Alior Bank, founded in 2008, is a modern universal bank serving 4.5 million retail and business customers. It offers cash loans with APR from 9.9%, Konto Jakże Osobiste personal accounts and mortgages. The lowest cash loan APR at Alior Bank is currently 9.15%.
Why choose Alior Bank?
- Among the most competitive cash loan APRs on the market
- Konto Jakże Osobiste with flexible personalisation
- Attractive welcome promotions for new customers — bonuses for opening an account
- Wide network of branches and partner points (600+ locations)
- Modern mobile app with BLIK and NFC features
Editorial rating
- Offers 4.5
- Service 4.0
- Online banking 4.3
- Costs 4.1
About the bank Alior Bank
Alior Bank was founded in 2008 as a modern universal bank and was listed on the Warsaw Stock Exchange a few years later. From the start it stood out with aggressive expansion, modern technology and a competitive loan offer. In 2015 PZU became the majority shareholder. Today Alior Bank serves 4.5 million customers and holds a stable position in the top ten Polish banks.
Alior Bank offers a broad range of products: competitive cash and debt consolidation loans, mortgages, Konto Jakże Osobiste personal accounts, credit cards, savings accounts, promotional deposits and full business banking. The bank also runs T-Mobile Usługi Bankowe, and its mobile app is known for a clean interface and fast BLIK payments.
Active offers
We show the currently active offers and always link to the latest version.
Cash loans
View all offers →Pożyczka Internetowa
Alior Bank
- APR
- 9.15%
- Amount
- 20,000 PLN
- Term
- 48 months
- Instalment
- 496 PLN
Consolidation loans
View all offers →Internetowy Kredyt Konsolidacyjny
Alior Bank
- APR
- 9.15%
- Amount
- 30,000 PLN
- Term
- 60 months
- Instalment
- 620 PLN
Personal accounts
View all offers →Alior Konto Plus
Alior Bank
- Monthly fee
- 0 – 12 PLN
Alior Konto 18-25 lat
Alior Bank
- Monthly fee
- Free
Alior Konto
Alior Bank
- Monthly fee
- Free
Business accounts
View all offers →iKonto Biznes
Alior Bank
- Monthly fee
- Free
Savings accounts
View all offers →Konto Max Oszczędnościowe
Alior Bank
Konto Max Oszczędnościowe
Alior Bank
Konto Max Oszczędnościowe
Alior Bank
Pros and cons
Pros
- Competitive cash loan APRs
- Fast online application procedures
- Regular deposit promotions for new money
- Strong PZU shareholder provides stability
Cons
- Customer satisfaction scores sometimes lower than leaders (ING, mBank)
- Account fees can rise if bonus conditions are not met
- Complaints handling reported as slower by some customers
How to apply — Alior Bank
Alior Bank is one of the youngest major banks in Poland (founded in 2008), known for competitive loans and dynamic growth.
- 1
Compare Alior Bank offers
Check current Alior Bank products in our loan, account and deposit rankings.
- 2
Go to the bank
Click the CTA to go directly to the Alior Bank application page.
- 3
Fill in the application
Use the Alior mobile app or aliorbank.pl. Prepare your ID and income details.
- 4
Receive a decision
For existing customers, a decision within minutes. For new customers — usually within hours.
Frequently Asked Questions
Is Alior Bank safe?
Yes. Alior Bank is listed on the Warsaw Stock Exchange, supervised by KNF and a member of BFG. Deposits are insured up to EUR 100,000. Its largest shareholder is PZU — the biggest Polish insurer.
What are the cash loan terms at Alior Bank?
Alior Bank offers cash loans with APR typically starting from 9.9–12%, amounts up to PLN 300,000 and repayment periods up to 120 months. Exact terms depend on creditworthiness, BIK history and scoring. See our ranking for current offers.
How much does Konto Jakże Osobiste cost?
Konto Jakże Osobiste is free if you meet salary deposit or card activity conditions. Additional packages (e.g. free foreign ATM withdrawals) can be added for a fee. The current pricing is on aliorbank.pl.
Does Alior Bank offer debt consolidation loans?
Yes — this is one of the bank's strong points. Alior offers consolidation loans that combine several obligations into one, often with a lower monthly instalment. Consolidation with extra cash is also available.
How do I apply for an Alior Bank loan?
You can apply online through the mobile app or aliorbank.pl, at a branch or through the call centre. Existing customers often have a pre-approved offer with a fast decision.
How do I open an Alior Bank account online?
You can open a personal account 100% online — via mObywatel, selfie verification or a verification transfer. The process takes about 10 minutes and the card arrives by post within 5 business days.
Does Alior Bank offer mortgages?
Yes. Alior Bank offers mortgages with variable and 5-year temporarily fixed interest rates. The maximum term is 30 years and the bank accepts various income sources, including civil-law contracts.
Other banks
kreddo.pl is an independent financial comparison service and is not a credit broker within the meaning of the Polish Consumer Credit Act. The data presented is pulled from bank APIs and updated in real time. Final loan terms are determined individually by the bank.