Lunar vs Moniepoint
Updated June 2026 · A structured head-to-head comparison.
Business banking for Africa.
The verdict
Both Lunar and Moniepoint are credible business banking tools, and the right pick comes down to your priorities.
Lunar — Digital bank for the Nordics.
Choose Moniepoint if you'd rather have a higher overall rating (4.4/5). Business banking for Africa.
Lunar vs Moniepoint: side by side
| Dimension | Lunar | Moniepoint |
|---|---|---|
| Starting price | Free | Free |
| Free plan | Yes | Yes |
| Pricing model | Freemium | Usage-based |
| Best for | Smb, Startups | African Smb |
| Platforms | Ios, Android, Web | Web, Ios, Android |
| Rating | 4.1/5 | 4.4/5Winner |
Lunar key facts
- Vendor
- Lunar Bank
- Pricing
- Freemium — Free
- Free tier
- Yes
- Platforms
- Ios, Android, Web
- Best for
- Smb, Startups
- Editor rating
- 4.1 / 5
- Founded
- 2015
- Headquarters
- Aarhus, Denmark
Moniepoint key facts
- Vendor
- Moniepoint
- Pricing
- Usage-based — Free
- Free tier
- Yes
- Platforms
- Web, Ios, Android
- Best for
- African Smb
- Editor rating
- 4.4 / 5
- Founded
- 2015
- Headquarters
- Lagos, Nigeria
Frequently asked questions
Is Lunar better than Moniepoint?
Neither is universally better — Moniepoint edges ahead on overall rating, but the best choice depends on price, platforms, and your use case. See the side-by-side table above.
Is Lunar or Moniepoint cheaper?
Lunar is the more affordable of the two to get started, at free. Lunar starts at free; Moniepoint starts at free.
Can Lunar replace Moniepoint?
Yes for most teams — both are business banking tools with heavily overlapping features. The main trade-offs are pricing and platform support, covered in the comparison above.