Lunar vs GoTyme.
Lunar (L79/100) and GoTyme (G52/100), 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 GoTyme 7-1.
| G GoTyme №65 · BSP 52 /100 | L Lunar №06 · Finanstilsynet 79 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 52 /100 | 79 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 1.50% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Payment inst. BSP | Full bank Finanstilsynet |
| Deposit guarantee Per depositor | Safeguarded PH.PDIC | €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 | — | 4.6 ★ 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 GoTyme if…
Joint venture between Tyme Group (South African digital-bank operator) and JG Summit Holdings (PH conglomerate). Fastest-growing PH neobank — ~6M customers in <4 years. Instant in-mall card-issuance via Robinsons Retail kiosks is a structural differentiator.
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 2 of 3
- Best for ux Tied
Lunar vs GoTyme — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is GoTyme better than Lunar?
Under our v3 methodology, Lunar leads GoTyme 7–1 across 12 dimensions. Composite scores: GoTyme 52/100 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 GoTyme or Lunar cheaper?
Monthly fee — GoTyme: €0; Lunar: €0. Card FX markup — GoTyme: 1.50%; 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, GoTyme or Lunar?
GoTyme holds a Payment inst. licence under BSP; 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 GoTyme and Lunar?
GoTyme 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.