Lunar vs Sony Bank.
Lunar (L79/100) and Sony Bank (S69/100), 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 Sony Bank 6-0.
| L Lunar №06 · Finanstilsynet 79 /100 | S Sony Bank №41 · JFSA 69 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 79 /100 | 69 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | Interbank | 0.15% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank Finanstilsynet | Full bank JFSA |
| Deposit guarantee Per depositor | €100,000 EU.DGS.DK | Safeguarded No DGS |
| Reach | ||
| Markets served Licensed jurisdictions | 3 countries | 1 country |
| Crypto Coins available | Yes | No |
| Stocks & ETFs Self-directed | Yes | Yes |
| UX | ||
| Trustpilot Customer score | 4.6 ★ 22k reviews | — |
| App store iOS + Android avg | 4.6 ★ iOS 4.7 · And 4.4 | 4.1 ★ iOS 4.2 · And 4.0 |
| 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 Sony Bank if…
Japan's longest-running internet-only bank (operational since June 2001) — predates Rakuten Bank's eBank acquisition and tied with SBI Sumishin for first-net-bank tenure. The structural specificity is multi-currency forex strength: foreign-currency deposit accounts in 12+ currencies plus retail FX margin trading, the deepest retail-FX product among Japanese chartered net banks. Wholly-owned subsidiary of Sony Financial Group, in turn part of Sony Group Corporation (TYO: 6758). Sony Bank ≠ Sony Pay / Sony Mobile Wallet — the bank holds a full Banking Act licence, the wallet brands do not.
- Best for fees Lunar won 1 of 4
- Best for protection Lunar won 1 of 2
- Best for reach Lunar won 1 of 3
- Best for ux Lunar won 2 of 2
Lunar vs Sony Bank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Lunar better than Sony Bank?
Under our v3 methodology, Lunar leads Sony Bank 6–0 across 12 dimensions. Composite scores: Lunar 79/100 vs Sony Bank 69/100. 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 Sony Bank cheaper?
Monthly fee — Lunar: €0; Sony Bank: €0. Card FX markup — Lunar: Interbank; Sony Bank: 0.15%. 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 Sony Bank?
Lunar holds a Full bank licence under Finanstilsynet; deposit guarantee per depositor: €100,000. Sony Bank holds a Full bank licence under JFSA; deposit guarantee per depositor: Safeguarded. Lunar is the stronger pick on regulatory protection.
Where can I use Lunar and Sony Bank?
Lunar operates in 3 countries; Sony Bank operates in 1 country. 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.