Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie settingsCookie policy

Updated September 29, 2026 · VaultCue Editorial Team

Alior vs Qonto

Alior scores 8.7 and Qonto 8.7 out of 10. Compare their differences and shared features below.
Alior

Alior

Higher score in this comparison

8.7/10
Visit
Qonto

Qonto

8.7/10
Visit

What sets them apart

Alior vs Qonto
CompareAliorAliorReviewVisitVisitQontoQontoReviewVisitVisit
Monthly feePLN 0€19
Currency conversion feeNot confirmed0.8% to 1.8%
CurrenciesNot confirmedfrom 30
Local account detailsNot confirmedIBAN
Transfer feeNot confirmed30 SEPA transfers/month included, then EUR 0.20 per extra transaction (Basic plan)

Same on both: Licence type (Payment institution), Deposit protection (EU DGS up to EUR 100,000).

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict on each

Alior

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.

Read the full Alior review

Qonto

Qonto suits businesses and freelancers who want their day to day banking in one app and will not chase the highest rate. The monthly fee of €19 is the trade off, and the 1.5% headline rate ranks 350 of 473 brands.

Read the full Qonto review

Score breakdown

Alior vs Qonto
AreaAliorQonto
Cost9.3Higher8.8A monthly fee of €19 on the standard plan and a minimum deposit of €0, against a site median of €0
OfferNot confirmed9.1Headline rate of 1.5% is variable and sits at 350 of 473
Trust8.28.3Higher

Licences and countries

Alior vs Qonto
CountryAliorQonto
France
FR_ACPR PSD_PI FR_ACPR!89914
FR_ACPR PSD_PI FR_ACPR!68677

Additional countries for Alior: 1. Additional countries for Qonto: 8.

Positions in our rankings

Alior vs Qonto
RankingAliorQonto
Current and checking accounts13 of 8851 of 885
Savings accounts32 of 14208 of 1420

Where these facts come from

Alior

  • euclid.eba.europa.eu: 4 facts, checked September 26, 2026
  • pkobp.pl: 2 facts, checked September 26, 2026

Qonto

  • qonto.com: 10 facts, checked September 26, 2026
  • euclid.eba.europa.eu: 3 facts, checked September 26, 2026

Every fact side by side

Alior vs Qonto
FactAliorQonto
AudienceNot confirmedBusiness, Freelancer
Pricing modelNo monthly feeNot confirmed
FeaturesNot confirmedDigital only
Legal entityCREDIT AGRICOLE PAYMENT SERVICESQONTO
HeadquartersFranceFrance
FoundedNot confirmed2017
Support channelsNot confirmedChat, Phone, Email, Help centre

Savings

Alior vs Qonto
FactAliorQonto
Headline rate4%Higher1.5%
Rate typeVariableVariable
Minimum depositNot confirmed€0
Access termsInterest credited monthly to the balance, so funds keep earning during deposits and withdrawalsInstant access to the money, no notice period; remuneration activated in the app, calculated daily on the total balance and paid on the 2nd of each month; requires at least 5 eligible payment transactions of at least 1 EUR per month
Account kindEasy accessCash management

Where each stands against the rest

Alior vs Qonto
FactAliorQontoMedian
Currency conversion feeNot confirmed0.8% to 1.8%above the median0.5
CurrenciesNot confirmedfrom 30highest quarter5

Median across 536 listed accounts.

Pros and cons

Alior

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.

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.

Qonto

Pros

  • Minimum deposit of €0, so the account opens without tying up money
  • Support runs on chat, phone and email
  • Currency conversion of 0.8% to 1.8% suits frequent international invoicing

Cons

  • The monthly fee of €19 makes it expensive for anyone holding a small balance
  • The account is digital only, so there is no branch to visit
  • The 1.5% rate is only paid while the transaction condition is met

Who each suits

Alior

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.

Qonto

Who it suits

  • Freelancers and sole traders billing across borders
  • Small businesses paying and receiving in several currencies
  • Anyone who wants their accounts, cards and invoices in one app

Who should look elsewhere

  • Anyone saving mainly for yield, since the 1.5% rate is variable and ranks 350 of 473
  • People who want to hold a large balance while paying nothing, given the monthly fee of €19
  • Anyone who prefers a branch, as the account is digital only

Current offers

Qonto

Current offer

  • Bonus

    Up to 5% AER account remuneration for 2 months for new customers: 5% AER for 2 months, then 1.5% AER on the Smart plan

    New customers only, first 2 months of the contract, on plans Smart and above; requires at least 5 eligible payment transactions of at least 1 EUR per month; remuneration capped at 50,000 EUR on Smart and 100,000 EUR on Premium; Account Remuneration currently available in France, Spain, Italy and the Netherlands

    Source, checked September 26, 2026

  • Free trial

    1-month free trial on business account plans: 1 month free

    Offered on the Basic, Smart and Premium business account plans, prices excl. VAT

    Source, checked September 26, 2026

Country by country

Alior vs Qonto
CountryAliorQonto
AustriaNoYes
BelgiumNoYes
FranceNoYes
GermanyNoYes
ItalyNoYes
NetherlandsNoYes
PolandYesNo
PortugalNoYes

8 of 9 countries where either is available.

Questions about each

Alior

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.

Qonto

How much does Qonto cost each month?+

The standard plan charges a monthly fee of €19. SEPA transfers are included up to a set monthly allowance, and each transfer beyond it carries a small fixed charge. Currency conversion adds 0.8% to 1.8% on converted payments.

Is there a minimum deposit to open a Qonto account?+

There is no minimum, and the stated minimum deposit is €0. The account can therefore be opened and funded with a small balance, which suits a new business or a first freelance invoice.

Other options to compare

Alior

Visit

Qonto

Visit