Lunar vs Wise.
Lunar (L79/100) and Wise (W68/100), 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 Wise 5-2.
| L Lunar №06 · Finanstilsynet 79 /100 | W Wise №43 · FCA 68 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 79 /100 | 68 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 /mo |
| FX markup Debit card abroad | Interbank | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | €200 /mo |
| Protection | ||
| Banking licence Tier | Full bank Finanstilsynet | E-money inst. FCA |
| Deposit guarantee Per depositor | €100,000 EU.DGS.DK | Safeguarded GB.FSCS |
| Reach | ||
| Markets served Licensed jurisdictions | 3 countries | 160 countries |
| Crypto Coins available | Yes | No |
| Stocks & ETFs Self-directed | Yes | Yes |
| UX | ||
| Trustpilot Customer score | 4.6 ★ 22k reviews | 4.3 ★ 220k reviews |
| App store iOS + Android avg | 4.6 ★ iOS 4.7 · And 4.4 | 4.5 ★ iOS 4.7 · And 4.2 |
| 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 Wise if…
Pick if FX and multi-currency receiving accounts dominate your usage — not for stocks or crypto.
- Best for fees Wise won 1 of 4
- Best for protection Lunar won 2 of 2
- Best for reach Wise won 1 of 3
- Best for ux Lunar won 2 of 2
Lunar vs Wise — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Lunar better than Wise?
Under our v3 methodology, Lunar leads Wise 5–2 across 12 dimensions. Composite scores: Lunar 79/100 vs Wise 68/100. 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 Wise cheaper?
Monthly fee — Lunar: €0; Wise: €0. Card FX markup — Lunar: Interbank; Wise: Interbank. Wise 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 Wise?
Lunar holds a Full bank licence under Finanstilsynet; deposit guarantee per depositor: €100,000. Wise holds a E-money inst. licence under FCA; deposit guarantee per depositor: Safeguarded. Lunar is the stronger pick on regulatory protection.
Where can I use Lunar and Wise?
Lunar operates in 3 countries; Wise operates in 160 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.