How to analyze your Alior Bank statement and find the leaks

VESTELON FLOW3 de septiembre de 20268 min de lectura

Alior Bank is the youngest of Poland's large banks, launched in 2008 and built around online and mobile banking from the start. That shows in the product: Alior Online and Alior Mobile are fast, the card works everywhere, and the currency exchange is a reason many people opened the account in the first place. It also means Alior customers tend to be exactly the kind of people who pay for everything by card, in several currencies, with a handful of subscriptions running in the background. Which is precisely the account where small costs go unnoticed for longest.

Alior keeps every one of those transactions, and it will give you the full history in a format a tool can read. The export is just tucked away somewhere most people never look.

How to export your Alior Bank statement

Alior's CSV export works through a template, which is unusual and worth knowing. In Alior Online, open Ustawienia (settings) and choose Eksport. Add a new template and pick the transaction history type. In the template, set the separator to a semicolon (;), the character encoding to UTF-8, and tick the option that puts field names in the header row. Save it.

From then on, exporting is quick: choose the template, select the account, set the date range and any filters, and click export. You can narrow the file to only debits or only credits if you want, but for finding leaks take everything — the point is to see the whole picture in one place. The file arrives as CSV with one transaction per row.

In Alior Mobile you can open the full transaction history and read it on the phone, but the CSV export itself lives in Alior Online, so do this part on a computer once, and the template stays saved for next time.

Then upload the file to VESTELON FLOW. You never hand over your Alior Online login, your password, your mobile authorisation or any kind of access to the bank. FLOW reads the file you exported yourself, nothing else.

Inside the file, expect dates as DD.MM.YYYY, amounts in złoty with a comma as the decimal separator, domestic transfers described through the Elixir system, and card payments under the merchant name registered by the payment processor. If you use Alior's currency exchange, you will also see the conversion legs as separate rows — useful, because it makes the cost of each exchange visible instead of buried in a payment.

¿Cuánto se te va sin que te des cuenta?

Suscripciones12%

Comisiones bancarias7%

Vivienda33%

Transporte13%

Ocio21%

Suministros14%

Esto es solo una estimación. Sube tu extracto y descubre tu cifra real.

Where money quietly leaks at Alior Bank

Alior's pricing, like every Polish bank's, is conditional: account and card fees are typically waived when you meet a condition, such as an income transfer above a threshold or a minimum number of card payments per month. Conditions are easy to meet deliberately once you know which ones apply to you. What to look for on your own statement:

A fee that shows up in some months only. That is a waiver you are meeting most months and missing in others, and the months tell you why.
Exchange costs that add up. Alior customers use the exchange often. Each conversion is cheap; the sum over a year is a number worth seeing.
Withdrawals outside the network. Small each time, a subscription when repeated.
Standing orders that outlived their purpose. Insurance on something sold, a membership near an old address, a provider you replaced without cancelling.
Card subscriptions billed under a processor's name. The most common single finding and the fastest to fix.

No amounts in that list, on purpose. Fee tables change and depend on your account and when you opened it. The reliable number is on your statement.

What FLOW finds in an Alior statement

Upload the CSV and FLOW reads it for you. Every row is categorised, then FLOW looks for what a human eye slides past in several hundred lines:

Every recurring charge, ranked by annual cost rather than monthly.
Bank fees and exchange costs separated from your actual spending, so the price of the account is a visible number.
Forgotten subscriptions, including those under a payment processor's name.
Your fixed costs against your income, which is what determines your room each month.
How many months your reserve would cover if the income stopped.

One report, ranked, with the first three actions worth taking. No bank connection, nothing to install, no open-banking consent.

Turning the report into recovered money

Cancel what you no longer use. Top of the ranked list first; forgotten subscriptions are the fastest win.
Meet the waiver conditions on purpose. Find the threshold that removes a recurring fee and decide whether it is worth meeting.
Look at the exchange total once a year. If the sum surprises you, batch your exchanges instead of converting small amounts often.
Redirect what you recovered. Straight to savings or your reserve, before it leaks elsewhere.

FLOW is in early access, so you are ahead of the crowd, and your first report is free. Upload one statement and get one clear answer: what your Alior account actually costs you.

See where your money is leaking, free ›

Sube un solo extracto bancario. FLOW te enseña exactamente en qué se te va el dinero hoy, cuánto vale ese dinero si lo rediriges, y el año en que podrías ser libre. No es otro contador de gastos: es un plan que de verdad puedes poner en marcha.

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