Lunar vs Chime.
Lunar (L79/100) and Chime (C74/100), 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 Chime 5-2.
| C Chime №23 · FDIC 74 /100 | L Lunar №06 · Finanstilsynet 79 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 74 /100 | 79 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | Interbank | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Partner-bank FDIC | Full bank Finanstilsynet |
| Deposit guarantee Per depositor | $250,000 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 | No | Yes |
| UX | ||
| Trustpilot Customer score | 4.0 ★ 25k reviews | 4.6 ★ 22k reviews |
| App store iOS + Android avg | 4.8 ★ iOS 4.8 · And 4.7 | 4.6 ★ iOS 4.7 · And 4.4 |
| Read review → | Read review → | |
Pick Chime if…
Pick if you want a fee-free US daily-banking account with FDIC pass-through coverage and 60k fee-free ATMs.
Pick Lunar if…
Pick if you live in the Nordics and want a local credit institution with native commission-free brokerage.
- Best for fees Tied
- Best for protection Tied
- Best for reach Lunar won 2 of 3
- Best for ux Tied
Lunar vs Chime — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Chime better than Lunar?
Under our v3 methodology, Lunar leads Chime 5–2 across 12 dimensions. Composite scores: Chime 74/100 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 Chime or Lunar cheaper?
Monthly fee — Chime: €0; Lunar: €0. Card FX markup — Chime: Interbank; Lunar: Interbank. Tied across fee rows. See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Chime or Lunar?
Chime holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. Lunar holds a Full bank licence under Finanstilsynet; deposit guarantee per depositor: €100,000. Both score equally on regulatory protection rows.
Where can I use Chime and Lunar?
Chime 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.