Coming to Denmark

Get a free Danish bank account.

  • Available for expats, non-citizens, and international students
  • Apply online in english, in few minutes
  • Receive your salary and SU on your Lunar NemKonto
  • Helpful english customer support
  • Free Danish bank account and digital 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.

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 digital card
  • An English smart banking app with smart money management features
  • NemKonto to receive your salary and SU
  • A +1.50% interest rate of up to 100,000 DKK*
  • An easy investment platform through Saxo Bank
  • Apple pay and Google Pay ready
  • Top class customer support in english

*The +1.50% interest rate applies to amounts up to 100,000 DKK. After this, the interest rate is 0%. The interest rate is variable.

What you need to know.


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.


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 Plus and Unlimited.

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

Exclusive phone subscription offer

Unlock exclusive benefits by signing up for a Lunar account.

  • 20% discount on your plan for the first 6 months
  • 200 DKK sign-on bonus credited directly to your Lunar account.
  • EU roaming, with free calling minutes and texts
  • Streaming perks like Netflix and HBO

Read more details here

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. We've made a guide that answer all your questions.

Read our guide for expats moving to Denmark

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