Verdict
RRSO Santander 20.5%, Alior 21%. Marginal gap. Initial limit: Santander 3–15 000 PLN by income, Alior 2–10 000 PLN with a lower base (accepts lower score and income).
Minimum BIK score: Santander 420+, Alior 380+. Edge clients usually find a card at Alior when Santander declines. The cost of access: slightly higher RRSO.
Terms compared
| Product | Santander Bank Polska | Alior Bank |
|---|---|---|
| Maximum limit | ✓ 60 000 PLN | 50 000 PLN |
| RRSO on balance | ✓ 20.5% | 21% |
| Minimum BIK score | 420+ | ✓ 380+ |
| Minimum income | 4 000 PLN net | ✓ 3 000 PLN net |
| Cashback | 1% | 1% |
Fits for
Santander Bank Polska
- Clients with a full income profile
- People valuing lower RRSO
- Santander active-account clients
Alior Bank
- Edge clients (score 380–420)
- Lower-income clients (3 000+ PLN)
- Allegro clients planning Allegro Pay integration
Frequently asked questions
Which bank accepts a lower BIK score?+
Alior (380+) vs Santander (420+). A 400 score client is accessible at Alior, often declined at Santander.
Which bank has lower card RRSO?+
Santander marginally (20.5% vs 21%). Practical gap small.