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Alior review

Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Alior is an easy-access savings account for savers who want to move money in and out while interest keeps accruing, and its headline rate of 4% sits above the site median of 3%. The monthly fee is PLN 0 on the savings account, and the rate is variable.

Key facts

Best for
A savings balance that stays easy to reach, pays 4% and carries a monthly fee of PLN 0.
Monthly fee
PLN 0↗
Licence type
Payment institution↗
Deposit protection
EU DGS up to EUR 100,000↗
Legal entity
CREDIT AGRICOLE PAYMENT SERVICES↗
Headquarters
France↗
Pricing model
No monthly fee
Official website
aliorbank.pl

Savings

Headline rate
4%↗
Rate type
Variable↗
Access terms
Interest credited monthly to the balance, so funds keep earning during deposits and withdrawals↗
Account kind
Easy access↗

Facts checked September 26, 2026, 2 sources

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataWikipediaXTrustpilotLinkedIn

Pros and cons

Pros

  • Headline rate of 4% against a site median of 3% for savings accounts.
  • Free to hold, with a monthly fee of PLN 0.
  • Interest is credited monthly to the balance, so deposits and withdrawals do not stop the balance earning.
  • Deposits sit inside EU DGS up to EUR 100,000.

Cons

  • The rate is variable, so the advertised figure is not locked in for the life of the balance.
  • Alior runs on a payment institution licence, and 33.3% of the site share sits in that same category.
  • The account is easy access, so the rate applies to a balance you can draw on rather than to a fixed term.
Alior

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Scored 8.7 / 10 by VaultCue.

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Who it suits

  • Savers who want their money to earn 4% without giving up access to it.
  • Anyone who does not want a monthly charge, since the fee here is PLN 0.
  • People who want their deposits held within EU DGS up to EUR 100,000.

Who should look elsewhere

  • Starling Personal Account Debit Card, if you want a debit account with deposits covered at FSCS up to GBP 85,000.
  • Varo Visa® Debit Card, for a card-led everyday account held under a bank licence rather than a payment institution licence.
  • Skrill, which runs on a e money licence, if an e-money account for transfers matters more than a savings balance.

Rates and card terms

The headline rate on the savings balance is 4%, above the site median of 3% for savings accounts. The rate is variable, and 79% of the site share also pay a variable rate, so the figure is the number to watch over time. Easy-access accounts make up 76.7% of the site share.

The company behind it

The account is operated by CREDIT AGRICOLE PAYMENT SERVICES, based in France. Its licence type is payment institution, and the French register entry is PSD_PI FR_ACPR!89914, with FR_ACPR and the EBA named as regulators. On the site, 33.3% of the share is made up of payment institutions and 27.5% of banks.

How Alior compares

Where Alior is available

Available
Poland
Licence in France
EBA, checked September 26, 2026
Licence in France
FR_ACPR (PSD_PI FR_ACPR!89914), checked September 26, 2026, also valid in Belgium, France, Italy, Portugal

Countries from the brand (Source, checked September 29, 2026)

Frequently asked questions

What does it cost to hold an Alior savings account?+

The monthly fee on the savings account is PLN 0, which matches the site median of €0. Around 91.7% of the site share run a no-fee model, so keeping savings in this account costs nothing monthly.

What interest rate does the account pay?+

The headline rate is 4% and the rate type is variable. The site median headline rate is 3% and the upper quartile is 4.15%, so the advertised rate sits at the higher end of what the site shows.

Can I withdraw money without losing interest?+

Interest is credited monthly to the balance, so funds keep earning during deposits and withdrawals. The account is set up as easy access, which suits anyone who treats savings as money they may need on short notice rather than a locked sum.

Is the money in the account protected?+

Deposits are covered by EU DGS up to EUR 100,000. The provider is licensed as a payment institution rather than a bank, so the cover comes through the deposit guarantee scheme rather than through a bank's own balance sheet. Anything held above the limit sits outside the guarantee.

Who runs Alior?+

The account is operated by CREDIT AGRICOLE PAYMENT SERVICES, based in France. The licence is held as payment institution, which on the site accounts for 33.3% of the brands compared, against 27.5% for banks and 39.1% for e-money providers.

What kind of savings account is it?+

It is a easy access account with a variable rate of 4%. Easy-access accounts make up 76.7% of the brands on the site, and variable rates account for 79%, so this is the most common shape here.

Who is this account for?+

It suits people who want savings to earn 4% while staying easy to reach, and who would rather avoid a monthly charge, since fees run PLN 0. It does not suit anyone chasing a locked term, because the rate here is variable and the account is easy access.

Sources

Compiled from 2 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Currency conversion fee, Currencies.

Alior

Alior

A savings balance that stays easy to reach, pays 4% and carries a monthly fee of PLN 0.

8.7/10Visit