Coming to Denmark

Get a free Danish bank account

Get a free Danish bank account and Visa card as an expat, non-citizen, or international student, and manage your money using an English banking app full of helpful features. Get started by downloading the Lunar app today and join more than 500,000 other users.

  • Free Danish bank account and Visa card

  • English banking app with features to help you manage your money with ease

  • Easy application directly from the app

Who can get a Danish bank account?

Working or studying in Denmark? Or in the country for any other reason? In most cases, you'll need a Danish bank account and NemKonto to, e.g., receive payments like your salary and public sector payments (such as tax refunds or social welfare payments).

With Lunar, you can open a free Danish bank account in an easy and digital way. You’ll also get access to our English banking app with tools to help you manage your money without any difficulty.

What’s more, we’ve also made getting a NemKonto with us very straightforward– simply sign up and assign your Lunar account as your NemKonto directly through the Lunar app.

What you get with Lunar

  • A free Danish bank account and Visa card.
  • An English banking app with smart features to help you manage your money.
  • The opportunity to have your NemKonto with us.
  • A +1% interest rate of up to 25,000 DKK provided you use your card at least once every 30 days*.
  • An easy investment platform through Saxo Bank.
  • The ability to split your bills with Pay Later.
  • The ability to sign up directly from the Lunar app.

*The +1% interest rate applies to amounts up to 25,000 DKK provided you use your card a minimum of once per 30 days. After this, the interest rate is 0% up to 10 million DKK. If you have more than 10 million DKK the interest rate is -0.6%. The interest rate is variable.

WHAT YOU NEED TO KNOW

MitID

MitID is a personal key you need to access digital services that you need to open your Danish bank account. You can obtain your MitID by going, in person, to a Citizen Service Centre.

NemKonto

A NemKonto is a normal bank account that you assign as your NemKonto. Everyone in Denmark needs to assign a bank account as their NemKonto to receive payments from Danish public institutions. Some private enterprises can also make payments to your NemKonto.

Travel with Premium

Going home to visit family and friends? Then Premium could be for you. With Premium you’ll get travel benefits such as travel and luggage insurance, and you won’t have to pay Lunar withdrawal or exchange fees when using your card abroad.

Need help signing up?

Confused about how to get your MitID? Need help setting up your bank account? No need to worry, we’ve got your back. Go to our help section for guidance.

Get help opening a bank account

Are you a refugee from Ukraine?

If you are Ukrainian and have entered Denmark as a refugee, you can get a free bank account by signing up with your MitID. Simply select 'Ukraine' as your country of citizenship during the sign-up process, and you'll be fast-tracked in your request to open an account. No passport or photo ID is required – only a residence permit and your MitID.

Open an account

Apply with ease

  • 1

    Download the Lunar app in the App Store or Google Play

  • 2

    Sign up through the app using your MitID, personal ID (a passport or driver’s license) and CPR number

  • 3

    That’s it – once approved, you can start using your account.

All your questions - answered