Lunar
Pros
- Full Nordic banking licence with deposit protection
- Savings, investing and crypto in one app
- Strong coverage across Denmark, Sweden and Norway
Cons
- Focused on the Nordic region only
- Premium features sit behind paid tiers
Neobank comparison
Lunar vs Vivid Money
Compare Lunar and Vivid Money side by side: fees, regulation, platforms.
Lunar
Best for the Nordics
Lunar is the standout licensed neobank for the Nordics, folding savings, investing and crypto into a single r…
VS
Vivid Money
Best for cashback and investing
Vivid bundles spending cashback, savings interest and commission-light investing into one account, which make…
Head-to-head comparison
| Feature | Lunar | Vivid Money |
|---|---|---|
| Monthly fee | Free | Free |
| FX markup | 0% | 0% |
| Savings APY | 2.50% | 3.50% |
| Currencies | 4 | 40 |
| Card network | Mastercard | Visa |
| Deposit protection | Nordic deposit guarantee up to 100,000 EUR | DGS up to 100,000 EUR via Solarisbank |
| Regulators | - | - |
| Best for | Best for the Nordics | Best for cashback and investing |
| Markets & account | ||
Pros & cons
Vivid Money
Pros
- Cashback on everyday spending plus in-app investing
- Multi-currency pockets with interest
- Backed by a licensed partner bank with EU deposit cover
Cons
- E-money model relying on its partner bank for protection
- Best perks sit behind the paid Prime plan
Lunar
Lunar is the standout licensed neobank for the Nordics, folding savings, investing and crypto into a single regulated app.
Confirm current fees and rates on the provider's site. T&Cs apply.
Vivid Money
Vivid bundles spending cashback, savings interest and commission-light investing into one account, which makes it a strong second card for EU spenders chasing rewards.
Confirm current fees and rates on the provider's site. T&Cs apply.
Not the right match?
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