Alior Bank — founded in 2008, one of Poland's more digitally innovative banks — supports the PSD2 open banking standard via PolishAPI. That means a licensed finance app can, with your consent, read transaction history and balances from your Alior Bank account and show them alongside accounts from other banks. No password sharing with the app, no access to payments — read-only.
Alior Mobile has built-in spending analytics — but only for accounts held at Alior. If you also have mBank, ING, Revolut or savings elsewhere, your view is incomplete. This article covers: whether Alior Bank supports PSD2, a 5-step connection guide, an honest comparison of Alior Mobile versus an external app, and a clear explanation of the 90-day re-authorisation cycle.
Najważniejsze informacje
- Alior Bank supports PSD2 — PolishAPI standard, available via GoCardless (2,400+ European banks)
- Connection takes 2-3 minutes — login on the official Alior Bank page, confirm read-only access, transactions sync up to 90 days back
- 90-day re-auth is a PSD2 rule, not Alior-specific — all Polish banks require it. Takes 2-3 minutes to renew.
- Read-only only — budgeting apps as AISPs cannot make transfers. Your bank password never leaves the bank's page.
Does Alior Bank support open banking and PSD2?
Yes. Alior Bank supports the PSD2 directive (2015/2366) through PolishAPI — the common technical standard developed by the Polish Bank Association for all Polish commercial banks. Alior Bank is also available in the GoCardless network, which aggregates over 2,400 European banks under a single API and is used by Martia as its open banking provider.
What is PSD2 open banking?
PSD2 (Payment Services Directive 2) is a 2015 EU directive that requires banks to share account data with licensed third-party apps — if you explicitly consent. In Poland this is implemented via PolishAPI, a shared technical standard. Alior Bank, as a commercial bank, is required to support it. Authorised apps (AISPs) can read your transaction history and balances — nothing more.
The practical consequence: you can authorise an external finance app to read your Alior Bank transactions. Consent is voluntary, one-time, and revocable at any time — in Alior's online banking, in Alior Mobile, or in the budgeting app itself.
How to connect Alior Bank to Martia — step by step
The connection happens via PSD2 through GoCardless and takes 2-3 minutes. Your banking password never leaves the Alior Bank website. Here is the full procedure in five steps.
Step 1: Tap “Add account” and search for Alior Bank
In Martia, go to the accounts section and tap “Add account”. In the bank search, type “Alior Bank” and tap the result. You don't enter any credentials in the app — this is just selecting the institution.
Step 2: You're redirected to Alior Bank's official login page
Martia opens the official Alior Bank authorisation page — the same one you use for online banking. Check the URL in your browser, as you always should before entering banking credentials. Enter your login and password. Martia does not see these details.
Step 3: Log in with your Alior Mobile credentials
Use the same credentials you use for Alior Mobile or online banking. After you log in, Alior Bank will display the scope of access being requested: transaction history and balances, read-only, no payment permissions.
Step 4: Confirm read-only access
Click “Confirm” (or the equivalent consent button). Alior Bank sends the authorisation to GoCardless, which passes a read-only access token to Martia. From this point the app has permission to retrieve your transactions — read-only, scoped to your accounts.
Step 5: Martia pulls up to 90 days of transaction history
Martia syncs your Alior Bank transaction history — up to 90 days back (the PSD2 standard limit). Each transaction gets an automatic category. You can immediately start asking in chat: “how much did I spend in May?”, “where does most of my money go?”.
The 90-day re-authorisation explained
PSD2 requires consent renewal every 90 days. This is a regulatory rule (EBA Regulatory Technical Standards), not Alior Bank's own policy — it applies to all Polish banks equally. Renewing looks exactly like the first connection: log in on the official Alior Bank page, confirm consent. Takes 2-3 minutes. The app notifies you a few days before expiry.
Alior Bank supports open banking. Connect it to Martia in 3 minutes.
Log in on the official Alior Bank page, confirm read-only access — and your Alior transactions join the rest of your accounts in one view, with an AI that answers questions about your money.
Alior Mobile vs Martia — honest comparison
Alior Mobile is a solid banking app with basic analytics. It's worth being honest about what it actually does — and where it naturally ends. This is not a criticism of Alior Bank; no bank shows data from its competitors.
What Alior Mobile does on its own
- →Basic transaction categorisation — automatic split into spending categories for Alior accounts
- →Real-time balance — current account, savings, Alior credit cards
- →Transaction history with filters — search by amount, date, description
What Alior Mobile doesn't do — and what Martia adds
| Feature | Alior Mobile | Martia |
|---|---|---|
| Accounts from other banks | None — Alior only | Yes — 2,400+ banks |
| AI chat about your finances | None | Yes — natural language questions |
| Subscription auto-detection | None | Yes — spots recurring charges |
| Combined balance across all banks | None | Yes — one total balance view |
| Cost | Free | Free (early access) |
If your entire financial life is in Alior Bank, Alior Mobile may be enough. If you hold accounts at multiple banks, want a combined view, or want to ask questions about your money in natural language — an external app adds what the bank app cannot.
Common issues and questions
Issue 1: Authorisation expired after 90 days
The most common friction point with open banking. Every 90 days PSD2 requires you to renew consent at the bank. You don't lose any transaction history — Martia remembers everything already synced. You just need to refresh the token: log in at the Alior Bank website and confirm access again. 2-3 minutes. Martia sends a reminder before expiry.
Issue 2: Bancovo loans — will they appear?
Bancovo is Alior Bank's consumer lending platform — a separate product, not a current account in PSD2 terms. Open banking covers ROR current accounts, savings accounts and Alior credit cards. Bancovo loan repayments appear as outgoing transactions on the linked Alior current account, so Martia will include them in your spending history.
Issue 3: Transactions don't sync in real time
PSD2 caps automatic refresh at approximately 4 times per day per account — a regulatory requirement that applies to all Polish banks, not just Alior. New transactions appear every few hours. You can trigger a manual sync (it counts toward the daily limit) after a large purchase if you need to see it immediately.
Issue 4: How to revoke access
Three routes, all immediate: (1) in Martia → Settings → Accounts → Alior Bank → Disconnect; (2) in Alior Bank online banking → PSD2 consent management section; (3) in Alior Mobile → settings → third-party consents. One click, no phone call needed.
Myth vs. reality
Myth: “Connecting an app to Alior Bank gives it my password and lets it make transfers.”
Reality: The app as an AISP never sees your password — you log in directly on the bank's page. It has no access to payment initiation (that requires a separate PIS licence, which budgeting apps don't hold). The bank issues a read-only token scoped to your accounts, valid for 90 days.
Ask questions about your money — across all your banks at once
Connect Alior Bank (and your other banks) via open banking. Ask in natural language: “how much did I spend on restaurants in May?”, “where am I overspending?” Martia answers from your real transactions.
Frequently asked questions
Does Alior Bank support open banking and PSD2?
Yes. Alior Bank supports the PSD2 directive (2015/2366) through the PolishAPI standard — the common technical framework for Polish commercial banks. Licensed finance apps (AISPs) can, with your consent, read transaction history and account balances from Alior Bank. Alior Bank is also available through GoCardless, which aggregates 2,400+ European banks via a single API.
How do I connect Alior Bank to a budgeting app?
The process takes about 2-3 minutes. In the budgeting app (e.g. Martia), tap 'Add account' and search for Alior Bank. You'll be redirected to the official Alior Bank login page — your credentials stay with the bank, never with the app. Confirm read-only access (no payment permissions). Alior Bank sends authorisation to GoCardless and the app begins pulling transactions, up to 90 days of history.
Why does Alior Bank require re-authorisation every 90 days?
The 90-day re-auth is a PSD2 requirement (EBA Regulatory Technical Standards), not something Alior Bank imposes on its own. It applies to all Polish banks — PKO BP, mBank, ING, Pekao, Santander, Alior. Re-authorisation looks exactly like the first connection: log in on the bank's official page and confirm consent. It takes 2-3 minutes. Your app should notify you before the consent expires.
Is Bancovo (Alior Bank's lending platform) accessible via open banking?
Not as a separate connected account. Bancovo is Alior Bank's consumer lending platform — a separate product from a current account in PSD2 terms. Open banking works for ROR current accounts, savings accounts and Alior credit cards. Bancovo repayment transactions will appear in your Alior current account history, so Martia will see them as outgoing transactions.
What does Alior Mobile do well, and where does it fall short vs a budget app?
Alior Mobile provides basic transaction categorisation, balance overview and transaction history with filters — but only for accounts held at Alior Bank. It doesn't show accounts from other banks, has no AI chat in Polish about your finances, and doesn't auto-detect subscriptions. An external app like Martia aggregates all banks in one view, lets you ask questions in natural language ('how much did I spend on food in May?'), and applies Polish-market-aware categorisation.
Can a budgeting app make transfers from my Alior Bank account?
No. Budgeting apps operate as AISPs (Account Information Service Providers) under PSD2 — they can only read transactions and balances. Making payments requires a separate PIS licence, which budgeting apps don't hold. Martia will never request payment initiation permissions.
Is there a better expense tracking option for Alior Bank customers than the bank's own app?
If you only use Alior Bank and need basic categorisation, Alior Mobile may be sufficient. If you have accounts at multiple banks, want to see everything in one place, or prefer an AI assistant that answers questions about your spending in Polish, it's worth connecting Alior Bank to an external app. Martia supports Alior Bank via GoCardless alongside 2,400+ other European banks — one-time PSD2 connection, read-only, no subscription fee.
Sources
- Alior Bank (2026), Product page — online banking and Alior Mobile, aliorbank.pl
- GoCardless (2026), Bank Account Data — supported banks, gocardless.com/bank-account-data
- PolishAPI (2026), List of commercial banks supporting the PolishAPI standard, polishapi.org
- European Parliament / Council of the EU (2015), PSD2 Directive (2015/2366), eur-lex.europa.eu
- European Banking Authority (EBA), Regulatory Technical Standards on Strong Customer Authentication, eba.europa.eu
Czytaj dalej
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