Lunar vs Qonto.
Lunar (L79/100) and Qonto (Q51/100), 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 Qonto 7-2.
| L Lunar №06 · Finanstilsynet 79 /100 | Q Qonto №70 · Payment institution license 51 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 79 /100 | 51 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €9 /mo |
| FX markup Debit card abroad | Interbank | 1.70% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank Finanstilsynet | Payment inst. |
| Deposit guarantee Per depositor | €100,000 EU.DGS.DK | Safeguarded EU.DGS.FR |
| Reach | ||
| Markets served Licensed jurisdictions | 3 countries | 8 countries |
| Crypto Coins available | Yes | No |
| Stocks & ETFs Self-directed | Yes | No |
| UX | ||
| Trustpilot Customer score | 4.6 ★ 22k reviews | 4.8 ★ 50k reviews |
| App store iOS + Android avg | 4.6 ★ iOS 4.7 · And 4.4 | 4.5 ★ iOS 4.8 · And 4.3 |
| Read review → | Read review → | |
Pick Lunar if…
Pick if you live in the Nordics and want a local credit institution with native commission-free brokerage.
Pick Qonto if…
Pick if you run an EU SME and need multi-currency invoicing, accounting integrations, and proper receipts.
- Best for fees Lunar won 2 of 4
- Best for protection Lunar won 2 of 2
- Best for reach Tied
- Best for ux Tied
Lunar vs Qonto — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Lunar better than Qonto?
Under our v3 methodology, Lunar leads Qonto 7–2 across 12 dimensions. Composite scores: Lunar 79/100 vs Qonto 51/100. Lunar is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Lunar or Qonto cheaper?
Monthly fee — Lunar: €0; Qonto: €9. Card FX markup — Lunar: Interbank; Qonto: 1.70%. Lunar wins more fee rows (2 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Lunar or Qonto?
Lunar holds a Full bank licence under Finanstilsynet; deposit guarantee per depositor: €100,000. Qonto holds a Payment inst. licence under Payment institution license (France, 2018); EU passport across served markets; filed for full French banking license in July 2025; deposit guarantee per depositor: Safeguarded. Lunar is the stronger pick on regulatory protection.
Where can I use Lunar and Qonto?
Lunar operates in 3 countries; Qonto operates in 8 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.