Lunar vs Chipper Cash.
Lunar (L79/100) and Chipper Cash (C62/100), 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 Chipper Cash 6-2.
| C Chipper Cash №48 · FCA 62 /100 | L Lunar №06 · Finanstilsynet 79 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 62 /100 | 79 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 1.00% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | E-money inst. FCA | Full bank Finanstilsynet |
| Deposit guarantee Per depositor | Safeguarded NG.NDIC | €100,000 EU.DGS.DK |
| Reach | ||
| Markets served Licensed jurisdictions | 9 countries | 3 countries |
| Crypto Coins available | 5 coins | Yes |
| Stocks & ETFs Self-directed | Yes | Yes |
| UX | ||
| Trustpilot Customer score | — | 4.6 ★ 22k reviews |
| App store iOS + Android avg | 4.5 ★ iOS 4.4 · And 4.5 | 4.6 ★ iOS 4.7 · And 4.4 |
| Read review → | Read review → | |
Pick Chipper Cash if…
Pan-African EMI — operates in 9+ African countries + UK + US. Multi-jurisdiction licensing means no single full-bank protection. ~5M users. Backed by Bezos Expeditions, Tiger Global. Anchors the pan-African angle alongside Mukuru.
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 Chipper Cash won 2 of 3
- Best for ux Lunar won 2 of 2
Lunar vs Chipper Cash — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Chipper Cash better than Lunar?
Under our v3 methodology, Lunar leads Chipper Cash 6–2 across 12 dimensions. Composite scores: Chipper Cash 62/100 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 Chipper Cash or Lunar cheaper?
Monthly fee — Chipper Cash: €0; Lunar: €0. Card FX markup — Chipper Cash: 1.00%; 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, Chipper Cash or Lunar?
Chipper Cash holds a E-money inst. licence under FCA; 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 Chipper Cash and Lunar?
Chipper Cash operates in 9 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.