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 ZEN
Compare Lunar and ZEN 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
ZEN
Best for cross-border shoppers
ZEN leans into rewards and multi-currency spending for cross-border shoppers, with a money-back guarantee tha…
Head-to-head comparison
| Feature | Lunar | ZEN |
|---|---|---|
| Monthly fee | Free | Free |
| FX markup | 0% | 0% |
| Savings APY | 2.50% | - |
| Currencies | 4 | 32 |
| Card network | Mastercard | Mastercard |
| Deposit protection | Nordic deposit guarantee up to 100,000 EUR | Safeguarded (Lithuanian EMI licence) |
| Regulators | - | - |
| Best for | Best for the Nordics | Best for cross-border shoppers |
| Markets & account | ||
Pros & cons
ZEN
Pros
- Purchase money-back rewards on card spending
- Holds and converts 30+ currencies
- Quick onboarding for shoppers and small businesses
Cons
- Safeguarded e-money rather than a banking licence
- No in-app savings interest
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.
ZEN
ZEN leans into rewards and multi-currency spending for cross-border shoppers, with a money-back guarantee that few rivals match.
Confirm current fees and rates on the provider's site. T&Cs apply.
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