Updated September 28, 2026 · SumCue Editorial Team
Alior vs Prestalo
Alior
Higher score in this comparison
Prestalo
Alior vs Prestalo: the differences
| Compare | AliorReviewVisitVisit | PrestaloReviewVisitVisit |
|---|---|---|
| APR | 9.15% | 4.1% to 30%Lower |
| Loan amount | PLN 500 to PLN 250,000 | €500 to €100,000 |
| Term | 3 to 120 months | 1 to 120 months |
| Arrangement fee | 0% (0 PLN) | 0 EUR |
| Funding time | Funds transferred to the customer's account, possibly the same day | Money transferred to your bank account, normally within 24 to 48 hours |
| Representative example | 41,800 PLN over 50 instalments of 985.55 PLN, RRSO 9.15%, 0 PLN fee | EUR 5,000 loan repaid over 60 months, fixed annual interest 6.11%, TAE 6.28%, monthly payment 96.62 EUR, no opening or early-repayment fee, total repayable 5,815.20 EUR |
| Rate type | Variable | Fixed |
| Lender type | Direct lender | Broker |
| Eligibility | Natural person aged 18 or over at application; resident or non-resident earning income in Poland | 18 or over, resident in Spain, valid DNI or NIE, stable sufficient income |
| Loan types | Personal, Debt consolidation, Credit line | Personal, Payday, Car, Debt consolidation, Secured |
| Free early repayment | Not confirmed | Yes |
| Origination fee (%) | 0% | Not confirmed |
| Credit needed | Not confirmed | Good |
Same on both: Credit check (Hard), Use cases (Home improvement).
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Key differences
- Founded is lower at Alior: 2008 vs 2018.
- Alior is available in 1 more country.
- APR is lower at Prestalo: 4.1% to 30% vs 9.15%.
- Support channels: only Prestalo offers Email, Chat.
- Pricing model: only Alior offers No monthly fee.
- Pricing model: only Prestalo offers Fixed rate.
- Loan types: only Alior offers Credit line.
- Loan types: only Prestalo offers Payday, Car, Secured.
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.
Prestalo
Prestalo suits Spanish residents who want a fee-free personal loan fixed at fixed rates, with money in the bank account normally within a day or two. It suits a single market only, since eligibility is limited to Spain and a hard credit check applies.
Score breakdown
| Area | Alior | Prestalo |
|---|---|---|
| Cost | 9.1A PLN 0 monthly fee on savings, a 0% (0 PLN) loan arrangement fee and a 0% card conversion fee. | 9.3Higher |
| Offer | 8.8The offer spans savings, cards, loans, mortgages, investing and insurance, with trading platforms Alior Gielda, Notowania Online 3 and Alior 4 Trader. | 9.1HigherFees are 0 EUR on personal loans and €0 on the mortgage, with early repayment free. |
| Trust | 8.8Higher | 8.4 |
Choosing between them
Pick Alior if trust matter most.
Pick Prestalo if offer and apr matter most.
If neither fits
Prestamiau ES has apr at 0% to 36%, against 9.15% for Alior and 4.1% to 30% for Prestalo.
Prestamiau ES reviewHow they place
| Ranking | Alior | Prestalo |
|---|---|---|
| Loans | 121 of 2043 | 66 of 2043 |
| Personal loans | 102 of 1317 | 55 of 1317 |
| Mortgages | 11 of 853 | 5 of 853 |
Every fact side by side
| Fact | Alior | Prestalo |
|---|---|---|
| Pricing model | No monthly fee | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | CREDIT AGRICOLE PAYMENT SERVICES | PRESTALO ONLINE, S.L. |
| Headquarters | France | Spain |
| Founded | 2008Lower | 2018 |
| Support channels | Phone, Help centre | Email, Chat, Phone, Help centreCovers more |
Credit cards
| Fact | Alior | Prestalo |
|---|---|---|
| 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 | Prestalo |
|---|---|---|
| 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 | Prestalo |
|---|---|---|
| Initial rate | 6.52% | 2.36%Lower |
| APRC | 6.52% | 2.97%Lower |
| Fixed period | 5 years | 25 yearsHigher |
| Maximum loan to value | 79.14% | 80%Higher |
| Product fee | PLN 0 | €0 |
| Purpose | Purchase | Purchase, RemortgageCovers more |
Brokers
| Fact | Alior | Prestalo |
|---|---|---|
| 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 | Prestalo | Median |
|---|---|---|---|
| APR | 9.15%below the median | 4.1% to 30%lowest quarter | 9.99% |
| Term | 3 to 120 monthshighest quarter | 1 to 120 monthshighest quarter | 60 |
| Origination fee (%) | 0%at the median | Not confirmed | 0% |
Median across 1096 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
Prestalo
Pros
- No arrangement fee on personal loans: 0 EUR.
- Early repayment is free, so clearing the balance early costs nothing extra.
- Personal loans run €500 to €100,000 and 1 to 120, so borrowers can size the loan and the term to suit them.
Cons
- The rate is fixed rather than variable, so fixed pricing cannot fall the way a variable rate can.
- A hard credit check applies, hard, so an application creates a full credit file search.
- Prestalo works as a broker, broker, so the lender named in the offer is the party you repay and Prestalo sits in between.
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
Prestalo
Who it suits
- Spanish residents with a steady income, since eligibility is open to adults living in Spain with valid DNI or NIE paperwork and stable sufficient income.
- Borrowers who plan to clear the balance early, since free early repayment means overpaying costs no extra charge.
- People who want no arrangement fee, because the origination fee is 0 EUR on personal loans.
Who should look elsewhere
- Anyone outside Spain, since eligibility is tied to residence in Spain and a valid DNI or NIE. Creduma ES also serves euro borrowers, so compare that market.
- People building a credit file from scratch, because the credit check is hard, hard, and a good credit record is expected, good.
- Anyone wanting a variable rate, since the rate type is fixed, fixed. Sofkredit quotes 10.74% to 18.06%, so check that market if falling rates matter more than certainty.
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 | Prestalo |
|---|---|---|
| France | Yes | No |
| Poland | Yes | No |
| Spain | 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.
Prestalo
What does a Prestalo personal loan cost?+
The annual percentage rate runs 4.1% to 30% and the rate is fixed, so payments stay level. The origination fee is 0 EUR, and early repayment is free, so clearing the balance early adds nothing. Interest is the cost of the loan.
How long does a Prestalo loan take to arrive?+
Money is transferred to your bank account, normally within a day or two, and same-day funding is listed as a feature, same day funding. Because Prestalo is a broker, the pace depends on the lender it places the application with. Plan on a short wait rather than an instant transfer.
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