Coming to Denmark

Get a free Danish bank account.

Get a free Danish bank account and digital 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 750,000 other users.

  • 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 – use it with Apple Pay and Google Pay.
  • An English banking app with smart features to help you manage your money.
  • The opportunity to have your NemKonto with us.
  • A +1.25% interest rate of up to 100,000 DKK and no negative interest rate.
  • 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 +1.25% 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.

A better way to stay in touch.

With an account from Lunar, you get access to exclusive offers from our partners like Telmore. Telmore is a modern phone service provider that can provide you with EU roaming, free calling minutes and texts, as well as streaming services like Netflix and HBO. In addition to this, you gain access to services like MobilePay which is exclusive to users with danish phone numbers.

By signing up to Telmore via Lunar, you receive a 20% discount on your plan for the first 6 months, in addition to a 200 DKK sign-on bonus that's added directly to your Lunar account.

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