Alior review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Alior pairs a free personal account with a credit card that charges PLN 80 a year, so the cost sits on one side of the offer rather than both. It suits people who want a travel perks card and will pay for the privileges.
Key facts
- Best for
- A fee-free personal account paired with a paid travel credit card.
- Monthly fee
- PLN 0 (Source, checked September 26, 2026)
- Currency conversion fee
- 0% (Source, checked September 26, 2026)
- Card type
- Debit (Source, checked September 26, 2026)
- Legal entity
- CREDIT AGRICOLE PAYMENT SERVICES (Source, checked September 26, 2026)
- Headquarters
- France (Source, checked September 26, 2026)
- Support channels
- Phone, Help-centre (Source, checked September 26, 2026)
- Official website
- aliorbank.pl
Credit cards
- Annual fee
- PLN 80 (Source, checked September 26, 2026)
- Currency conversion fee
- 0% (Source, checked September 26, 2026)
- Rewards type
- Points (Source, checked September 26, 2026)
- Perks
- Travel insurance, Concierge service, Airport lounge access (Source, checked September 26, 2026)
- Card kind
- Credit (Source, checked September 26, 2026)
- Legal entity
- CREDIT AGRICOLE PAYMENT SERVICES (Source, checked September 26, 2026)
- Headquarters
- France (Source, checked September 26, 2026)
- Support channels
- Phone, Help-centre (Source, checked September 26, 2026)
Pros and cons
Pros
- The personal account has a monthly fee of PLN 0, so everyday banking costs nothing to keep.
- Currency conversion runs at 0% against 1% for debit cards in the ranking.
- The credit card adds travel insurance, concierge service and airport lounge access on top of the account.
- Rewards are paid in points, so spending on the card still returns something.
Cons
- The credit card carries an annual fee of PLN 80 on top of an account that is otherwise free.
- Support runs on phone and help centre only, with no email or live chat listed.
- The perks come with the credit card, while the debit card on the PLN 0 monthly fee account carries none.
Who it suits
- People who keep daily spending on a debit card and want no monthly charge.
- Travellers who value the credit card's extras enough to absorb PLN 80 a year.
- Anyone happy to be paid in points rather than cash.
Who should look elsewhere
- Wise, because its monthly fee is also £0 and it is the simpler pick for a single market.
- Varo Believe Secured Credit Card, for anyone focused on secured credit with a $0 monthly fee.
- Chime Card (Secured Visa Credit Card), for a secured Visa credit card carrying a $0 monthly fee.
The company behind it
The card comes from CREDIT AGRICOLE PAYMENT SERVICES, a payments company registered in France. It is authorised there under licence PSD_PI FR_ACPR!89914. Support runs on phone and help centre, so a question goes either to a person on the phone or into a help centre. That licence is the reference point for anyone checking the firm before they fund the account.
How Alior compares
9.2 vs 9.4
9.2 vs 9.0
9.2 vs 8.9
9.2 vs 9.2
9.2 vs 8.8
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 9.0
9.2 vs 8.8
9.2 vs 8.8
9.2 vs 8.7
9.2 vs 9.2
9.2 vs 9.0
9.2 vs 8.9
9.2 vs 8.8
9.2 vs 9.6
Alior vs Current Build Card9.2 vs 9.4
9.2 vs 9.4
9.2 vs 9.2
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 8.8
9.2 vs 8.8- 9.2 vs 8.8
- 9.2 vs 8.8
9.2 vs 8.8- 9.2 vs 8.8
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 8.3
9.2 vs 8.2
9.2 vs 8.0
9.2 vs 8.0
Where Alior is available
- Available
- France, Poland
- 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 26, 2026)
Frequently asked questions
What does the Alior personal account cost each month?+
The account carries a monthly fee of PLN 0, so holding it costs nothing on its own. The card used for daily spending is a debit card, and the charge sits on the separate credit card instead, at PLN 80 a year.
Is there a fee for spending in another currency?+
Currency conversion is charged at 0% on the card. The median charge for debit cards in the ranking is 1%, so a cardholder paying abroad here avoids a fee most rivals add on top.
Who runs the account and is it regulated?+
The account is run by CREDIT AGRICOLE PAYMENT SERVICES, registered in France, and authorised there under licence PSD_PI FR_ACPR!89914. That licence is the check to make before opening, since it names the entity that holds the money and the cards.
What do the paid credit card extras give me?+
The credit card is the part carrying travel insurance, concierge service and airport lounge access. Those extras are the reason to accept PLN 80 a year, since the account on its own has a monthly fee of PLN 0 and includes none of them.
How are card rewards paid out?+
Rewards come as points rather than cash. Cashback is the most common setup across the brands compared here at 49.5%, so anyone who prefers money returned to the account is looking at a different kind of card.
How do I get help if something goes wrong?+
Support runs on phone and help centre. There is a phone line for anything urgent and a help centre for the routine questions. Anyone who prefers live chat or email will not find either listed.
How does this compare with the other no monthly fee cards?+
Wise, Varo Believe Secured Credit Card and Chime Card all sit on a monthly fee of £0, $0 and $0. The line that separates them is the credit card, which adds PLN 80 a year and the perks.
Who does the account suit?+
It suits people who want a debit card for daily spending, a credit card option alongside it, no monthly charge and no currency conversion fee. It suits less well anyone who wants cashback rather than points, or who would rather not pay an annual fee for extras left unused.
Sources
- euclid.eba.europa.eu/register/downloads/PSDMD/20260926/do... checked September 26, 2026
Backs: Headquarters, Legal entity, Licences
“EntityCode=FR_ACPR!89914; EntityType=PSD_PI; ENT_NAM=CREDIT AGRICOLE PAYMENT SERVICES”
- aliorbank.pl/centrum-kontaktu.html checked September 26, 2026
Backs: Support channels
- aliorbank.pl/klienci-indywidualni/karty.html checked September 26, 2026
Backs: Card type
“Plac kartami Alior Banku - Alior Konto debit card”
- aliorbank.pl/klienci-indywidualni/konta-osobiste/alior-ko... checked September 26, 2026
Backs: Monthly fee
“Alior Konto Account - a new personal account with no maintenance fee”
- pkobp.pl/klient-indywidualny/karty-platnosci/karta-kredyt... checked September 26, 2026
Backs: Card kind, Currency conversion fee, Perks, Rewards type
“Karta kredytowa PKO Mastercard Platinum”
- pkobp.pl/klient-indywidualny/karty-platnosci/karta-kredyt... checked September 26, 2026
Backs: Annual fee
“Przejrzysta karta kredytowa - Zaplacisz maksymalnie 80 zl rocznie za obsluge karty”
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Free ATM withdrawals, Protection.