Updated September 28, 2026 · VaultCue Editorial Team
Lunar vs ZEN.COM
Lunar
ZEN.COM
Higher score in this comparison
What sets them apart
| Compare | LunarReviewSee alternativesSee alternatives | ZEN.COMReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | DKK 0 | €0 |
| Currency conversion fee | 0% to 1% | 0% |
| Free ATM withdrawals | DKK 0 | €0 |
| 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 | Currently free (standard fee 0.25 EUR) |
| Currencies | Not confirmed | 35 |
Same on both: Deposit protection (EU DGS up to EUR 100,000), Local account details (IBAN).
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Key differences
- ZEN.COM scores higher overall: 9.3 vs 8.7.
- ZEN.COM is licensed in 2 more countries.
- ZEN.COM is available in 30 more countries.
- Audience: only Lunar offers Student, Teen.
- Audience: only ZEN.COM offers Travelers.
- Pricing model: only ZEN.COM offers Low FX.
- Features: only Lunar offers Joint account, Digital only.
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.
ZEN.COM
ZEN.COM suits expats and travellers who want a euro account that spends across borders without a monthly charge. Currency conversion runs at 0% and the monthly fee is €0, so the saving sits in how often you change money rather than in account upkeep. EU deposits sit under EU DGS up to EUR 100,000.
Score breakdown
| Area | Lunar | ZEN.COM |
|---|---|---|
| Cost | 9.1Monthly fee of DKK 0, but a free ATM allowance of DKK 0 and currency conversion at 0% to 1%. | 9.4HigherMonthly fee of €0, currency conversion fee of 0% and transfer fees of Currently free (standard fee 0.25 EUR). |
| Offer | 8.7 | 9.2HigherHolds 35 currencies, hands out local IBANs and pays a free ATM allowance of €0. |
| Trust | 8.5 | Not confirmed |
Spending 1,000 abroad
Lunar
0 to 10
0% to 1% of 1,000
ZEN.COM
0
0% of 1,000
Both come to the same total.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Where each is licensed and available
| Country | Lunar | ZEN.COM |
|---|---|---|
| Denmark | Not confirmed | |
| Lithuania | Not confirmed | Bank of Lithuania LB000457 |
| Singapore | Not confirmed | |
| United Kingdom | Not confirmed | Financial Conduct Authority 1000019 |
Available in 2 countries for both. Additional countries for ZEN.COM: 30.
Where these facts come from
Lunar
- lunar.app: 9 facts, checked September 26, 2026
- static-assets.prod.lunarway.com: 3 facts, checked September 26, 2026
- support.lunar.app: 1 fact, checked September 26, 2026
ZEN.COM
- ask.zen.com: 7 facts, checked September 26, 2026
- zen.com: 6 facts, checked September 26, 2026
Every fact side by side
| Fact | Lunar | ZEN.COM |
|---|---|---|
| Audience | Expats, Student, Teen | Expats, Travelers |
| Pricing model | No monthly fee | No monthly fee, Low FXCovers more |
| Features | Free ATM, Joint account, Digital onlyCovers more | Free ATM |
| Legal entity | Lunar Bank A/S | UAB ZEN.COM |
| Headquarters | Denmark | Lithuania |
| Founded | 2015 | Not confirmed |
| Support channels | Email, Chat, Help centre | Email, Chat, Help centre |
Where each stands against the rest
| Fact | Lunar | ZEN.COM | Median |
|---|---|---|---|
| Currency conversion fee | 0% to 1%below the median | 0%below the median | 0.5 |
| Currencies | Not confirmed | 35highest quarter | 5 |
Median across 536 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.
ZEN.COM
Pros
- Monthly fee of €0 keeps the account free to hold
- Currency conversion fee of 0% beats the 0.5% site median
- Local account details in the form of iban let you get paid like a local
Cons
- Support runs on email, chat and help centre only, with no phone line
- Standard transfer fee is higher than the current free transfer, at Currently free (standard fee 0.25 EUR)
- Currencies count of 35 trails brands near the top of our multi-currency list
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.
ZEN.COM
Who it suits
- Expats and travellers named as the audience for the account
- Anyone paid in euros who wants local account details
- People who change currency often and mind conversion cost more than the account type
Who should look elsewhere
- Skrill, if you compare conversion cost and its fee sits well above the site median of 0.5%
- eToro, if you want a broader account rather than a euro card first
- PayPal Colombia, if you need local details outside the euro area rather than iban
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
ZEN.COM
Current offer
Free trial
Try ZEN.COM free for 30 days: 30 days free
Source, checked September 26, 2026
Country by country
| Country | Lunar | ZEN.COM |
|---|---|---|
| Austria | No | Yes |
| Belgium | No | Yes |
| Bulgaria | No | Yes |
| Croatia | No | Yes |
| Cyprus | No | Yes |
| Czechia | No | Yes |
| Estonia | No | Yes |
| Finland | No | Yes |
8 of 32 countries where either is available.
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.
ZEN.COM
What does ZEN.COM cost to keep open?+
The monthly fee is €0, so holding the account costs nothing. That sits at the site median of €0 and matches the pattern across our listings, where most free accounts cluster at the lower quartile of €0.
How much does it cost to change currency?+
The currency conversion fee is 0%, which ranks ZEN.COM at 1 of 312 brands. For comparison, the site median is 0.5% and the upper quartile reaches 2.08%, so most rivals charge more.
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Lunar
ZEN.COM