Updated September 28, 2026 · SumCue Editorial Team
Alior vs Sofkredit
Alior
Higher score in this comparison
Sofkredit
Where Alior and Sofkredit differ
| Compare | AliorReviewVisitVisit | SofkreditReviewVisitVisit |
|---|---|---|
| APR | 9.15%Lower | 10.74% to 18.06% |
| Loan amount | PLN 500 to PLN 250,000 | €12,000 to €300,000 |
| Term | 3 to 120 months | 6 to 240 monthsHigher |
| Arrangement fee | 0% (0 PLN) | 6% to 9% of the loan; on a 15,000 EUR mortgage-guaranteed loan the commission is 900 EUR minimum and 1,350 EUR maximum, charged by the collaborating lender; Sofkredit's own service costs the user nothing |
| Credit check | Hard | Soft prequal |
| Funding time | Funds transferred to the customer's account, possibly the same day | 15-20 days after approval; same day as the notary signing, about one week if documentation is sent quickly |
| Representative example | 41,800 PLN over 50 instalments of 985.55 PLN, RRSO 9.15%, 0 PLN fee | a 15,000 EUR loan at 9% interest over 5 years returns a total of 21,750 EUR |
| Lender type | Direct lender | Broker |
| Eligibility | Natural person aged 18 or over at application; resident or non-resident earning income in Poland | Natural or legal persons of legal age (+18) with Spanish nationality or residence, holder of a bank account; for mortgage-guaranteed loans a property must be owned, free of charges or with at least 70% of the mortgage repaid |
| Origination fee (%) | 0%Lower | 6% to 9% |
| Loan types | Personal, Debt consolidation, Credit line | Secured, Debt consolidation, Business |
| Rate type | Variable | Not confirmed |
| Credit needed | Not confirmed | Poor |
Same on both: Use cases (Home improvement).
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Key differences
- Alior scores higher overall: 8.9 vs 8.7.
- Sofkredit is licensed in 1 more country.
- Sofkredit is available in 1 more country.
- APR is lower at Alior: 9.15% vs 10.74% to 18.06%.
- Origination fee (%) is lower at Alior: 0% vs 6% to 9%.
- Term is higher at Sofkredit: 6 to 240 months vs 3 to 120 months.
- Support channels: only Sofkredit offers Email.
- Loan types: only Alior offers Personal, Credit line.
- Loan types: only Sofkredit offers Secured, Business.
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.
Sofkredit
Sofkredit suits Spanish adults who want a substantial secured, consolidation, business or mortgage-guaranteed loan placed with a specialist lender. The published APR is 10.74% to 18.06% and a collaborating lender adds a commission, so the total repayable matters more than the headline rate.
Score breakdown
| Area | Alior | Sofkredit |
|---|---|---|
| Cost | 9.1HigherA PLN 0 monthly fee on savings, a 0% (0 PLN) loan arrangement fee and a 0% card conversion fee. | 8.6 |
| Offer | 8.8The offer spans savings, cards, loans, mortgages, investing and insurance, with trading platforms Alior Gielda, Notowania Online 3 and Alior 4 Trader. | 9.4HigherAmounts of €12,000 to €300,000 at an APR of 10.74% to 18.06%, with secured, consolidation, business and mortgage-guaranteed lending and same-day funding. |
| Trust | 8.8Higher | 8.5 |
Where they rank in our lists
| Ranking | Alior | Sofkredit |
|---|---|---|
| Loans | 121 of 2043 | 4 of 2043 |
| Mortgages | 11 of 853 | 1 of 853 |
Pick Alior if, pick Sofkredit if
Pick Alior if cost, trust, apr, and origination fee (%) matter most.
Pick Sofkredit if offer and term matter most.
Sources behind this comparison
Alior
- aliorbank.pl: 14 facts, checked September 26, 2026
- euclid.eba.europa.eu: 2 facts, checked September 26, 2026
- pkobp.pl: 2 facts, checked September 26, 2026
- en.wikipedia.org: 1 fact, checked September 26, 2026
Sofkredit
- sofkredit.com: 17 facts, checked September 26, 2026
Every fact side by side
| Fact | Alior | Sofkredit |
|---|---|---|
| Pricing model | No monthly fee | Not confirmed |
| Features | Same day funding | Same day funding |
| Legal entity | CREDIT AGRICOLE PAYMENT SERVICES | Kova Finance, S.L. |
| Headquarters | France | Spain |
| Founded | 2008 | Not confirmed |
| Support channels | Phone, Help centre | Email, Phone, Help centreCovers more |
Credit cards
| Fact | Alior | Sofkredit |
|---|---|---|
| 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 | Sofkredit |
|---|---|---|
| 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 | Sofkredit |
|---|---|---|
| Initial rate | 6.52%Lower | 8% to 14% |
| APRC | 6.52%Lower | 10.74% to 18.06% |
| Fixed period | 5 years | 0.5 to 20 yearsHigher |
| Maximum loan to value | 79.14%Higher | 30% |
| Product fee | PLN 0 | €900 to €1,350 |
| Purpose | Purchase | Home equity, Remortgage |
Brokers
| Fact | Alior | Sofkredit |
|---|---|---|
| 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 | Sofkredit | Median |
|---|---|---|---|
| APR | 9.15%below the median | 10.74% to 18.06%above the median | 9.99% |
| Term | 3 to 120 monthshighest quarter | 6 to 240 monthshighest quarter | 60 |
| Origination fee (%) | 0%at the median | 6% to 9%highest quarter | 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
Sofkredit
Pros
- Loan amounts of €12,000 to €300,000 suit secured borrowing, debt consolidation and business finance.
- Sofkredit adds no charge of its own, while the 6% to 9% arrangement fee on mortgage-guaranteed loans is set by the collaborating lender.
- A soft prequalification check under soft prequal is gentler on a credit file than a full search.
Cons
- The collaborating lender charges an arrangement fee of 6% to 9% of the loan on top of the interest rate.
- The top of the 10.74% to 18.06% range compares with a site median of 15.5%, so the dearest outcome sits well above the middle of the market.
- Sofkredit works as a broker under broker, so the lender and the final terms sit elsewhere.
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
Sofkredit
Who it suits
- Adults in Spain who hold Spanish nationality or residence and a bank account, and need a secured loan.
- Borrowers consolidating debt who want to start with a soft prequalification through soft prequal.
- Homeowners planning home equity or a remortgage under home equity and remortgage.
Who should look elsewhere
- Applicants outside Spain, since eligibility rests on Spanish nationality or residence and a bank account, while Cashspace at PHP 12 to PHP 36 serves another market.
- Borrowers who want the lowest headline cost, who should weigh Solcredito MX at 9.5% to 3,696% and Cashspace at PHP 12 to PHP 36 before settling.
- Anyone expecting a direct lender or a small sum, since Sofkredit works as a broker under broker and publishes amounts of €12,000 to €300,000.
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 | Sofkredit |
|---|---|---|
| Italy | No | Yes |
| Poland | Yes | No |
| Spain | 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.
Sofkredit
What fees do I pay through Sofkredit?+
Sofkredit adds no charge of its own. The arrangement fee of 6% to 9% of the loan is charged by the collaborating lender on mortgage-guaranteed loans, and the first example given is a €900 to €1,350 commission. Anyone budgeting here should add that commission to the interest, since it sits on top of the rate rather than inside it.
What rate and total cost should I expect?+
The published APR is 10.74% to 18.06%, and the representative example puts a real figure on repayment: a loan repaid over several years costs more in total than the amount drawn down. The rate offered sits inside that range, while the total repayable depends on the term and on the collaborating lender's fee.
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