Are we a match? Get the answer right here on the page, before you spend time on an application. We've gathered what needs to be in place, what counts against you, and why we can't say yes to everyone.
Get off to a good start
Is your business right for Lunar?
Check before you apply.
- Danish CVR number and a registered business address in Denmark.
- Sole proprietorship, PMV, ApS, A/S or I/S — not associations and foundations.
- A supported industry code that matches your actual business. See which industries we support .
- All owners live in Denmark, Sweden or Norway, have MitID and are at least 18 years old.
How to get the fastest answer on your application.
Avoid unnecessary delays.
- Update virk.dk — industry code, address and purpose must match your actual business.
- Describe your business concretely: what you do, and who your customers and suppliers are.
- Take a clear photo of your ID — good light, all corners visible.
- Newly formed ApS? Have documentation ready showing where the start-up capital comes from.
- Reply as quickly as possible when we ask for more — it matters most for your waiting time.
Five things are decisive.
If you can say yes to all five, you're a likely match.
- A Danish CVR number and VAT registration. Don't have one yet? Register it for free with us and apply at the same time.
- Sole proprietorship, PMV, ApS, A/S, I/S or holding company. We can't accept associations, foundations and self-governing institutions.
- Your industry is not finance, real estate brokerage, gambling, tobacco, weapons, fossil energy or industrial chemicals.
- All owners with at least 5% live in Denmark or Sweden. They must be over 18 and have MitID.
- You don't handle large amounts of cash. We have no branches, so you can't deposit cash with us.
These five points are the ones that decide most cases. If you want to see all the criteria and the full list of industries we don't accept, you'll find it further down.
Three things to have ready.
The application itself doesn't take long to fill in. Most delays come from the same three things. If you have them in place, the process is often faster.
- An industry code that fits what you do. We pull it from virk.dk and compare it with your business description. If they don't fit together, it has to be clarified first.
- Your country of birth, entered correctly. A classic mistake. Check it one more time.
- A clear photo ID. A sharp image, all four corners included, no glare.
Is the business brand new? Also have documentation of the start-up capital ready, e.g. a bank statement. See the full application guide .
Want the details?
Want the details?
As a regulated Danish bank, there are ten things we have to hold on to.
- The business is tax resident in Denmark and has a Danish CVR number and VAT registration number. If you don't have a CVR number yet, you can register it for free with us and apply for a business account at the same time.
- The business type is sole proprietorship, PMV, ApS, A/S, I/S or a non-financial holding company. Yes — I/S is included. We can't accept associations, foundations and self-governing institutions.
- You are on your own or have up to 10 employees.
- The business has beneficial owners — at least one natural person who owns or controls at least 25%. Ownership via a holding company is fine, as long as the ultimate owners are natural persons.
- All owners with at least a 5% ownership share live in Denmark or Sweden. Owners resident in other countries are generally not supported.
- All beneficial owners are at least 18, have MitID and can be identified and verified.
- The business is not dissolved, bankrupt, in liquidation, restructuring or any other insolvency proceedings.
- You are a beneficial owner yourself or authorised to act on the business's behalf, and you are at least 18.
- You don't already have a Lunar Business account for the same business, and you don't have another application in progress for the same business.
- You and everyone connected to the business meet our requirements for AML (anti-money laundering), KYC and checks for fraud and creditworthiness.
Can my business join?
The questions we hear most often.
No. We don't support associations, foundations or self-governing institutions — regardless of purpose and size.
We accept sole proprietorships, PMV, ApS, A/S, I/S and non-financial holding companies. If you're unsure about your business type, you can check it on virk.dk.
Examples of industries we accept.
The list contains examples, not an exhaustive overview. If your industry isn't listed here, you're still welcome to apply.
Businesses that work with e.g. new builds, repairs, restoration, and extensions or conversions. This can include:
- Demolition
- Painting and glazing, floor and wall covering
- Electrical installation
- Plumbing, heating and air conditioning
