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Updated September 28, 2026 · VaultCue Editorial Team

Current vs Lunar

Current scores 8.9 and Lunar 8.7 out of 10. Compare their differences and shared features below.
Current

Current

Higher score in this comparison

8.9/10
Visit
Lunar

Lunar

8.7/10
See alternatives

Where Current and Lunar differ

Current vs Lunar
CompareCurrentCurrentReviewVisitVisitLunarLunarReviewSee alternativesSee alternatives
Headline rate0.25% to 4%Higher0.25% to 1%
Deposit protectionFDIC up to USD 250,000EU DGS up to EUR 100,000
Access termsSavings Pods accessible on demand in the mobile app, no notice period, up to three podsWithdraw anytime; interest paid monthly on all current accounts
Monthly fee$0DKK 0
Minimum deposit$0.010Not confirmed

Same on both: Rate type (Variable), Account kind (Easy access).

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Key differences

  • Current scores higher overall: 8.9 vs 8.7.
  • Lunar is available in 1 more country.
  • Headline rate is higher at Current: 0.25% to 4% vs 0.25% to 1%.

Our verdict on each

Current

Current is a set-aside account for a teen in the US who wants a pot they can reach from the phone. The minimum deposit is $0.01 and the variable rate runs 0.25% to 4%, so the pay on savings can move as the provider adjusts it.

Read the full Current review

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.

Read the full Lunar review

Score breakdown

Current vs Lunar
AreaCurrentLunar
Cost9.1Monthly fees on the easy-access account run at $0, transfers cost $0 - no bank transfer fees and conversion 3%.9.1Monthly fee of DKK 0, but a free ATM allowance of DKK 0 and currency conversion at 0% to 1%.
Offer8.78.7
TrustNot confirmed8.5

Positions in our rankings

Current vs Lunar
RankingCurrentLunar
Savings accounts27 of 1420519 of 1420
Student, teen and kids accounts7 of 273158 of 273
Online banks10 of 402164 of 402

A third option

Finom has headline rate at 5%, against 0.25% to 4% for Current and 0.25% to 1% for Lunar.

Finom review

Sources behind this comparison

Current

  • current.com: 11 facts, checked September 26, 2026

Lunar

  • lunar.app: 11 facts, checked September 26, 2026

Every fact side by side

Current vs Lunar
FactCurrentLunar
Pricing modelNo monthly feeNo monthly fee
Legal entityFinco Services, Inc. dba CurrentLunar Bank A/S
HeadquartersUnited StatesDenmark
FoundedNot confirmed2015
Support channelsChat, Email, Help centreEmail, Chat, Help centre

Everyday accounts

Current vs Lunar
FactCurrentLunar
Currency conversion fee3%0% to 1%Lower
AudienceTeenExpats, Student, TeenCovers more
FeaturesFree ATM, Digital only, No credit checkFree ATM, Joint account, Digital only
Local account detailsUs ACHIBAN
Free ATM withdrawals$0DKK 0
Transfer fee$0 - no bank transfer feesOutgoing 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

Current vs Lunar
FactCurrentLunarMedian
Headline rate0.25% to 4%above the median0.25% to 1%lowest quarter3.25
Minimum deposit$0.010above the medianNot confirmed$0

Median across 658 listed accounts.

Pros and cons

Current

Pros

  • Deposits are covered by FDIC up to USD 250,000, which is the detail a new saver should check.
  • The stated audience is teen, and the account kind is easy access.
  • Pods open on demand in the mobile app with no notice period, so a set-aside stays flexible.

Cons

  • The 0.25% to 4% range has a low floor, so a pod can earn very little for stretches.
  • Support runs on chat, email and help centre, so there is no phone line for urgent questions.
  • Currency conversion costs 3%, which makes it a weak base for holding travel money.

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

Current

Who it suits

  • A teen in the US starting to set money aside, since the stated audience is teen.
  • Anyone happy to manage saving in the app, since pods run on demand with no notice period.
  • US savers paid in dollars, with transfers moving over us ach.

Who should look elsewhere

  • Plazo ES, whose headline rate of 24.19% sits well above the 0.25% to 4% range here.
  • AXI Card Tarjeta y Credito, listed at 21.59% if a higher headline number is the goal.
  • PayPal Colombia, listed at 3.3%, for anyone shopping only on the headline rate.

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

Current

Current offer

  • Bonus

    1% cash back on eligible Build Card purchases: 1% cash back

    To earn Points you must receive at least one Eligible Payroll Deposit of at least $200 over a 35-day period and make Build Card purchases at retailers whose merchant code is in the selected categories in the app; points expire 365 days after they settle

    Source, checked September 26, 2026

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

Current vs Lunar
CountryCurrentLunar
DenmarkNoYes
SwedenNoYes
United StatesYesNo

Questions about each

Current

What does it cost to run a Current account?+

The monthly fee is $0 and the model is no monthly fee, so there is no standing charge to watch. Bank transfers are listed as $0 - no bank transfer fees. The cost that does apply is currency conversion at 3%, which matters if money is held or spent in another currency.

How do I move money in and out?+

Transfers run over us ach, so money moves through the US system. Bank transfers carry $0 - no bank transfer fees, and the minimum deposit is $0.01, so a small transfer is enough to open a pod and add to it later.

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.

Other options to compare

Current

Visit

Lunar

See alternatives