Updated October 13, 2026 · VaultCue Editorial Team
Chime vs Lunar
Chime
Lunar
Higher score in this comparison
Chime vs Lunar: the differences
| Compare | ChimeReviewSee alternativesSee alternatives | LunarReviewSee alternativesSee alternatives |
|---|---|---|
| Deposit protection | FDIC up to USD 250,000 | EU DGS up to EUR 100,000 |
| Monthly fee | $0 | DKK 0 |
| Headline rate | Not confirmed | 0.25% to 1% |
| Rate type | Not confirmed | Variable |
| Access terms | Not confirmed | Withdraw anytime; interest paid monthly on all current accounts |
| Account kind | Not confirmed | Easy access |
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Key differences
- Founded is lower at Chime: 2012 vs 2015.
- Support channels: only Chime offers Phone, Community.
- Support channels: only Lunar offers Email, Chat.
Our verdict on each
Chime
Chime differs from branch based savings because access happens through connected tools for everyday control. Chime is a savings option that suits people who prefer managing balances through digital access with clear organisation alongside everyday money needs and simple transfer visibility.
Lunar
Lunar suits people living in Denmark who want a current account that pays interest every month and can be held jointly, with a rate of 0.25% to 1% credited monthly and withdrawals left open. Students, teens and expats get a simple app-led account, though the rate is modest next to the alternatives here.
Score breakdown
| Area | Chime | Lunar |
|---|---|---|
| Cost | 9.1 | 9.1Monthly fee of DKK 0, but a free ATM allowance of DKK 0 and currency conversion at 0% to 1%. |
| Offer | 9.1Higher | 8.7 |
| Trust | 8.7Higher | 8.5 |
How they place
| Ranking | Chime | Lunar |
|---|---|---|
| Savings accounts | 781 of 1420 | 519 of 1420 |
| Online banks | 234 of 402 | 164 of 402 |
Every fact side by side
| Fact | Chime | Lunar |
|---|---|---|
| Pricing model | No monthly fee | No monthly fee |
| Legal entity | Chime Financial, Inc. | Lunar Bank A/S |
| Headquarters | United States | Denmark |
| Founded | 2012Lower | 2015 |
| Support channels | Phone, Help centre, Community | Email, Chat, Help centre |
Everyday accounts
| Fact | Chime | Lunar |
|---|---|---|
| Currency conversion fee | Not confirmed | 0% to 1% |
| Audience | Not confirmed | Expats, Student, Teen |
| Features | Digital only | Free ATM, Joint account, Digital onlyCovers more |
| Local account details | Us ACH | IBAN |
| Free ATM withdrawals | Not confirmed | DKK 0 |
| Transfer fee | Not confirmed | Outgoing transfer 3 DKK (Light); 0 DKK per transfer in SEK, NOK or EUR, 50 DKK per transfer in other currencies; 0.5% exchange fee on non-DKK transfers |
Where each stands against the rest
| Fact | Chime | Lunar | Median |
|---|---|---|---|
| Headline rate | Not confirmed | 0.25% to 1%lowest quarter | 3.25 |
Median across 658 listed accounts.
Pros and cons
Chime
Pros
- Provides savings that customers manage through digital channels for everyday organisation
- Supports ACH transfers that sit beside savings for everyday money movement
- Keeps balances and transfers visible together in one digital place
Lunar
Pros
- Interest is paid monthly on all current accounts, and the account is easy access, so the balance stays spendable.
- The monthly fee is DKK 0, so nothing is deducted for keeping the account open.
- Balances are covered by the EU deposit guarantee scheme, with protection of EU DGS up to EUR 100,000.
Cons
- Currency conversion costs 0% to 1%, and an exchange fee applies on non-DKK transfers, so spending abroad is where the cost sits.
- Support runs on email, chat and help centre only, with no phone line listed for problems the app cannot answer.
- The free cash machine allowance is DKK 0, so ATM withdrawals are not part of what the account gives you.
Who each suits
Chime
Who it suits
- People who prefer handling savings with connected tools
- Customers who value simple transfers beside savings
Lunar
Who it suits
- Students and teens opening a first account, since Lunar lists expats, student and teen as its core groups.
- Expats living in Denmark who want local payment details, since transfers use your own IBAN (iban).
- Couples sharing a balance, since a joint account sits in the feature list (free atm, joint account and digital only).
Who should look elsewhere
- Shoppers chasing the top rate: Plazo ES advertises 24.19% and AXI Card Tarjeta y Credito 21.59%, both far above the 0.25% to 1% paid here.
- Anyone who wants included cash machine use or a phone support line, given the free ATM allowance is DKK 0 and support runs on email, chat and help centre.
Current offers
Lunar
Current offer
Bonus
SAS EuroBonus welcome bonus for new Lunar customers: 3,000 points
Open a Lunar account after June 17, 2024, order the SAS EuroBonus Lunar card within 2 weeks, keep it active at least 3 months with at least 4 subscription payments, spend at least 15,000 kr (DKK/SEK/NOK) on points-accruing transactions, and have had no Lunar account in the past 2 years.
Source, checked September 26, 2026
Bonus
Lendo loan sign-up fee discount: 500 DKK off the sign-up fee
Compare loans via Lendo for free and receive offers based on your needs; discount applies when you have Lunar.
Source, checked September 26, 2026
Bonus
Wolt+ included with Lunar Unlimited: Wolt+ membership included; 3, 6 or 9-month voucher on lower tiers
Included in Lunar Unlimited and Lunar Business Limitless; lower tiers receive a voucher for a time-limited offer.
Source, checked September 26, 2026
Country by country
| Country | Chime | Lunar |
|---|---|---|
| Denmark | No | Yes |
| Sweden | No | Yes |
Questions about each
Chime
What does Chime offer for savers?+
Chime offers savings that customers organise through digital access. Balances stay visible alongside transfer options for everyday planning. Customers review how savings fit daily needs before choosing this careful approach.
How does moving money work with Chime?+
Chime supports ACH transfers alongside savings for straightforward organisation. Customers arrange transfers through digital routes and track balances in the same place. Customers review transfer needs and savings habits before choosing this setup.
Lunar
How much does it cost to keep a Lunar account?+
The monthly fee is DKK 0, so there is no charge for keeping the account open. The costs sit on money moving: currency conversion costs 0% to 1%, outgoing transfers carry a small fixed fee, and transfers in SEK, NOK and EUR are free while other currencies cost more. Non-DKK transfers also attract an exchange fee.
Is my money safe and who regulates the bank?+
Deposits are covered by the EU deposit guarantee scheme, with protection of EU DGS up to EUR 100,000. The account comes from Lunar Bank A/S, a bank based in Denmark that is supervised by the Danish Financial Supervisory Authority. The scheme behind it is the same one that backs deposits at other European banks.
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Chime
Lunar