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Interest rate

Earn +1.25% interest - without leaving your old bank.

Lunar is a different bank, and you can earn a positive interest rate of up to 100,000 DKK. You can get a free account without leaving your old bank. Read here how that’s possible.

At Lunar, we do things differently.

That’s why you can now get positive interest on up to 100,000 DKK on your account. You can do so because all of our customers are important to us, no matter how much money you have. There more we are, who want to build a new bank from the bottom up, the stronger we are.

We’re, just like every other Danish bank, supervised by Finanstilsynet (The Danish Financial Supervisory Authority) which means that there’s a long line of guidelines we must comply with. At Lunar, your money is also covered by a Danish Guarantee Fund, which protects deposits on bank accounts in financial institutions with up to 100.000 EUR (Similar to 750.000 DKK).

This is how you can get positive interest with Lunar.

We give you a positive interest rate of +1.25% on up to 100,000 DKK on free accounts. You don’t have to tie your money to us, gather your finances, or switch banks. If you have a Lunar account, you’ll get positive interest on your deposited money.
The value of the account is being calculated every day, while rates are being accounted and paid out monthly.

This is why Lunar can offer positive interest rates.

Lunar is a 100% digital bank that lives on your phone, and in our award-winning banking app, you can get more out of your money. We don't have any branches or financial advisors - everything is digital.

We’ve built our app using the newest technology, so we don’t have the same expense as traditional banks.

We can do things differently - and we do.

Lunar is built to be used by - and to give - regular people more from their money.
That's why we don't have any negative interest rates for private users.

Get positive interest without leaving your old bank.

We don’t require you to move your NemKonto to us to earn interest. You can use Lunar as your other bank, and deposit to us without ever leaving your old bank.

💡 It’s free to transfer - even large amounts - to Lunar from your old bank if you use a regular bank transfer. Check with your old bank if there are any limits to how much you can transfer away. You can do it in smaller bites, or have your limit raised.

How Lunar makes money.

In Lunar, we want to offer you a free account and digital card. However, we need to maintain a sustainable business model, so here are four main incomes for us as a bank:

🏪 The stores or retailers you purchase from, pay a small fee to the card issuer every time you use your card. That’s called a transaction fee. That’s why we would like a lot of Lunar users.

💳 We have three products that are monthly subscriptions. These gather all of the best when it comes to private finances and travel benefits: Lunar Standard, Plus and Unlimited. When you upgrade, we make money.

💼 Lunar Business is built for entrepreneurs, and all businesses who get a Business account pay a yearly price to have one. We also make money on that.

How do I get more out of my money with Lunar?

On top of the positive interest rate of +1.25% on up to 100,000 DKK, there are several ways to get the more out of your money through our award-winning banking app:

  • Set a budget that gives you an overview
  • Get notifications to keep you on track
  • No annual account or card fees

Show me everything I get with Lunar

Do like 750,000 others, get Lunar now.

Sign up for Lunar and get a free account and digital card, so you can pay with Apple Pay and Google Pay. You can even try Lunar without leaving your current bank.