Updated October 17, 2026 · BorrowCue Editorial Team
Alior Bank vs BBVA
Where Alior Bank and BBVA differ
| Compare |  Alior Bank | BBVA ReviewVisitVisit |
|---|---|---|
| APR | 9.15% | 8.08% to 9.16%Lower |
| Loan amount | PLN 500 to PLN 250,000 | €3,000 to €75,000 |
| Term | 3 to 120 monthsHigher | 24 to 96 months |
| Arrangement fee | 0% (0 PLN) | 0 EUR |
| Funding time | Funds transferred to the customer's account, possibly the same day | Money credited to your BBVA account after signing, in 3 steps |
| Representative example | 41,800 PLN over 50 instalments of 985.55 PLN, RRSO 9.15%, 0 PLN fee | EUR 10,000 over 8 years: EUR 145.47/month at 9.16% TAE, opening fee 0%, total EUR 13,976.85 |
| Rate type | Not confirmed | Fixed |
| Free early repayment | Not confirmed | No |
| Eligibility | Not confirmed | Must be a BBVA customer with an account; the 1% rate discount requires payroll (min net EUR 600/month) or pension (min EUR 300/month) domiciled at BBVA |
| Loan types | Not confirmed | Personal |
| Use cases | Not confirmed | Home improvement |
Same on both: Credit check (Hard), Lender type (Direct lender), Origination fee (%) (0%).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- BBVA scores higher overall: 9.4 vs 9.1.
- APR is lower at BBVA: 8.08% to 9.16% vs 9.15%.
- Term is higher at Alior Bank: 3 to 120 months vs 24 to 96 months.
Our verdict on each
Alior Bank
For borrowers who value advised service across everyday banking, Alior Bank is a nationwide universal bank serving all market segments in Poland. It addresses individuals and firms that expect higher quality service and advice while managing banking and borrowing in one place.
BBVA
BBVA suits existing customers in Spain who want a fixed-rate personal loan with fees of 0 EUR and the money landing in their BBVA account. The cost picture is the draw: APR of 8.08% to 9.16% sits below the site median, 12%, though the account requirement narrows who can apply.
Score breakdown
| Area | Alior Bank | BBVA |
|---|---|---|
| Cost | 9.2Higher | 8.9APR of 8.08% to 9.16% on a personal loan with fees of 0 EUR, below the site median, 12%. |
| Offer | 8.5 | 9.6Higher |
| Trust | 9.3 | 9.6Higher |
Also worth a look
Sofkredit has term at 6 to 240 months, against 3 to 120 months for Alior Bank and 24 to 96 months for BBVA.
Sofkredit reviewSources behind this comparison
Alior Bank
- aliorbank.pl: 10 facts, checked September 26, 2026
BBVA
- bbva.es: 15 facts, checked September 26, 2026
- esma.europa.eu: 2 facts, checked September 26, 2026
- es.wikipedia.org: 1 fact, checked September 26, 2026
How they place
| Ranking | Alior Bank | BBVA |
|---|---|---|
| Personal loans | 96 of 1920 | 82 of 1920 |
| Mortgages | 12 of 716 | 10 of 716 |
Every fact side by side
| Fact | Alior Bank | BBVA |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Legal entity | Not confirmed | Banco Bilbao Vizcaya Argentaria S.A. |
| Headquarters | Not confirmed | Spain |
| Founded | Not confirmed | 1857 |
| Support channels | Phone, Help centre | Not confirmed |
Where each stands against the rest
| Fact | Alior Bank | BBVA | Median |
|---|---|---|---|
| APR | 9.15%above the median | 8.08% to 9.16%below the median | 8.95% |
| Term | 3 to 120 monthshighest quarter | 24 to 96 monthsabove the median | 60 |
| Origination fee (%) | 0%below the median | 0%below the median | 0.125% |
Median across 1164 listed lenders.
Pros and cons
Alior Bank
Pros
- Operates nationwide in Poland across all market segments
- Serves individuals and companies seeking higher quality advice
- Combines everyday banking and borrowing within one institution
Cons
- Nationwide Polish focus provides no stated path for borrowers abroad
- Universal model brings less depth than a specialist credit provider
BBVA
Pros
- APR of 8.08% to 9.16% sits below the site median, 12%.
- Fees of 0 EUR on a personal loan, so the quoted rate is not padded by an opening charge.
- Money is credited to the BBVA account after signing, so settlement needs no new payee setup.
Cons
- Free early repayment is no, so clearing the balance sooner carries a cost.
- Eligibility starts with holding a BBVA account, and the rate discount asks for a payroll or pension domiciled at BBVA.
- The credit check is hard, so a decline can leave a mark on the credit file.
Who each suits
Alior Bank
Who it suits
- Borrowers preferring advice led universal banking
- Individuals and firms wanting one banking relationship
- Customers using mobile tools for currency needs
Who should look elsewhere
- Borrowers seeking a specialist lender only
BBVA
Who it suits
- Existing BBVA account holders in Spain with a domiciled payroll or pension who want a rate they can plan around.
- Borrowers funding a home improvement project who can spread the cost, since terms run 24 to 96.
- Readers who prefer the lender to hold the contract rather than a broker, since BBVA is a direct lender.
Who should look elsewhere
- Cashspace, priced at an APR of PHP 12 to PHP 36, if you want a different rate band than BBVA's 8.08% to 9.16%.
- Monzo Flex, at 10% to 23%, for readers comparing a UK lender rather than a Spanish bank.
- Cashspace ES, whose listed APR of 0% reads lower than BBVA's 8.08% to 9.16%.
Country by country
| Country | Alior Bank | BBVA |
|---|---|---|
| Spain | No | Yes |
Questions about each
Alior Bank
What kind of bank is Alior Bank?+
Alior Bank operates as a nationwide universal bank that serves all market segments. It directs its offer toward customers who expect higher quality service and advice. The institution works with both individuals and companies.
Which products does Alior Bank provide for individuals?+
Alior Bank maintains personal accounts, deposits, credits, loans and credit cards for individual customers. Everyday banking therefore sits alongside borrowing within a single institution. Advice forms a stated part of that individual relationship.
BBVA
What rate does BBVA charge on a personal loan?+
The personal loan carries an APR of 8.08% to 9.16%, fixed for the whole term. The published example pairs that rate with fees of 0 EUR, so the quoted figure is not padded by an opening charge. Terms run 24 to 96, which shapes the monthly instalment.
Is BBVA regulated?+
BBVA appears in the Spanish register under the Comision Nacional del Mercado de Valores (CNMV), listed as licence MiCA CASP K8MS7FD7N5Z2WQ51AZ71. The legal entity behind the brand is Banco Bilbao Vizcaya Argentaria S.A., and the bank is a direct lender, so the contract is with the bank itself.