About us

The change in the banking law in August 2011 caused the increase in the number of online currency exchange offices and revolutionized the current sales of foreign currency. Alior Bank meets Clients’ expectations and launches the first banking currency service that is fully available on the Internet – Kantor Walutowy. It guarantees safety of the funds gathered in Clients’ accounts, which is not available at other non-banking platforms. Clients can remotely get access to Kantor Walutowy and open accounts for different currencies without leaving the house. Kantor Walutowy offers a bird's eye view on all your accounts with a single login and without additional fees. Thanks to Kantor Walutowy currency exchange is now less time-consuming as the exchange is executed between your accounts immediately. Clients who want to receive the exchanged funds in cash can visit one of the selected branches of Alior Bank. Kantor Walutowy is the first banking product that links together comfort, safety and advantageous conditions of currency exchange.

More information about Alior Bank is available on the bank's website.

The Kantor Walutowy platform offers free accounts in 14 currencies and currency exchange without additional costs. Individual Clients can also order a debit card for accounts held in EUR, GBP and USD. The issuance of a debit card is free of charge only if the client performs a non-cash transaction within 6 months from the moment the card is sent to the client or before the card is blocked or closed.

Clients are allowed to make free currency transfers of funds exchanged in Kantor Walutowy. The money will be sent under all types of SHA options which means that transfer will be settled on the same day. The amount of money that can be sent for free is measured by Licznik. Licznik registers all funds that have been exchanged in Kantor Walutowy. Each currency transfer to other banks decreases Licznik value. For currency transfers which exceed Licznik value the regular fee will be charged in accordance with the following tables of fees: Tabela Opłat, Prowzji i Oprocentowania dla Klientów Indywidualnych and Tabela Opłat, Prowizji i Oprocentowania dla Przedsiębiorców i Innych Podmiotów

Charging Options SHA, BEN, and OUR determine how fees are assessed for the payment you are initiating:

SHA - SHA option means that all correspondent bank transfer fees are shared between the ordering customer and the beneficiary customer. The ordering customer only pays Alior Bank’s standard fee.

OUR - OUR Option means that all correspondent bank transfer fees are paid by the ordering customer including any fees charged by any foreign bank. With charges OUR the beneficiary receives the exact amount sent by the ordering customer although the beneficiary’s bank might still make a charge for receiving the funds

BEN - Ben Option means that all bank fees are paid by the beneficiary customer by a deduction from the amount of the transfer except for Alior Bank’s standard fee which is paid by the ordering customer.

Special type of wire transfer is European transfer which is settled in accordance with SEPA instructions SEPA (Single Euro Payments Area)

The features of a European transfer are::

  • transfer only in EUR,
  • SHA costs option (cost share between the transfering person and the recipient),
  • the transfer will be made only under ordinary or urgent procedure,
  • the transfer will only be made through the Internet platform,
  • the beneficiary's bank is in an EUR country or in Iceland, Lichtenstein, Switzerland or Norway or in one of EUR dependent territories (see countries belonging to SEPA area),
  • z opcją kosztową SHA (koszty współdzielone między odbiorcą a nadawcą),
  • the recipients account number is provided in IBAN standard.

Excerpt from the Tabela Opłat, Prowizji i Oprocentowania dla Klientów Indywidualnych

Full version of the documents TOPiO dla Klientów Indywidualnych oraz TOPiO dla Przedsiębiorców i innych podmiotów are available in the section Documentation under tab About Us.

General Fees

 1. Registration to Kantor Walutowy 0 zł
2. Kantor walutowy monthly fee 0 zł
3. Openning a new account 0 zł
4. Running the account 0 zł
5. Charges for text message to confirm the transaction 0 zł

 

Transfers

1. Domestic transfers through internet banking 0 zł
2. European transfer through internet banking

0 zł for the amount within Licznik

5zł for the amount above Licznik

3. Currency transfers through internet banking  
3.1. BEN - cost option  
  ordinary

0 zł for the amount within Licznik

30 zł for the amount above Licznik

urgent

0 zł for the amount within Licznik

45 zł for the amount above Licznik

express

0 zł for the amount within Licznik

50 zł for the amount above Licznik

3.2. SHA - cost option  
  ordinary

0 zł for the amount within Licznik

30 zł for the amount above Licznik

urgent

0 zł for the amount within Licznik

45 zł for the amount above Licznik

express

0 zł for the amount within Licznik

50 zł for the amount above Licznik

3.3. OUR - cost option  
  ordinary 100 zł
urgent 115 zł
express 120 zł
4. Quick Transfers (transfers amount expressed in PLN)*  
  0,01 - 1000 1 zł
1000,01 - 2000 2 zł
2000,01 - 3000 3 zł
3000,01 - 4000 4 zł
4000,01 - 5000 5 zł

* available only for Domestic Transfers

Debit Cards and cash withdrawals

1. Issuance of a World Debit MasterCard® card

0 zł

15 zł fee is not collected if at least one non-cash transaction is performed and settled within 6 months from the date the card has been sent to the owner or before the date when card has been blocked or closed

2. Cash withdrawals:  
 
  • At Alior Bank's branch (Individual Clients)
  • from Alior Bank's ATMs
  • from ATMs: Euronet, Cash4You, and other domestic banks
  • from ATMs abroad (first withdrawal in calendar month)
0 zł
  • from ATMs abroad (second and each consecutive withrawal in calendar month taking into account the execution date of transaction)
9 zł