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 Wise
Compare Lunar and Wise 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
Wise
Best for multi-currency and FX
Wise is the benchmark for cross-border money: the lowest published FX markup we track and genuine local accou…
Head-to-head comparison
| Feature | Lunar | Wise |
|---|---|---|
| Monthly fee | Free | Free |
| FX markup | 0% | 0.43% |
| Savings APY | 2.50% | 3.39% |
| Currencies | 4 | 40 |
| Card network | Mastercard | Mastercard |
| Deposit protection | Nordic deposit guarantee up to 100,000 EUR | Safeguarded (FCA-authorised e-money) |
| Regulators | - | - |
| Best for | Best for the Nordics | Best for multi-currency and FX |
| Markets & account | ||
Pros & cons
Wise
Pros
- Mid-market exchange rate with a transparent, low FX fee
- Real local account details in 9+ currencies
- Holds and converts 40+ currencies in one balance
Cons
- Safeguarded e-money, not deposit-guarantee protected
- No physical branch or overdraft
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.
Wise
Wise is the benchmark for cross-border money: the lowest published FX markup we track and genuine local account details make it the account to hold foreign currency in.
Confirm current fees and rates on the provider's site. T&Cs apply.
Not the right match?
Line up any two accounts side by side, or browse the full list to find your next platform.