Updated September 29, 2026 · VaultCue Editorial Team
Lunar vs Vivid Money
Lunar
Vivid Money
Higher score in this comparison
Lunar vs Vivid Money: the differences
| Compare | LunarReviewSee alternativesSee alternatives | Vivid MoneyReviewSee alternativesSee alternatives |
|---|---|---|
| Headline rate | 0.25% to 1% | 3%Higher |
| Rate type | Variable | Fixed |
| Access terms | Withdraw anytime; interest paid monthly on all current accounts | Instant access |
| Monthly fee | DKK 0 | €0 |
| Minimum deposit | Not confirmed | €0.010 |
| Regulators | Not confirmed | Commission de Surveillance du Secteur Financier (CSSF), Dutch Authority for Financial Markets (AFM), Netherlands Authority for the Financial Markets (AFM) |
Same on both: Deposit protection (EU DGS up to EUR 100,000), Account kind (Easy access).
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Key differences
- Vivid Money scores higher overall: 8.8 vs 8.7.
- Founded is lower at Lunar: 2015 vs 2019.
- Vivid Money is licensed in 1 more country.
- Headline rate is higher at Vivid Money: 3% vs 0.25% to 1%.
- Support channels: only Lunar offers Email.
Our verdict on each
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.
Vivid Money
Vivid Money suits people who want everyday spending plus savings in the same app without monthly upkeep, with the standard plan priced at €0 a month. Cash stays within instant access pockets that suit flexible savers who also move money across currencies for travel or daily life abroad.
Score breakdown
| Area | Lunar | Vivid Money |
|---|---|---|
| Cost | 9.1Monthly fee of DKK 0, but a free ATM allowance of DKK 0 and currency conversion at 0% to 1%. | 9.2HigherConversion priced at 0.25% keeps cross currency spend modest versus broader market levels |
| Offer | 8.7 | 9.1HigherInterest pocket pays 3% on instant access balances with low entry threshold |
| Trust | 8.5Higher | 8.3Eligible balances covered by EU DGS up to EUR 100,000 with licensed EU supervision |
Positions in our rankings
| Ranking | Lunar | Vivid Money |
|---|---|---|
| Savings accounts | 519 of 1420 | 496 of 1420 |
| Online banks | 164 of 402 | 155 of 402 |
Licences and countries
| Country | Lunar | Vivid Money |
|---|---|---|
| Denmark | Not confirmed | |
| Luxembourg | Not confirmed | |
| Netherlands | Not confirmed |
What we checked
Lunar
- lunar.app: 11 facts, checked September 26, 2026
Vivid Money
- vivid.money: 11 facts, checked September 29, 2026
- esma.europa.eu: 2 facts, checked September 28, 2026
Every fact side by side
| Fact | Lunar | Vivid Money |
|---|---|---|
| Pricing model | No monthly fee | No monthly fee |
| Legal entity | Lunar Bank A/S | Vivid Money B.V. |
| Headquarters | Denmark | Netherlands |
| Founded | 2015Lower | 2019 |
| Support channels | Email, Chat, Help centreCovers more | Chat, Help centre |
Everyday accounts
| Fact | Lunar | Vivid Money |
|---|---|---|
| Currency conversion fee | 0% to 1%Lower | 0.25% |
| Currencies | Not confirmed | 22 |
| Audience | Expats, Student, Teen | Not confirmed |
| Features | Free ATM, Joint account, Digital onlyCovers more | Digital only |
| Local account details | IBAN | IBAN |
| Free ATM withdrawals | DKK 0 | Not confirmed |
| Transfer fee | 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 | Free |
Where each stands against the rest
| Fact | Lunar | Vivid Money | Median |
|---|---|---|---|
| Headline rate | 0.25% to 1%lowest quarter | 3%below the median | 3.25 |
| Minimum deposit | Not confirmed | €0.010below the median | €1 |
Median across 658 listed accounts.
Pros and cons
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.
Vivid Money
Pros
- Transfers cost free, which keeps routine euro moves easy to budget
- Supports 22 currencies and issues IBAN for getting paid across borders
- Savings start from €0.01 with withdrawals under Instant access for flexible access
Cons
- Support runs on chat and help centre only, so callers must use chat or articles
- Account is digital only through digital only, with no branch option for cash service
Who each suits
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.
Vivid Money
Who it suits
- Travellers and expats holding balances across currencies
- Flexible savers wanting instant access pockets in the same app
- App led users happy with chat based service
Who should look elsewhere
- Consider bunq if conversion cost matters most and you want to compare against 3%
- Consider Bit2Me if crypto linked services matter and you want to compare against 0.95%
- Consider eToro if trading features matter and you want to compare upkeep against £0
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 | Lunar | Vivid Money |
|---|---|---|
| Denmark | Yes | No |
| Sweden | Yes | No |
Questions about each
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.
Vivid Money
What does Vivid Money charge for the account+
The standard plan is priced at €0 a month, which keeps upkeep predictable for everyday use. Transfers are listed at free, while currency conversion is listed at 0.25% for cross currency moves.
How many currencies can you hold+
Vivid Money supports 22 currencies, which helps if you hold balances for travel or pay across borders. Local euro details come through IBAN, making it easier to receive salary or transfers within the region.
Other options to compare
Other matchups
Related by the facts
Lunar
Vivid Money