Free account and digital card

All your questions - answered

• What is Lunar?

  Lunar is a digital bank without any physical branches. We still offer all the services you’re used to from traditional banks: accounts, cards, payments and transfers, loans, MobilePay, Apple Pay, Google Pay, etc. In addition, we provide the best banking app experience in Denmark, offering you a secure and easy platform to manage your money – directly from your smartphone.

  And with your Lunar app, we'll provide you with everything you need to make the most of your money, including ways to track your expenses, interactive budget planning tools, and notifications every time you spend money. What's more, there are no surprise payments or transaction fees.

  We have more than 500,000 users in the Nordic region, and offices in Aarhus, Copenhagen, Stockholm and Oslo. Our 450+ employees work hard to ensure our users get the best possible banking experience.

• How come it’s free to have a Lunar account?

  It’s completely free to sign up for Lunar and create an account, receive a digital card and get access to a banking app full of handy tools and features.

  That's because, as a digital bank, we don’t have the same expenses as traditional banks. We charge for certain accounts such as Lunar Premium and Pro, as well as if we offer any of our users a loan. And when you use your card in physical or online stores, only the merchant will pay us a transaction fee.

• Do I have to switch banks to use Lunar?

  No, you don’t have to switch from your current bank to use Denmark’s best banking app. You can use Lunar as your primary bank or keep it as your secondary bank if you don’t want to switch. You can also connect your current bank account to Lunar via the app.

  Try Lunar now – it’s 100% free and non-binding.

• How do I get positive interest rates?

  You get a +1.25% interest rate up to 100,000 DKK of the money deposited into your account. For amounts larger than 100,000 DKK the interest rate is 0%.

  You'll collect the interest rates automatically, and they will be paid out to your account once per month.

  The interest rate is variable.