Lunar vs WeBank.
Lunar (L79/100) and WeBank (W76/100), 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 WeBank 5-1.
| L Lunar №06 · Finanstilsynet 79 /100 | W WeBank №18 · CBI 76 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 79 /100 | 76 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| 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 | Full bank CBI |
| Deposit guarantee Per depositor | €100,000 EU.DGS.DK | €500,000 CN.PBoC-DIS |
| 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 | 4.5 ★ 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 WeBank if…
World's largest digital bank by user count (~400M Chinese customers). First CBIRC-licensed internet-only bank in China (2014). Tencent majority shareholder; deeply integrated with WeChat. China DIS cover.
- Best for fees Lunar won 1 of 4
- Best for protection WeBank won 1 of 2
- Best for reach Lunar won 1 of 3
- Best for ux Lunar won 2 of 2
Lunar vs WeBank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Lunar better than WeBank?
Under our v3 methodology, Lunar leads WeBank 5–1 across 12 dimensions. Composite scores: Lunar 79/100 vs WeBank 76/100. 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 WeBank cheaper?
Monthly fee — Lunar: €0; WeBank: €0. Card FX markup — Lunar: Interbank; WeBank: 1.00%. 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 WeBank?
Lunar holds a Full bank licence under Finanstilsynet; deposit guarantee per depositor: €100,000. WeBank holds a Full bank licence under CBI; deposit guarantee per depositor: €500,000. WeBank is the stronger pick on regulatory protection.
Where can I use Lunar and WeBank?
Lunar operates in 3 countries; WeBank 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.