Lunar vs Ally Bank.
Lunar (L79/100) and Ally Bank (A58/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Lunar leads Ally Bank 6-1.
| A Ally Bank №55 · OCC 58 /100 | L Lunar №06 · Finanstilsynet 79 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 58 /100 | 79 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 1.00% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Payment inst. OCC | Full bank Finanstilsynet |
| Deposit guarantee Per depositor | Safeguarded US.FDIC | €100,000 EU.DGS.DK |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 3 countries |
| Crypto Coins available | No | Yes |
| Stocks & ETFs Self-directed | Yes | Yes |
| UX | ||
| Trustpilot Customer score | — | 4.6 ★ 22k reviews |
| App store iOS + Android avg | 4.7 ★ iOS 4.7 · And 4.6 | 4.6 ★ iOS 4.7 · And 4.4 |
| Read review → | Read review → | |
Pick Ally Bank if…
OCC-chartered direct bank, NYSE-listed (ALLY). One of the original US online-only banks (continuous since 2009). Best-in-class US savings APY among national banks; FDIC pass-through is direct, not partner-bank. The grown-up alternative to Chime/Cash App for depositors who want chartered-bank cover.
Pick Lunar if…
Pick if you live in the Nordics and want a local credit institution with native commission-free brokerage.
- Best for fees Lunar won 1 of 4
- Best for protection Lunar won 2 of 2
- Best for reach Lunar won 1 of 3
- Best for ux Tied
Lunar vs Ally Bank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Ally Bank better than Lunar?
Under our v3 methodology, Lunar leads Ally Bank 6–1 across 12 dimensions. Composite scores: Ally Bank 58/100 vs Lunar 79/100. Lunar is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Ally Bank or Lunar cheaper?
Monthly fee — Ally Bank: €0; Lunar: €0. Card FX markup — Ally Bank: 1.00%; Lunar: Interbank. Lunar wins more fee rows (1 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Ally Bank or Lunar?
Ally Bank holds a Payment inst. licence under OCC; deposit guarantee per depositor: Safeguarded. Lunar holds a Full bank licence under Finanstilsynet; deposit guarantee per depositor: €100,000. Lunar is the stronger pick on regulatory protection.
Where can I use Ally Bank and Lunar?
Ally Bank operates in 1 country; Lunar operates in 3 countries. Check each provider's signup page for the live country list — eligibility depends on residency, not just the licence footprint.
Want a 3- or 4-way comparison?
The dynamic compare picker handles up to four banks. Add this pair plus one or two more and we'll resolve every row.