Updated October 17, 2026 · BorrowCue Editorial Team
Alior Bank vs Postbank
Alior Bank vs Postbank: the differences
| Compare |  Alior Bank |  Postbank |
|---|---|---|
| APR | 9.15% | 3.25% to 14.3%Lower |
| Loan amount | PLN 500 to PLN 250,000 | €3,000 to €80,000 |
| Term | 3 to 120 months | 12 to 120 months |
| Funding time | Funds transferred to the customer's account, possibly the same day | A few days: review normally takes two business days, plus a few days until the money arrives |
| Representative example | 41,800 PLN over 50 instalments of 985.55 PLN, RRSO 9.15%, 0 PLN fee | Net loan amount EUR 10,000, effective annual rate 9.67%, nominal rate 9.27% p.a., term 84 months, 85 instalments of EUR 164, total amount EUR 13,724 (Postbank Privatkredit direkt) |
| Arrangement fee | 0% (0 PLN) | Not confirmed |
| Rate type | Not confirmed | Fixed |
| Free early repayment | Not confirmed | Yes |
| Eligibility | Not confirmed | At least 18 years old and regular salary, wage or pension payments of sufficient amount; creditworthiness required |
| Origination fee (%) | 0% | Not confirmed |
| Loan types | Not confirmed | Personal, Debt consolidation, Car |
| Credit needed | Not confirmed | Poor |
| Use cases | Not confirmed | Home improvement |
Same on both: Credit check (Hard), Lender type (Direct lender).
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Key differences
- Postbank scores higher overall: 9.3 vs 9.1.
- APR is lower at Postbank: 3.25% to 14.3% vs 9.15%.
- Support channels: only Postbank offers Email.
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.
Postbank
Postbank lends directly at 3.25% to 14.3% on amounts of €3,000 to €80,000, with a fixed rate and free early repayment. It suits German adults with regular income who want a known monthly cost and can wait a few days for the money to arrive.
Score breakdown
| Area | Alior Bank | Postbank |
|---|---|---|
| Cost | 9.2 | 9.4Higher |
| Offer | 8.5 | 9.3HigherBreadth of the offer: €3,000 to €80,000 across 12 to 120, fixed rate with early repayment free. |
| Trust | 9.3Higher | 9.2 |
Ranges side by side
| Fact | Alior Bank | Postbank |
|---|---|---|
| Term | 3 to 120 months | 12 to 120 months |
Cost in a real example
Borrow a typical amount over a typical term (estimate at the stated APR)
Alior Bank
1,473.05
1,473.05
Postbank
508.95 to 2,356.47
508.95 to 2,356.47
Postbank comes out 964.1 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Also worth a look
Prestamiau ES has apr at 0% to 36%, against 9.15% for Alior Bank and 3.25% to 14.3% for Postbank.
Prestamiau ES reviewHow they place
| Ranking | Alior Bank | Postbank |
|---|---|---|
| Personal loans | 96 of 1920 | 88 of 1920 |
| Mortgages | 12 of 716 | 11 of 716 |
Every fact side by side
| Fact | Alior Bank | Postbank |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Legal entity | Not confirmed | Postbank, a branch of Deutsche Bank AG |
| Headquarters | Not confirmed | Germany |
| Support channels | Phone, Help centre | Email, Phone, Help centreCovers more |
Mortgages
| Fact | Alior Bank | Postbank |
|---|---|---|
| Product fee | Not confirmed | €0 |
| Purpose | Not confirmed | Purchase, Remortgage |
Where each stands against the rest
| Fact | Alior Bank | Postbank | Median |
|---|---|---|---|
| APR | 9.15%above the median | 3.25% to 14.3%lowest quarter | 8.95% |
| Term | 3 to 120 monthshighest quarter | 12 to 120 monthshighest quarter | 60 |
| Origination fee (%) | 0%below the median | Not confirmed | 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
Postbank
Pros
- APR of 3.25% to 14.3% compares favourably with the 12.25% median for personal loans on this site.
- Fixed rate for the whole term (fixed), so the monthly outlay does not drift upward.
- Free early repayment, so a windfall can clear the balance without a charge.
Cons
- The rate runs to the top of the 3.25% to 14.3% range for thinner files, and the check is hard.
- Because direct lender lending puts the decision with the bank, funding takes a few days rather than landing at once.
- Borrowing runs through DE, so it is aimed at people with German income rather than applicants abroad.
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
Postbank
Who it suits
- Adults past a minimum age with a regular salary, wage or pension payment, which is what eligibility asks for.
- Borrowers who want the rate fixed to the end of the term, since fixed rate applies.
- People who expect to overpay and finish sooner, since early repayment is free.
Who should look elsewhere
- Anyone chasing interest free borrowing, since Cashspace ES quotes 0%.
- Readers who want to draw and repay repeatedly rather than take one fixed instalment loan, who should weigh Monzo Flex at 10% to 23%.
- Borrowers who want a second opinion on price, since Cashspace publishes PHP 12 to PHP 36 to set beside 3.25% to 14.3%.
Current offers
Postbank
Current offer
Bonus
Tagesgeld new deposits action: 3.2% p.a. interest for 6 months
New deposits only, total Postbank savings balance must increase
Source, checked September 26, 2026
Bonus
Wertpapierdepot online opening credit: EUR 25 credit
Open a securities account online by 30 September 2026
Source, checked September 26, 2026
Country by country
| Country | Alior Bank | Postbank |
|---|---|---|
| Germany | 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.
Postbank
What rate would I pay on a Postbank loan?+
Postbank quotes an APR of 3.25% to 14.3% on its direct private loan, which sits against a median of 12.25% for personal loans on this site. The rate is fixed (fixed) for the whole term, so the instalment you sign up for is the one you keep paying.
How much can I borrow and how long can I take to repay it?+
Borrowing runs from €3,000 to €80,000 with terms of 12 to 120, so a larger sum means a longer commitment. It is a direct lender arrangement (direct lender), which means your application sits with the bank rather than with a broker who passes details around.
Other options to compare
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