Lunar vs Finom.
Lunar (L79/100) and Finom (F64/100), 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 Finom 7-1.
| F Finom №45 · DNB 64 /100 | L Lunar №06 · Finanstilsynet 79 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 64 /100 | 79 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 0.70% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | E-money inst. DNB | Full bank Finanstilsynet |
| Deposit guarantee Per depositor | Safeguarded EU.DGS.NL | €100,000 EU.DGS.DK |
| Reach | ||
| Markets served Licensed jurisdictions | 7 countries | 3 countries |
| Crypto Coins available | No | Yes |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | 4.5 ★ 8k reviews | 4.6 ★ 22k reviews |
| App store iOS + Android avg | 4.5 ★ iOS 4.6 · And 4.5 | 4.6 ★ iOS 4.7 · And 4.4 |
| Read review → | Read review → | |
Pick Finom if…
The EU SMB-focused EMI platform that solves the multi-country invoicing-plus-accounting-integration problem better than Qonto, Wise Business, and Revolut Business — local IBAN issuance across NL/DE/FR/IT/ES/PL plus native DATEV / Lexoffice (Germany) and Pennylane (France) integrations is the workflow win for SMBs operating across multiple EU markets. The freelancer-plus-SMB onboarding is structurally paved across entity types (sole trader, GmbH, SARL, BV, SAS, Sp. z o.o., S.R.L.), making Finom the structural fit for German freelancers and EU operators who need country-specific local IBANs without running multiple bank relationships.
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 Tied
- Best for ux Lunar won 2 of 2
Lunar vs Finom — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Finom better than Lunar?
Under our v3 methodology, Lunar leads Finom 7–1 across 12 dimensions. Composite scores: Finom 64/100 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 Finom or Lunar cheaper?
Monthly fee — Finom: €0; Lunar: €0. Card FX markup — Finom: 0.70%; 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, Finom or Lunar?
Finom holds a E-money inst. licence under DNB; 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 Finom and Lunar?
Finom operates in 7 countries; 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.