Updated September 28, 2026 · SumCue Editorial Team
Alior vs Nationwide
Alior
Nationwide
Higher score in this comparison
What sets them apart
| Compare | AliorReviewVisitVisit | NationwideReviewVisitVisit |
|---|---|---|
| Premium from | PLN 15,000 | $35 |
| Insurance types | Auto, Home, Life, Travel, Income protection | Auto, Home, Renters, Life, Motorcycle, 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 | USD 50,000 per bike (custom motorcycle insurance) |
| Claims channels | Phone, Email, Help centreCovers more | Phone |
| Monthly payments | Not confirmed | Yes |
| Age range | Children from birth to 26 years of age | Not confirmed |
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Key differences
- Nationwide scores higher overall: 9.1 vs 8.9.
- Founded is lower at Nationwide: 1925 vs 2008.
- Alior is available in 1 more country.
- Insurance types: only Alior offers Travel, Income protection.
- Insurance types: only Nationwide offers Renters, Motorcycle, Pet.
- Claims channels: only Alior offers Email, Help centre.
- Pricing model: only Alior offers No monthly fee.
- Pricing model: only Nationwide 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.
Nationwide
Nationwide is a US insurer selling auto, home, renters, life, motorcycle and pet cover, with premiums from $35 payable monthly. It suits households that want every policy type under a single long-standing provider, and it prices above the site median, so shoppers on a tight budget get a thinner field here.
Score breakdown
| Area | Alior | Nationwide |
|---|---|---|
| Cost | 9.1HigherA PLN 0 monthly fee on savings, a 0% (0 PLN) loan arrangement fee and a 0% card conversion fee. | 8.8Premiums start at $35 on monthly payments, above the site median €8.31, and the brand ranks 192 of 251 on premium from. |
| Offer | 8.8HigherThe offer spans savings, cards, loans, mortgages, investing and insurance, with trading platforms Alior Gielda, Notowania Online 3 and Alior 4 Trader. | 8.6 |
| Trust | 8.8 | 9.6Higher |
What each covers
| Insurance types | Alior | Nationwide |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | Yes |
| Renters | No | Yes |
| Life | Yes | Yes |
| Travel | Yes | No |
| Pet | No | Yes |
| Motorcycle | No | Yes |
| Income protection | Yes | No |
How they place
| Ranking | Alior | Nationwide |
|---|---|---|
| Insurance | 39 of 627 | 33 of 627 |
| Life insurance | 14 of 238 | 12 of 238 |
| Car insurance | 17 of 279 | 14 of 279 |
| Home insurance | 15 of 258 | 13 of 258 |
Every fact side by side
| Fact | Alior | Nationwide |
|---|---|---|
| Pricing model | No monthly fee | Monthly |
| Legal entity | CREDIT AGRICOLE PAYMENT SERVICES | Nationwide Mutual Insurance Company |
| Headquarters | France | United States |
| Founded | 2008 | 1925Lower |
| Support channels | Phone, Help centre | Phone, Help centre |
Loans
| Fact | Alior | Nationwide |
|---|---|---|
| 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 | Nationwide |
|---|---|---|
| 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 | Nationwide |
|---|---|---|
| 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 | Nationwide |
|---|---|---|
| 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
Nationwide
Pros
- Cover spans auto, home, renters, life, motorcycle and pet (auto, home and renters), so a household can keep its policies with a single provider.
- Premiums can be paid monthly (monthly) instead of in one payment, which helps month to month cash flow.
- Support runs on phone and help centre, giving a phone line and an online help centre as listed routes to the insurer.
Cons
- Premiums from $35 sit above the site median €8.31, and the brand holds position 192 on premium from out of 251 brands ranked.
- Claims run on phone alone and support is limited to phone and help centre, so written and chat routes are not offered.
- The headline premium is quoted in US dollars ($35) by a US insurer, which adds a currency step for UK and European buyers.
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
Nationwide
Who it suits
- US households taking out several kinds of personal policy who want a single provider on the paperwork.
- Motorcycle owners after custom bike cover, where limits reach USD 50,000 per bike (custom motorcycle insurance).
- Pet owners who would rather add pet cover to an existing auto policy than shop it on its own.
Who should look elsewhere
- Linxea, at €25, sits closer to readers comparing euro savings products rather than US personal lines.
- bunq, with a premium from €0, suits readers who want euro everyday banking rather than policy cover.
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 | Nationwide |
|---|---|---|
| France | Yes | No |
| Poland | Yes | No |
| United States | 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.
Nationwide
What can I insure with Nationwide?+
Nationwide lists auto, home, renters, life, motorcycle and pet (auto, home and renters), so most of a household's personal cover can sit with a single provider rather than a separate insurer for each line. Motorcycle cover is sold as its own line as well as a custom policy for individual bikes.
How much does Nationwide cost?+
Nationwide quotes premiums from $35 on its personal insurance lines. That figure sits above the site median of €8.31, and Nationwide sits at 192 on premium from among 251 brands ranked, so it is not the cheapest field here.
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