Lunar vs Nubank PJ.
Lunar (L79/100) and Nubank PJ (N53/100), 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 Nubank PJ 5-2.
| L Lunar №06 · Finanstilsynet 79 /100 | N Nubank PJ №63 · FDIC 53 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 79 /100 | 53 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | Interbank | 1.10% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank Finanstilsynet | Payment inst. FDIC |
| Deposit guarantee Per depositor | €100,000 EU.DGS.DK | Safeguarded BR.FGC |
| Reach | ||
| Markets served Licensed jurisdictions | 3 countries | 3 countries |
| Crypto Coins available | Yes | 2 coins |
| Stocks & ETFs Self-directed | Yes | Yes |
| UX | ||
| Trustpilot Customer score | 4.6 ★ 22k reviews | 3.8 ★ 50k reviews |
| App store iOS + Android avg | 4.6 ★ iOS 4.7 · And 4.4 | 4.8 ★ iOS 4.8 · And 4.7 |
| 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 Nubank PJ if…
Brazil's default SMB neobank — 3M+ business accounts on a free Conta PJ with PIX instant transfers, FGC-protected deposits up to BRL 250,000 per customer per institution, and Nu Invest integration for idle-cash CDB / LCI / LCA / Tesouro Direto yield. Backed by Nubank Holdings (NYSE: NU), the largest neobank in LATAM by market cap. Operating as a BACEN-supervised full financial institution under Nu Pagamentos S.A., distinguished from US / EU SMB neobanks by genuine full-bank licensing and FGC cover — deposit insurance is real, not a partner-bank pass-through.
- Best for fees Lunar won 1 of 4
- Best for protection Lunar won 2 of 2
- Best for reach Nubank PJ won 1 of 3
- Best for ux Tied
Lunar vs Nubank PJ — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Lunar better than Nubank PJ?
Under our v3 methodology, Lunar leads Nubank PJ 5–2 across 12 dimensions. Composite scores: Lunar 79/100 vs Nubank PJ 53/100. 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 Nubank PJ cheaper?
Monthly fee — Lunar: €0; Nubank PJ: €0. Card FX markup — Lunar: Interbank; Nubank PJ: 1.10%. 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 Nubank PJ?
Lunar holds a Full bank licence under Finanstilsynet; deposit guarantee per depositor: €100,000. Nubank PJ holds a Payment inst. licence under FDIC; deposit guarantee per depositor: Safeguarded. Lunar is the stronger pick on regulatory protection.
Where can I use Lunar and Nubank PJ?
Lunar operates in 3 countries; Nubank PJ 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.