Lunar vs Marcus by Goldman Sachs.
Lunar (L79/100) and Marcus by Goldman Sachs (M58/100), 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 Marcus by Goldman Sachs 7-0.
| L Lunar №06 · Finanstilsynet 79 /100 | M Marcus by Goldman Sachs №56 · OCC 58 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 79 /100 | 58 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €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 | Full bank Finanstilsynet | Payment inst. OCC |
| Deposit guarantee Per depositor | €100,000 EU.DGS.DK | Safeguarded US.FDIC |
| 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 | — |
| App store iOS + Android avg | 4.6 ★ iOS 4.7 · And 4.4 | 4.5 ★ iOS 4.6 · And 4.5 |
| 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 Marcus by Goldman Sachs if…
Online-savings + CD-only product from Goldman Sachs Bank USA. No checking, no debit, no investing — purely a yield destination. Goldman institutional pedigree and headline APY among top-quartile US chartered banks. The savings-only counterpart to Ally for depositors with checking elsewhere.
- Best for fees Tied
- 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 Marcus by Goldman Sachs — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Lunar better than Marcus by Goldman Sachs?
Under our v3 methodology, Lunar leads Marcus by Goldman Sachs 7–0 across 12 dimensions. Composite scores: Lunar 79/100 vs Marcus by Goldman Sachs 58/100. 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 Marcus by Goldman Sachs cheaper?
Monthly fee — Lunar: €0; Marcus by Goldman Sachs: €0. Card FX markup — Lunar: Interbank; Marcus by Goldman Sachs: Interbank. Tied across fee rows. See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Lunar or Marcus by Goldman Sachs?
Lunar holds a Full bank licence under Finanstilsynet; deposit guarantee per depositor: €100,000. Marcus by Goldman Sachs holds a Payment inst. licence under OCC; deposit guarantee per depositor: Safeguarded. Lunar is the stronger pick on regulatory protection.
Where can I use Lunar and Marcus by Goldman Sachs?
Lunar operates in 3 countries; Marcus by Goldman Sachs 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.