Lunar vs Meem.
Lunar (L79/100) and Meem (M74/100), 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 Meem 5-1.
| L Lunar №06 · Finanstilsynet 79 /100 | M Meem №24 · SAMA 74 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 79 /100 | 74 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | Interbank | 2.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank Finanstilsynet | Full bank SAMA |
| Deposit guarantee Per depositor | €100,000 EU.DGS.DK | €200,000 SA.SAMA-DPS |
| 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 Meem if…
Digital banking arm of Gulf International Bank — one of the first KSA digital-only banking offerings (launched 2014). Sharia-compliant by structure (profit-share rather than interest). SA Deposit Protection cover via the GIB licence. Distinguishes itself vs. stc Bank by depth of wealth-management access through the GIB private-banking heritage.
- Best for fees Lunar won 1 of 4
- Best for protection Meem won 1 of 2
- Best for reach Lunar won 1 of 3
- Best for ux Lunar won 2 of 2
Lunar vs Meem — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Lunar better than Meem?
Under our v3 methodology, Lunar leads Meem 5–1 across 12 dimensions. Composite scores: Lunar 79/100 vs Meem 74/100. 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 Meem cheaper?
Monthly fee — Lunar: €0; Meem: €0. Card FX markup — Lunar: Interbank; Meem: 2.00%. 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 Meem?
Lunar holds a Full bank licence under Finanstilsynet; deposit guarantee per depositor: €100,000. Meem holds a Full bank licence under SAMA; deposit guarantee per depositor: €200,000. Meem is the stronger pick on regulatory protection.
Where can I use Lunar and Meem?
Lunar operates in 3 countries; Meem 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.