Lunar vs Statrys.
Lunar (L79/100) and Statrys (S43/100), 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 Statrys 9-0.
| L Lunar №06 · Finanstilsynet 79 /100 | S Statrys №86 · Statrys Limited holds a Hong Kong Monetary Authority 43 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 79 /100 | 43 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €88 /mo |
| FX markup Debit card abroad | Interbank | 0.50% |
| 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 No DGS |
| Reach | ||
| Markets served Licensed jurisdictions | 3 countries | 1 country |
| Crypto Coins available | Yes | No |
| Stocks & ETFs Self-directed | Yes | No |
| UX | ||
| Trustpilot Customer score | 4.6 ★ 22k reviews | 4.4 ★ 1k reviews |
| App store iOS + Android avg | 4.6 ★ iOS 4.7 · And 4.4 | 4.4 ★ iOS 4.5 · 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 Statrys if…
The HK-primary SMB neobank with the deepest cross-Asia payment-corridor depth in the SMB category. USD-HKD and USD-CNY FX are structurally competitive, and the HK business-registration onboarding clears faster than DBS / HSBC HK Business for the typical SMB. HKMA-licensed MSO — funds safeguarded but NOT DPS deposit-insured.
- Best for fees Lunar won 2 of 4
- Best for protection Lunar won 2 of 2
- Best for reach Lunar won 2 of 3
- Best for ux Lunar won 2 of 2
Lunar vs Statrys — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Lunar better than Statrys?
Under our v3 methodology, Lunar leads Statrys 9–0 across 12 dimensions. Composite scores: Lunar 79/100 vs Statrys 43/100. 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 Statrys cheaper?
Monthly fee — Lunar: €0; Statrys: €88. Card FX markup — Lunar: Interbank; Statrys: 0.50%. 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 Statrys?
Lunar holds a Full bank licence under Finanstilsynet; deposit guarantee per depositor: €100,000. Statrys holds a Payment inst. licence under Statrys Limited holds a Hong Kong Monetary Authority (HKMA) Money Service Operator (MSO) licence, plus Trust or Company Service Provider (TCSP) authorisation for the HK incorporation-services arm. Customer funds are safeguarded under HKMA MSO rules — held in segregated accounts at HK-licensed banks — and are NOT covered by the HK Deposit Protection Scheme (DPS) which applies to chartered HK banks only. The structural trade-off versus a chartered HK bank (HSBC Business, Standard Chartered HK Business, or HKMA virtual banks like Mox / ZA Bank / Livi Bank with DPS cover) is the cross-Asia corridor depth and the SMB-customer onboarding speed. Verified 2026-05.; deposit guarantee per depositor: Safeguarded. Lunar is the stronger pick on regulatory protection.
Where can I use Lunar and Statrys?
Lunar operates in 3 countries; Statrys 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.