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Home Platforms Luno vs YouHodler

Compare Luno vs YouHodler

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Pros & Cons
tick Easy to use mobile and web apps
tick Strong support in a number of developing countries
tick Low exchange fees if you use the Luno exchange
tick Large, reputable business
tick Higher average review rating than YouHodler (82% vs 81%)
tick More reviews than YouHodler (107,799 vs 4,972 reviews)
tick Higher rating for android phone app than YouHodler (4.1 vs 4 stars)
tick Been in business longer than YouHodler (Founded 2012 vs 2017)
tick Offers corporate accounts but YouHodler doesn't
tick Interface supports Indonesian whereas YouHodler doesn't
tick Very high LTV up to 90% available on loans
tick Innovative Multi-HODL product allows market speculation with savings funds
tick Turbocharge allows highly leveraged speculation on crypto assets with multiple loans on one deposit of collateral
tick You can use NFTs as collateral
tick Higher rating on Trustpilot than Luno (4.2 vs 4.1 stars)
tick Offers loans but Luno doesn't
tick Has email support but Luno doesn't
tick Interface supports Korean, Japanese, Turkish, Polish, Spanish, Simplified Chinese, Russian and German whereas Luno doesn't
Savings Rates
tick YouHodler has a higher base saving rate for USD Coin (USDC) (12% vs 7.6%)
tick YouHodler will pay interest on 6 stable coin deposits not offered by Luno:
Tether (USDT)
Dai (DAI)
TrueUSD (TUSD)
Pax Dollar (USDP)
HUSD (HUSD)
STASIS EURO (EURS)
More ...
3 more savings rates pros ...
cross Need to manually transfer funds to savings account to start earning interest
cross No loans available (except for large instituions)
cross Savings interest rates are variable so it is hard to know how much you will actually earn
cross Transfers of crypto out of your savings wallet sometimes take 24 hours
cross Very limited number of savings account currencies
cross Not available in USA
cross High loan interest rates
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Reviews
82% based on 107,799 reviews
81% based on 4,972 reviews
User Reviews
Overall User Rating
82%
107,750 reviews
82%
102,046 reviews
82%
5,226 reviews
88%
4 reviews
88%
15 reviews
92%
4 reviews
74%
25 reviews
73%
71 reviews
74%
3 reviews
27%
356 reviews
Show All User Reviews
User Reviews
Overall User Rating
81%
4,957 reviews
80%
4,107 reviews
84%
711 reviews
94%
122 reviews
94%
15 reviews
64%
2 reviews
Show All User Reviews
Expert Reviews
Overall Expert Rating
75%
49 reviews
80%
82%
80%
40%
86%
66%
82%
72%
80%
80%
74%
92%
70%
75%
76%
86%
80%
90%
Show All Expert Reviews
Expert Reviews
Overall Expert Rating
88%
15 reviews
80%
83%
88%
90%
80%
80%
80%
100%
80%
100%
100%
100%
70%
86%
100%
Show All Expert Reviews
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Savings Rates
The table below compares the savings rates for Luno and YouHodler. Enter the amount you intend to deposit to get a more detailed comparison.
Stable Coins
USDC USD Coin
7.6% APR
7.6% APR
Crypto Currencies
BTC Bitcoin
1.5% APR
1.5% APR
ETH Ethereum
2% APR
2% APR
Loading rates ...
Stable Coins
DAI Dai
12% APR
12% APR
12% APR
12% APR
HUSD HUSD
12% APR
12% APR
TUSD TrueUSD
12% APR
12% APR
USDC USD Coin
12% APR
12% APR
USDP Pax Dollar
12% APR
12% APR
USDT Tether
12.3% APR
12.3% APR
Crypto Currencies
4% APR
4% APR
AAVE Aave
6% APR
6% APR
ADA Cardano
6% APR
6% APR
APE ApeCoin
30% APR
30% APR
ATOM Cosmos
3% APR
3% APR
AVAX Avalanche
6% APR
6% APR
25% APR
25% APR
3% APR
3% APR
5.5% APR
5.5% APR
BNB BNB
3% APR
3% APR
BNT Bancor
3% APR
3% APR
4.5% APR
4.5% APR
BTC Bitcoin
4.8% APR
4.8% APR
1.5% APR
1.5% APR
10% APR
10% APR
7% APR
7% APR
COMP Compound
2.5% APR
2.5% APR
DASH Dash
5.5% APR
5.5% APR
DOGE Dogecoin
3% APR
3% APR
DOT Polkadot
9% APR
9% APR
EGLD Elrond
5.5% APR
5.5% APR
EOS EOS
5% APR
5% APR
ETH Ethereum
5.5% APR
5.5% APR
FIL Filecoin
3.5% APR
3.5% APR
FTM Fantom
4% APR
4% APR
FTT FTX Token
4% APR
4% APR
GALA Gala
3% APR
3% APR
GMT STEPN
20% APR
20% APR
3% APR
3% APR
ILV Illuvium
3% APR
3% APR
LINK Chainlink
6.2% APR
6.2% APR
LTC Litecoin
5.5% APR
5.5% APR
LUNA Terra
4% APR
4% APR
3% APR
3% APR
MKR Maker
2.5% APR
2.5% APR
7% APR
7% APR
3% APR
3% APR
PAXG PAX Gold
5.6% APR
5.6% APR
REP Augur
2.5% APR
2.5% APR
3% APR
3% APR
SNX Synthetix
6% APR
6% APR
SRM Serum
3% APR
3% APR
SUSHI SushiSwap
7% APR
7% APR
TRX TRON
7% APR
7% APR
UNI Uniswap
7% APR
7% APR
XLM Stellar
4.5% APR
4.5% APR
XRP XRP
4.5% APR
4.5% APR
XTZ Tezos
4% APR
4% APR
4.5% APR
4.5% APR
ZIL Zilliqa
5.5% APR
5.5% APR
ZRX 0x
4.5% APR
4.5% APR
Loading rates ...
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Loans Rates
The table below compares the loan rates for Luno and YouHodler. Enter the amount you intend to borrow to get a more detailed comparison.
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Company
Legal name
Luno Pte. Ltd
Legal name
Youhodler SA
Year founded
2012
Year founded
2017
Country incorporated in
206
Country incorporated in
222
Headquarters country
1
Headquarters country
222
Centralised
tick Yes
Centralised
tick Yes
Number of employees
400
Number of employees
11-50
Number of users
8,000,000
Number of users
Total assets under management
$21,000,000,000USD
Total assets under management
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Products
Savings accounts
tick Yes
Savings accounts
tick Yes
Loans
cross No
Loans
tick Yes
Crypto to crypto exchange
tick Yes
Crypto to crypto exchange
tick Yes
Fiat to crypto exchange
tick Yes
Fiat to crypto exchange
tick Yes
Pro exchange marketplace
cross No
Pro exchange marketplace
cross No
Peer to peer exchange
Peer to peer exchange
cross No
Corporate accounts
tick Yes
Corporate accounts
cross No
Instantly buy crypto with fiat
tick Yes
Instantly buy crypto with fiat
tick Yes
Integrated crypto wallet
tick Yes
Integrated crypto wallet
tick Yes
Crypto withdrawls to private wallet
tick Yes
Crypto withdrawls to private wallet
tick Yes
Fast account verification
tick Yes
Fast account verification
tick Yes
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Security
Insurance level
Insurance level
$150,000,000USD
Cold storage
tick Yes
Cold storage
tick Yes
Cold storage custodian
BitGo
Cold storage custodian
Ledger Vault
Crypto security standard
Crypto security standard
Yes - Level of compliance not clear
Two factor authentication
tick Yes
Two factor authentication
tick Yes
Credit check
cross No
Credit check
cross No
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Support
24/7 support
24/7 support
cross No
Email support
cross No
Email support
tick Yes
Phone support
cross No
Phone support
cross No
Chat support
tick Yes
Chat support
tick Yes
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Fees
Maker fee
0%
Maker fee
Taker fee
0%
Taker fee
Exchange fees
Exchange fees
0% exchange fees
Fiat deposit fee
tick Free
Fiat deposit fee
Free, except USD SWIFT (25 USD fee per deposit) and EUR SWIFT (25 EUR fee per deposit)
Fiat withdrawl fee
tick Free
Fiat withdrawl fee
USD (SWIFT) - 5% (min 70 USD), EUR (SEPA) - 5 EUR, EUR (SWIFT) - 55 EUR, GBP/CHF - 0.15% (55 GBP / 55 CHF min)
Crypto deposit fee
tick Free
Crypto deposit fee
tick Free
Crypto withdrawl fee
Varies according to current market
Crypto withdrawl fee
Free except BAT (10 BAT), REP (0.2 REP), LINK (0.43 LINK), XRP (0.5 XRP), PAXG (0.002 PAXG), UNI (1 UNI), COMP (0.04 COMP ), MKR (0.01 MKR), ETH (0.003 ETH)
Savings crypto account withdrawl limit
$120,000 USD per day, £600,000 USD per month
Savings crypto account withdrawl limit
Min withdrawl 10-50 USD in crypto equivalent
Savings fiat account withdrawl limit
Savings fiat account withdrawl limit
Min withdrawl by bank card - 2 USD / 2 EUR, by bank wire - 500 for USD; 50 for EUR; 500 for CHF and GBP
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Registrations & Regulation
Know your customer
tick Yes
Know your customer
tick Yes
PCI DSS v3.2.1 Level 1
PCI DSS v3.2.1 Level 1
tick Yes
CryptoCurrency Security Standard (CCSS)
CryptoCurrency Security Standard (CCSS)
tick Yes
Cryptovalley Switzerland
Cryptovalley Switzerland
tick Yes
Blockchain Association
Blockchain Association
tick Yes
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Important Message Definda does not provide any financial advice. All information is provided for research purposes only. DeFi is a rapidly evolving industry. Most businesses in the sector are very young and it is possible that some of them could go out of business in the future. Such an event could result in the loss of your investment. You should do your own research or consult a financial advisor before investing any money. Please read and satisfy yourself with our terms before continuing to use our website. We offer a free impartial comparison service of savings, loans and other DeFi products. We may receive a small commission from some of the companies listed, but this never influences our rankings. If you spot any errors in the information listed then please contact us at info@definda.com.

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