We offer, among other things:

Guaranteed Loan: APR: 20.42%

  • only PLN 9 – the average monthly cost of the loan for every PLN 1,000 borrowed,
  • guaranteed fixed instalment for up to 5 years,
  • repayment period from 3 to 5 years.

Personal Account:

  • open an account via VideoSelfie in the app,
  • 2 benefits at PLN 0, each additional one only PLN 3.50 per month,
  • PLN 0 for maintaining the account, if you are under 26 or if you ensure
    a one-time monthly deposit of at least PLN 1,500.

Personal Account for Young People:

  • PLN 0 for phone transfers and BLIK withdrawals in the Alior Mobile app
  • PLN 0 for the account until you turn 26 and PLN 0 for the card until you turn 18
  • 2 benefits at PLN 0, each additional one only PLN 3.50 per month

Online Account:

  • PLN 0 for the account and card,
  • PLN 0 for online transfers,
  • PLN 0 for withdrawals from own ATMs, the Euronet network (minimum PLN 100) and abroad,
  • BLIK and Google Pay mobile payments.

Consolidation Loan: APR: 19.21%

  • 0% commission,
  • fixed interest rate for up to 10 years,
  • a high amount of up to PLN 200,000.

We warmly invite you to the Alior Bank partner branches:

Bolesławiec, 46 Zgorzelecka Street, tel. 75 732 22 51
Bolesławiec, 1/9 Mickiewicza Street, tel. 75 713 70 02

Yours faithfully,
Kacper Marciniak – Branch Manager
Aneta Olszewska – Branch Manager

- Guaranteed Loan, APR 20.42%

The annual percentage rate (APR) of the Micro-Cost Loan IX is 20.42%; total loan amount (excluding financed costs): PLN 18,100; total amount payable: PLN 26,561.23; fixed interest rate: 15.2%; total loan cost: PLN 8,461.23, including commission: PLN 1,267 (7%), interest: PLN 7,194.23; 52 monthly instalments, including 51 equal instalments of PLN 510.80, final instalment: PLN 510.43. The calculation was made on 1 July 2022 based on a representative example. The maximum loan amount including financed costs is PLN 70,000. The final lending terms depend on the customer’s creditworthiness, loan amount, loan disbursement date and date of payment of the first instalment. Details of the offer and the Schedule of Fees and Commissions for Individual Customers are available at Alior Bank SA branches and at www.aliorbank.pl.

- Personal Account:

We will not charge the PLN 10 account maintenance fee if, during a given calendar month, a one-time deposit of at least PLN 1,500 is made into the account from another bank or from a business account at our bank, or if you are under 26. We will not charge the PLN 5 account-card service fee if, from the last day of the previous month through the penultimate day of the given month, you make cashless transactions with it totaling at least PLN 300, or if you are under 18. Two benefits are free of charge; each additional benefit costs PLN 3.50 per month. A benefit selected for the account will be active from the following day. If you cancel a benefit, it ceases to be active on the first day of the following calendar month. Terms consistent with the list of representative services are available in the glossary at www.aliorbank.pl

- Personal Account for Young People:

We will not charge an account maintenance fee if you are under 26. We will not charge an account-card service fee if you are under 18. Two benefits are free of charge; each additional benefit costs PLN 3.50 per month. A benefit selected for the account will be active from the following day. If you cancel a benefit, it ceases to be active on the first day of the following calendar month. All indicated documents are available at Alior Bank branches and at www.aliorbank.pl. The Personal Account is available exclusively to persons aged 13 and over. For minors, the account may be opened at our branches with the consent of a statutory representative. The Personal Account for minors differs in the range of available benefits in accordance with the Terms and Conditions of Benefits for the Personal Account. Terms consistent with the list of representative services are available in the glossary at www.aliorbank.pl

- Online Account:

The monthly fee for using the account card is PLN 0 in the month in which the card is issued, and thereafter provided that, during a given month, cashless transactions totaling at least PLN 300 are made with the card; the amount is calculated individually for each card issued for the account. In other cases, the fee is PLN 6 per month. The fee applies to cards with the statuses “For activation,” “Active” and “Blocked.” The PLN 0 transfer fee applies to domestic online transfers in PLN and European transfers. Free withdrawals apply to own ATMs, withdrawals of at least PLN 100 from Euronet ATMs and withdrawals of any amount from ATMs abroad. Terms consistent with the list of representative services are available in the glossary at www.aliorbank.pl

- Consolidation Loan, APR 19.21%

The annual percentage rate (APR) of the promotional “Unchanged Consolidation III” offer is 19.21%; total credit amount (excluding financed costs): PLN 76,800; total amount payable: PLN 151,539.10; fixed interest rate: 14.90%; total credit cost: PLN 74,739.10, including commission: PLN 0 (0%), insurance premium against loss of employment and personal accidents: PLN 7,612.80, interest: PLN 67,126.30; 105 monthly instalments, including 104 equal instalments of PLN 1,443.24, final instalment: PLN 1,442.14. The calculation was made on 1 July 2022 based on a representative example. The minimum credit amount is PLN 30,000. The promotional offer includes concluding a life-insurance agreement for credit amounts from PLN 30,000 to PLN 70,000, or an insurance agreement against loss of employment and personal accidents for credit amounts above PLN 70,000. Concluding an insurance agreement with Alior Bank is voluntary. The premium is financed and paid as a lump sum. For credit amounts above PLN 70,000, Alior Bank requires the credit to be secured by an assignment of rights under an insurance agreement against loss of employment and personal accidents. The amounts presented above include financed costs. Under the promotion, only loans, credits, account overdraft limits and credit cards from outside Alior Bank may be consolidated. The total amount of consolidated liabilities is at least PLN 10,000. The final lending terms depend on the customer’s creditworthiness, credit amount, credit disbursement date and date of payment of the first instalment. Life insurance from PZU Życie SA – coverage lasts 24 or 36 months, including after early full repayment of the credit, unless cancellation of the insurance is reported. Insurance against loss of employment and personal accidents from PZU SA – coverage lasts for the term of the credit agreement, but no longer than 60 months, and the monthly benefit for loss of employment is payable provided that the loss of employment occurs no earlier than on the 61st day from the date of conclusion of the insurance agreement. Coverage also continues after early full repayment of the credit, unless cancellation of the insurance is reported. The bank is an insurance agent entered in the KNF register and acting on behalf of multiple insurers. The regulations of the “Unchanged Consolidation III” promotion, the Schedule of Fees and Commissions for Individual Customers, the general terms and conditions of both insurance products for borrowers, information about the agent, the agent’s power of attorney, product information sheets and documents containing information about insurance products are available at Alior Bank SA branches and at www.aliorbank.pl.