover.
- People buying auto, home, renters, life or pet policies from an insurer rather than a broker.
- People who want claims and support in the app as well as over the phone.
Who should look elsewhere
- bunq, which lists a starting premium of €0, is a cheaper starting point on price.
- bunq Spain, whose listed starting premium of €0 also sits below Lemonade's figure.
- Linxea, which lists a higher starting premium of €25, sits in a different price band.
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
Lemonade
Current offer
Bonus
Rover gift card for new Lemonade Pet policyholders: Rover gift card
New Lemonade pet parents only; code unlocks 2 months after the pet policy starts; one code per account; available in select states; codes expire one year from issue
Source, checked September 26, 2026
First period offer
Pet bundle discount: 10%
Bundle pet insurance with other Lemonade policies (renters, homeowners, car); applies to the base accident and illness policy and vet visit fee and physical therapy add-ons
Source, checked September 26, 2026
First period offer
Pet multi-pet discount: 10%
Policy for more than one cat or dog in the same household
Source, checked September 26, 2026
First period offer
Pet annual payment discount: 5%
Pay for the pet policy annually instead of monthly
Source, checked September 26, 2026
Country by country
| Country | Alior | Lemonade |
|---|---|---|
| Germany | No | Yes |
| Netherlands | No | Yes |
| Poland | Yes | No |
| United Kingdom | No | Yes |
| United States | No | Yes |
| France | Yes | 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.
Lemonade
What is Lemonade's starting premium?+
Lemonade's starting premium is $5. The provider behind it is Lemonade Insurance Company, an insurer based in the US, and that figure sits above the starting premiums listed for bunq, bunq Spain and Linxea.
Can I pay for cover monthly?+
Yes, monthly payments are available, and monthly is the payment model Lemonade lists (monthly). That runs across the auto, home, renters, life and pet policies it offers, so the premium is spread through the year.
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