We prove lower Dirac eigenvalue bounds for closed surfaces with a spin structure whose Arf invariant equals 1. Besides the area only one geometric quantity enters in these estimates, the spin-cut-diameter δ(M) which depends on the choice of spin structure. It can be expressed in terms of various distances on the surfaces or, alternatively, by stable norms of certain cohomology classes. In case of the 2-torus we obtain a positive lower bound for all Riemannian metrics and all nontrivial spin structures. For higher genus g the estimate is given by |λ| ≥ 2√π/(2g + 1)√area(M) - 1/δ(M). The corresponding estimate also holds for the L2-spectrum of the Dirac operator on a noncompact complete surface of finite area. As a corollary we get positive lower bounds on the Willmore integral for all 2-tori embedded in ℝ3.