Question 1

Is Lunar Business Grow the right choice for my company?

Accepted Answer

Lunar Business Grow is great for you if you are an entrepreneur with several employees and you want more time to grow your business. You can manage all your company finances on your phone, which means it’s easy, digital and flexible.

You can apply for Lunar Business if you're at least 18 years old and if you have a sole proprietorship, a personally owned small business, a private limited company or a holding company. With Lunar Business Solo, your business can only have one owner with the authority to sign documents. With Lunar Business Grow, your business can have more than one owner. As an owner, you must live and pay taxes in Denmark.

Download Lunar and apply for a business account directly in the app. It only takes a few minutes.

Question 2

How safe is it to use Lunar?

Accepted Answer

It is safe to have your business account at Lunar. We are - just like any other Danish bank - under the supervision of the Danish Financial Supervisory Authority. That means there are a number of guidelines we must adhere to. With us, your money is covered by a deposit guarantee, which protects the number of deposits in bank accounts in banks with up to 750.000 kr.

Question 3

How do I get a Lunar Business account and company card?

Accepted Answer

1) Download the Lunar app in App Store or Google Play and select Lunar Business.

2) Apply for an account in a few minutes directly in the app. Have your passport or driver's license and a valid NemID ready. You will need to apply for the account. We will briefly ask about your business idea in the app - what you offer and how you earn or expect to make money.

3) We process your application as soon as possible, and you will receive the answer directly in your inbox.

How to describe your business idea when applying for an account

Here you can see what you can prepare for - and examples of answers from a small company.

Example:

BUSINESS IDEA: Petersens Tømrer og Snedker ApS deals with carpentry. The main focus will be on the sawmill. Here, the company itself will cut planks, timber, put boards up for sale, both to private customers as well as companies, as well as sales at auction.

In addition, the company will perform minor tasks such as replacement of windows and roofs, as well as the construction of floors, etc.

FUTURE PLANS: Right now it's a side business, next to my job. The long-term plans are for the company to move to full-time employment. The reason for starting as a side business is because I want a wide customer network, as well as a guarantee that the company can eventually carry full-time employment and what to focus on in the future (eg replacement of doors/windows for private customers or exclusively sales from the sawmill.)

SUPPLIERS: Regarding suppliers, XL Byg, Bygma, Stark, and other timber loads are mainly used for the purchase of various building materials.

CUSTOMERS: The company handles tasks for both private customers and businesses. The company estimates that the distribution will be 60% private customers and 40% business customers.

Question 4

What is the advantage of Lunar Business Grow compared to business card and expense management solutions?

Accepted Answer

With Lunar Business Grow, you get everything in one app: company cards, expense management and your bank account. It saves you time and makes it easier for you to run your business. You get an unlimited number of company cards for your employees. You can automate your expenses and see spendings in real-time in the app. It’s also easy to integrate accounting software such as Billy, Dinero, and e-conomic. And you get Denmark's best business account for entrepreneurs, with everything you need to manage your money easily and on-the-go.

Question 5

What is the benefit of integrating Lunar Business with accounting programs like e-conomic, Billy and Dinero?

Accepted Answer

When you integrate Lunar Business with your accounting programs, you get:

Automated transfer of transactions from your account and your card to your accounting program in real-time.

Possibility to attach a picture of the receipt and upload it directly to the transaction.

The actual integration between Lunar Business and the accounting programs e-conomic, Dinero and Billy is free.

Question 6

How can I give my employees free company cards?

Accepted Answer

You can order physical cards directly from the app. There is no limit on how many you can order for your employees and the price is the same regardless of how many cards you order.

All team members automatically get a virtual card when they have been approved. The virtual card is a card you can only see in your app. This means you do not get a physical card, but you can connect it to Apple Pay or Google Pay, or pay online with it. You can also order a physical card.

Question 7

Who has access to the money in my account?

Accepted Answer

Only your employees who have been specifically invited have access to your account. All team members must verify their identity with NemID when they accept their personal invitation. You can also edit the monthly spending limit for your team in your app.

Question 8

Can I set limits for how much money my employees can spend?

Accepted Answer

When you invite a team member, you will be asked to set a limit on how much they can spend per month. The maximum limit is 10,000 DKK. The specific limit can be adjusted at any time in “Settings”.

Question 9

How do I add a receipt to an expense?

Accepted Answer

To add a receipt to an expense, go to your transactions on the home screen and click the transaction you want to add a receipt to. Click “Add Receipt” and the camera will open. You can now take a picture of the receipt. If you have notifications activated you’ll be notified to add a receipt when you’ve made a purchase. Click on the notification and you’ll go directly to the transaction to add your receipt.

Free sign up Sign up for free and get Denmark’s best account for entrepreneurs.
National business account Get business accounts with a Visa card for each and a NemKonto attached. e.g. you could get an account for VAT savings, representation, and marketing.	3
Visa-card with no annual card fee Get a Visa card for 0 DKK in annual card fees and avoid paying for your card as an owner and as co-owners.	3
Free payments and transfers You will get free payments and transfers. Please note that a creditor can charge a fee if you use Betalingsservice.
Denmark's best banking app User-friendly app in a stunning design, with everything you need to manage your business's finances.
0% negative interest rates Zero negative interest rates will be applied to your business account.
Business loans If your computer breaks, or you suddenly find yourself in an unexpected position, you can get a loan through Qred. Get an offer within an hour, and receive money the same day. Run a business with complete peace of mind. Tell me more about business loans .
Customer support If you need help, we’re easy to reach. Get hold of us in the app, or give us a call right up to 23:00 on business days and till 17:00 o’clock on the weekends and on holidays.
Multiple business owners Grow is the account to choose if you’re more than one owner in your company. You’ll get 3 accounts, company cards, and everything else needed to make running a business easier.
Company benefits and discounts Get discounts on the best and most indispensable services for entrepreneurs, which will save you a total of over 17,500 DKK. You will get 50% off of Billy, One.com, and Salary, just like you will get a 100% discount on IVN.dk, so you won’t have to pay for the first year of your membership. Show me the discounts .

Unlimited cards for employees Give a company card for each of your employees, and rid yourself of private expenses and manual paperwork. Get all the company cards you need - without it costing extra. Show me company cards .
Webbank Get the overview from your desktop. See your transactions, historical balance, transfer money, and pay bills
Automatic expense management Get rid of private expenses, lost receipts, and expense reports. Control all of your expenses completely automatically from the Lunar app, and get full control of your finances.
Track expenses in real-time Each time an employee makes a purchase, you can see the expense immediately in the app. That way, you’ll have full control of your finances at all times.
Take a picture and upload the receipt Take a picture of the receipt when you, or your employees, make a purchase and upload it directly in the app. Say goodbye to physical receipts - and stop hunting them down for accounting, if they get lost.
Individual spend limits Give your employees company cards without losing control. Set individual spend limits, which you can adjust over time according to your needs.
Connect other banks If you have accounts at other banks, you can connect them to your Lunar account. You can both see accounts and transactions - and make transfers - from your other banks directly in the app. Gather everything in one place, and get the full overview.
Subscription overview Get the full overview of your subscriptions, and handle them directly in the app. Avoid paying for something you don’t even use.

Join 15,000 other entrepreneurs

Company cards and expense management

Say goodbye to paperwork and manual bookkeeping.

Say goodbye to paperwork and hello to your company cards.

An overview of employee spending.

As many cards as you need, at no extra cost.

The ultimate package for entrepreneurs.

It's this easy to manage your expenses.

Sign up for Lunar Business Grow

Get company cards for your employees

Make a purchase and take a picture of the receipt

Provide CVR-number

Every other newly-started business in Denmark has applied for a Lunar Business account.

What you get with Lunar Business Grow.

Grow

An all-in-one Business banking solution.

A bank as it should be

Accounting and bookkeeping

Financial overview and expense management