Verdict
RRSO: mBank 9.5–12% in 2026, Alior 11–14%. Gap about 1.5–2 pp. Reason: mBank keeps costs low via digital distribution; Alior must price higher-risk edge clients, and it shows.
BIK score: mBank 380+, Alior 350+. DTI: mBank 45%, Alior 48%. Alior is more lenient on both — accepts clients declined at mBank. Casual contracts: mBank from 6 months of regularity, Alior from 3 months.
Mobile app: mBank wins on quality (Best App 2018–2025). Alior's app is functional but trails in rankings. Alior wins on Allegro Pay integration — a loan for Allegro purchases up to 30 000 PLN in 10 minutes.
Terms compared
| Product | mBank | Alior Bank |
|---|---|---|
| RRSO 2026 | ✓ 9.5–12% | 11–14% |
| Minimum BIK score | 380+ | ✓ 350+ |
| Maximum DTI | 45% | ✓ 48% |
| Minimum service contract | 6 months | ✓ 3 months |
| Mobile app | ✓ Best App PL 2018–2025 | basic |
| Allegro loan | none | ✓ up to 30 000 in 10 minutes |
Fits for
mBank
- Clients with score 380+ and a full income profile
- People valuing a strong mobile app and a fast process
- Anyone hunting the lowest RRSO in the digital segment
Alior Bank
- Clients with score 350–380 declined at mBank
- Freelancers with short history (3–6 months)
- Allegro clients planning big purchases split into instalments
Frequently asked questions
Alior (350+) vs mBank (380+). A 360 score client stands a chance at Alior, almost always declined at mBank.
mBank, on average 1.5–2 pp lower RRSO. But that gap only applies to clients mBank accepts; if mBank declines, Alior is the fallback.
Yes. A loan for Allegro purchases up to 30 000 PLN closes in the Allegro Pay app in 10 minutes — funded by Alior Bank.