Alior Konto Plus

Alior Konto Plus – Review

Alior Konto Plus is a personal current account from Alior Bank where the customer decides how many optional add-on services to attach to the account, while the bank offers a generous, multi-stage welcome bonus in return. It is aimed primarily at customers with regular monthly inflows who pay actively by card or BLIK - for them, most of the fees can be reduced to zero. Unlike accounts with a single, fixed bundle of services, Alior Konto Plus is modular - the customer decides which add-on services to use and how much they are willing to pay for them once the promotional period ends.

Fees and charges

The account maintenance fee ranges from PLN 0 to PLN 12 per month. The bank does not charge it in the month the account is opened, and in later months it waives it for customers who receive at least PLN 3,000 in total in a given month (from other banks or from other people, not from their own Alior Bank accounts) and make at least 5 cashless card or BLIK transactions. Customers under 26 pay neither the account fee nor the card fee, regardless of activity. Domestic transfers to other banks ordered in online and mobile banking cost PLN 0 regardless of account activity (PLN 10 at a branch or through a phone consultant).

The debit card costs between PLN 0 and PLN 6 per month, and the waiver works under exactly the same conditions as the account maintenance fee waiver (minimum monthly inflow of PLN 3,000 and at least 5 card/BLIK transactions) - meeting one condition avoids both fees at once.

Cash withdrawals from Alior Bank ATMs are free. At other ATMs in Poland (including Euronet and Planet Cash) and abroad, a withdrawal costs PLN 5 by default. This fee can be brought to zero by switching on the relevant account benefits: "Free ATM withdrawals in Poland" and "Free ATMs abroad" (how these benefits are priced is described below).

Customers can switch on up to six benefits that extend the account: free ATM withdrawals in Poland, free ATMs abroad, an assistance package (emergency help), a package of 5 free instant transfers per month, card payments without currency conversion costs, and a multi-currency service. Two active benefits are free, and the third and each further one costs PLN 5 per month. No benefit fees are charged in the month the account is opened.

It's worth noting that exactly the same condition (a monthly inflow of at least PLN 3,000 and at least 5 card or BLIK transactions) waives two separate fees at once - the maintenance fee and the card fee. A customer who consistently meets this activity threshold doesn't need to track two different conditions, only one - and meeting it brings both line items on the statement down to PLN 0. For a customer who never meets this condition in a given month, the combined total of both fees (PLN 12 for account maintenance plus PLN 6 for the card) is PLN 18 at most - the upper ceiling of the monthly cost of simply holding the account, not counting any ATM withdrawal fees or add-on services.

Features and app

The account is managed through the Alior Mobile app, supporting BLIK, Google Pay, Apple Pay and NFC payments. The Debit Mastercard allows online and contactless payments, and Alior Mobile also offers a free Kantor currency exchange service.

The bonus for opening the account depends on the current edition of the promotion. In the "Alior Konto Plus z premią II" promotion (applications from 14.10.2026 to 11.01.2027, or until the reward pool runs out), the promo code PREMIA800 must be entered in the online application. The promotion is open to adults who have not held a personal account at Alior Bank in the last three years. Rewards are granted in stages:

• PLN 200 and a payment ring worth PLN 500 - within 10 days of signing the account and card agreements, add the card to a digital wallet (e.g. Google Pay, Apple Pay) and make at least one transaction with it.
• PLN 200 - in the month after the month of opening: 3 card or BLIK transactions, a single inflow of at least PLN 1,000 from an account at another bank (or from a business account at Alior Bank) and at least one login to Alior Mobile.
• Up to PLN 400 - PLN 100 for each of the next 4 months in which the same three conditions are met.

In other words, the full PLN 800 (plus the ring) requires activity spread over several months: inflows of at least PLN 1,000, a few payments a month and logging into the app. This is not a bonus paid automatically just for opening the account. The first stage is the easiest to earn, while the last one, spread over 4 months, takes the most time. Missing the conditions in a given month means losing the reward for that month.

Who is it for

The account works best for people who already have regular monthly inflows of around PLN 3,000 or more and pay by card or BLIK more than 5 times a month - for them both the account and the card remain free, and they can also meet the conditions of the current promotion along the way. Customers under 26 pay nothing for the account or the card regardless of activity. It will also appeal to someone who prefers to choose add-on services individually rather than pay for a pre-set bundle. For customers aged 26 or over with lower or irregular inflows, both the maintenance fee and the card fee can realistically apply.

Someone who travels often can switch on the benefits for ATMs abroad, card payments without conversion costs or the multi-currency service, bearing in mind that two active benefits are free. On the other hand, a customer who rarely pays by card or BLIK and prefers cash may struggle both to avoid the maintenance and card fees (if aged 26 or over) and to meet the promotion conditions.

How to open the account

The account can be opened online, confirming identity with the mObywatel app, via VideoSelfie in Alior Mobile, by logging into another bank, or with a verification transfer. To take part in the promotion, the code PREMIA800 must be entered in the application - skipping it means opening the account without the ability to claim the rewards. After opening the account, it is worth adding the card to a digital wallet and paying with it straight away, since the first promotion stage must be completed within 10 days.

Pros and cons

Pros

• Free domestic transfers in online and mobile banking
• One shared condition waives both the account and card fees
• Bonus of up to PLN 800 plus a payment ring in the PREMIA800 promotion
• Flexible choice of add-on benefits, two of them free
• No account or card fees until age 26
• Card with Google Pay, Apple Pay and contactless payments

Cons

• The full bonus requires activity spread over several months
• From age 26, without meeting the conditions, account and card fees combined can reach PLN 18/month
• Withdrawals from non-Alior ATMs cost PLN 5 without an ATM benefit switched on
• The third and each further benefit costs PLN 5/month

Summary

Alior Konto Plus is a flexible personal account with a realistic chance of zero fees - customers under 26 pay nothing for the account and card at all, and older customers pay nothing provided they have monthly inflows of at least PLN 3,000 and make at least 5 card or BLIK transactions every month. For customers who fit that profile, it is a solid option with plenty of freedom in choosing add-on benefits: free transfers in online and mobile banking, one shared condition that waives two fees at once, and a card with Google Pay and Apple Pay. For those looking for a simple, no-strings account without a multi-month bonus "collection" process, it may be less appealing - the full bonus in the current promotion requires activity spread over several months rather than a one-off action after opening the account.