Lunar vs Conta Azul.
Lunar (L79/100) and Conta Azul (C45/100), 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 Conta Azul 8-0.
| C Conta Azul №83 · BACEN 45 /100 | L Lunar №06 · Finanstilsynet 79 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 45 /100 | 79 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €89 /mo | €0 Free tier |
| FX markup Debit card abroad | Interbank | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Payment inst. BACEN | Full bank Finanstilsynet |
| Deposit guarantee Per depositor | Safeguarded BR.FGC | €100,000 EU.DGS.DK |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 3 countries |
| Crypto Coins available | No | Yes |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | — | 4.6 ★ 22k reviews |
| App store iOS + Android avg | 4.3 ★ iOS 4.4 · And 4.2 | 4.6 ★ iOS 4.7 · And 4.4 |
| Read review → | Read review → | |
Pick Conta Azul if…
BR accounting-first platform with the longest operating history in the SMB accounting category (14+ years). Recently expanded into integrated banking via BACEN payment-institution licence — Conta Azul Conta as a workflow extension of the accounting platform. The structural fit for BR Contador-mediated SMBs where the accounting workflow is the operational anchor and banking is the bolt-on, rather than BHub's banking-first integrated approach.
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 Lunar won 2 of 3
- Best for ux Lunar won 2 of 2
Lunar vs Conta Azul — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Conta Azul better than Lunar?
Under our v3 methodology, Lunar leads Conta Azul 8–0 across 12 dimensions. Composite scores: Conta Azul 45/100 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 Conta Azul or Lunar cheaper?
Monthly fee — Conta Azul: €89; Lunar: €0. Card FX markup — Conta Azul: Interbank; 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, Conta Azul or Lunar?
Conta Azul holds a Payment inst. licence under BACEN; 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 Conta Azul and Lunar?
Conta Azul operates in 1 country; 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.