Lunar vs Penta.
Lunar (L79/100) and Penta (P61/100), 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 Penta 9-0.
| L Lunar №06 · Finanstilsynet 79 /100 | P Penta №49 · BaFin 61 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 79 /100 | 61 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €9 /mo |
| FX markup Debit card abroad | Interbank | 1.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank Finanstilsynet | Partner-bank BaFin |
| 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 | 3.2 ★ 0k 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 Penta if…
The German SME-focused partner-bank neobank with the deepest DATEV-first workflow in the category. Customer deposits sit at Solaris Bank AG (BaFin-licensed credit institution) with DGS pass-through cover — structurally distinct from EMI-licensed Tide / Finom / Anna / Holvi. The structural fit for German GmbH / UG companies needing DGS-protected operating cash plus DATEV / Lexoffice / sevDesk integration depth without Qonto's freelancer-tier UX baggage.
- 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 Penta — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Lunar better than Penta?
Under our v3 methodology, Lunar leads Penta 9–0 across 12 dimensions. Composite scores: Lunar 79/100 vs Penta 61/100. 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 Penta cheaper?
Monthly fee — Lunar: €0; Penta: €9. Card FX markup — Lunar: Interbank; Penta: 1.00%. 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 Penta?
Lunar holds a Full bank licence under Finanstilsynet; deposit guarantee per depositor: €100,000. Penta holds a Partner-bank licence under BaFin; deposit guarantee per depositor: Safeguarded. Lunar is the stronger pick on regulatory protection.
Where can I use Lunar and Penta?
Lunar operates in 3 countries; Penta 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.