Lunar vs Liv..
Lunar (L79/100) and Liv. (L59/100), 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 Liv. 8-0.
| L Liv. №53 · CBUAE 59 /100 | L Lunar №06 · Finanstilsynet 79 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 59 /100 | 79 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 1.50% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | E-money inst. CBUAE | Full bank Finanstilsynet |
| Deposit guarantee Per depositor | Safeguarded AE.DPS | €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 Liv. if…
First UAE digital-only bank — Emirates NBD subsidiary launched 2017. Targets millennials with free account + lifestyle features. Direct AE DPS cover via parent's CBUAE charter — structurally cleaner than partner-bank competitors.
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 Liv. — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Liv. better than Lunar?
Under our v3 methodology, Lunar leads Liv. 8–0 across 12 dimensions. Composite scores: Liv. 59/100 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 Liv. or Lunar cheaper?
Monthly fee — Liv.: €0; Lunar: €0. Card FX markup — Liv.: 1.50%; 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, Liv. or Lunar?
Liv. holds a E-money inst. licence under CBUAE; 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 Liv. and Lunar?
Liv. 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.