Lunar vs Ualá.
Lunar (L79/100) and Ualá (U49/100), 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 Ualá 6-1.
| L Lunar №06 · Finanstilsynet 79 /100 | U Ualá №81 · BCRA 49 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 79 /100 | 49 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | Interbank | 4.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank Finanstilsynet | Payment inst. BCRA |
| Deposit guarantee Per depositor | €100,000 EU.DGS.DK | Safeguarded AR.SEDESA |
| Reach | ||
| Markets served Licensed jurisdictions | 3 countries | 3 countries |
| Crypto Coins available | Yes | 6 coins |
| Stocks & ETFs Self-directed | Yes | Yes |
| UX | ||
| Trustpilot Customer score | 4.6 ★ 22k reviews | 2.4 ★ 5k reviews |
| App store iOS + Android avg | 4.6 ★ iOS 4.7 · And 4.4 | 4.5 ★ iOS 4.6 · And 4.5 |
| 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 Ualá if…
The default Argentine fintech card (~9M users in AR). Wilobank acquisition (2022) gave Ualá a full Argentine banking licence — converts the wallet to a chartered bank for AR depositors. Mexican + Colombian expansions via local subsidiaries. Argentine inflation-hedge yield (Rendimientos) is a near-mandatory product for ARS holders.
- Best for fees Lunar won 1 of 4
- Best for protection Lunar won 2 of 2
- Best for reach Ualá won 1 of 3
- Best for ux Lunar won 2 of 2
Lunar vs Ualá — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Lunar better than Ualá?
Under our v3 methodology, Lunar leads Ualá 6–1 across 12 dimensions. Composite scores: Lunar 79/100 vs Ualá 49/100. 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 Ualá cheaper?
Monthly fee — Lunar: €0; Ualá: €0. Card FX markup — Lunar: Interbank; Ualá: 4.00%. 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, Lunar or Ualá?
Lunar holds a Full bank licence under Finanstilsynet; deposit guarantee per depositor: €100,000. Ualá holds a Payment inst. licence under BCRA; deposit guarantee per depositor: Safeguarded. Lunar is the stronger pick on regulatory protection.
Where can I use Lunar and Ualá?
Lunar operates in 3 countries; Ualá 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.