---
title: "Luno vs Roqqu: Fees, Features, and Africa Coverage"
description: "Compare Luno vs Roqqu on fees, crypto selection, payments features, support, and availability across Africa, with a clear recommendation for 2026."
canonical_url: "https://liners.com/compare/luno-vs-roqqu"
markdown_url: "https://liners.com/compare/luno-vs-roqqu.md"
type: "article"
language: "en"
published_at: "2026-08-17T11:12:32.208Z"
updated_at: "2026-08-17T11:12:32.223Z"
---

# Luno vs Roqqu: Fees, Features, and Africa Coverage

Compare Luno vs Roqqu on fees, crypto selection, payments features, support, and availability across Africa, with a clear recommendation for 2026.

## Breadcrumbs

- [Comparisons](/compare)
- [Luno vs Roqqu: Complete Comparison (2026)](/compare/luno-vs-roqqu)

## Comparison

Choose Luno if you care most about lower exchange-style trading fees, a more institutional posture, and a simpler, curated crypto offering. Choose Roqqu if you want a broader all-in-one app for crypto plus everyday payments (payment links, transfers, cards), and can tolerate higher retail fees and more mixed support sentiment.

If your priority is \*\*cost-efficient trading and a more institutional-grade exchange posture\*\*, \[Luno\](/luno) is usually the better default. Its maker-taker exchange fees are commonly cited around \*\*0% maker and ~0.1% taker\*\* for typical users in markets like Nigeria and South Africa, which is hard to beat among consumer-focused African on-ramps. The main caveat is that Luno’s “Instant Buy/Sell” can be meaningfully more expensive due to spread (often quoted around \*\*~1% to 3%\*\*), and its coin selection is more curated.  If your priority is \*\*all-in-one utility\*\* (crypto plus payments, payment links, in-app transfers, virtual cards, broader asset coverage), \[Roqqu\](/roqqu) is the stronger fit. However, for spot retail trades, the most consistently reported pricing is about \*\*2%\*\* per buy/sell/swap, and public fee information can be inconsistent across sources, so active traders should double-check fees before scaling volume. For many freelancers and everyday users, Roqqu can still win on convenience, especially where \*\*free bank withdrawals\*\* and instant internal transfers reduce friction.

## Analysis

Both [Luno](/luno) and [Roqqu](/roqqu) are popular on-ramps for Africans who want to buy, sell, and hold crypto, but they are built with different default use cases in mind. Luno is closer to a classic crypto exchange plus custody product: it offers an easy “instant” mode for beginners and an order-book exchange for more active traders, alongside features like staking and some packaged investment products. Roqqu positions itself more like a crypto plus payments super-app for Africa, combining trading with tools such as payment links, in-app transfers (Roqqu Pay), and virtual cards aimed at day-to-day spending and getting paid.

People typically compare them when deciding between (1) a lower-fee, more trading-oriented experience and (2) a convenience-first app that tries to cover crypto, transfers, and payments in one place. The trade-off is usually cost versus breadth: Luno tends to be cheaper for order-book trading, while Roqqu tends to offer more “everyday” product surface area (more assets, more payment-like features), but with higher and sometimes less clearly communicated retail fees.

For African users, local rails matter as much as features. Both emphasize NGN and other local-market deposits and withdrawals, and both are expanding across key markets like Nigeria, Kenya, Ghana, and South Africa. That said, availability, fee schedules, and even product features can vary materially by country and by the specific mode you use (instant vs exchange, spot vs futures), so it is worth verifying the in-app fees and supported rails in your country before committing funds.

## Criteria

| Criterion | Product | Rating | Summary |
| --- | --- | --- | --- |
| Pricing | Luno | 8 | Low exchange fees, but instant-mode spreads and some NGN fees can add up. |
| Pricing | Roqqu | 6 | Convenient cash movement, but higher retail trading fees and fee clarity issues. |
| Features and product breadth | Luno | 7 | Strong core exchange and investing features, narrower payments tooling and fewer assets. |
| Features and product breadth | Roqqu | 9 | Broader crypto selection and stronger everyday payments toolkit in one app. |
| Ease of use | Luno | 8 | Clear beginner path with Instant Buy/Sell and a separate pro exchange mode. |
| Ease of use | Roqqu | 7 | Convenient super-app flow, but fees and product modes can be confusing. |
| Customer support and user sentiment | Luno | 7 | Generally professional support reputation, with recurring complaints about costs and occasional delays. |
| Customer support and user sentiment | Roqqu | 6 | Polarised sentiment, many happy users, but a meaningful minority report delays and KYC friction. |
| African market fit and availability | Luno | 8 | Strong presence in key markets, broad international footprint, and clearer institutional posture. |
| African market fit and availability | Roqqu | 8 | Deep local focus in Nigeria and expanding across Africa, including Kenya via M-Pesa-related expansion. |
| Integrations and advanced tooling | Luno | 8 | Stronger on trading APIs and pro-grade exchange tooling. |
| Integrations and advanced tooling | Roqqu | 6 | Stronger merchant-style collection tools, but less visible public API documentation. |
| Reliability, security, and regulatory posture | Luno | 8 | More institutional-grade posture and longer track record across multiple regulated markets. |
| Reliability, security, and regulatory posture | Roqqu | 7 | Strong security feature set, but more variability in reliability signals from user reports. |

## Related pages

- [Roqqu](/roqqu)
- [Luno](/luno)

## Access and citation

- [Canonical HTML page](https://liners.com/compare/luno-vs-roqqu)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)