Lunar Bank A/S products, services and reviews

About Lunar Bank A/S

Lunar Bank A/S is a Copenhagen-based challenger bank founded in the mid-2010s that provides app-first personal and business banking across the Nordic markets, including Denmark, Sweden and Norway; its offering centers on mobile accounts with physical and virtual debit cards, instant payments, budgeting and transaction categorisation, tiered subscription plans (a free basic account alongside paid premium tiers), basic savings and investment options delivered partly via third-party partnerships, and credit products or overdraft facilities that vary by market and customer risk profile. The bank operates under a Danish banking licence and deposits are covered by the applicable national deposit guarantee scheme up to the standard EU/EAA limit per depositor; cards support contactless and mobile wallet payments and international payment and FX fees apply according to the chosen plan. Business customers can open company accounts with multi-user access and tools for invoicing and expense management, though lending and complex corporate services remain more limited than those of established incumbent banks. As a digital-only provider Lunar has no branch network, relies primarily on in-app and online customer service, and has faced the usual fintech trade-offs between convenience and the narrower product depth of traditional banks; pricing, feature sets and market availability have evolved over time, so prospective customers should review current terms, fee schedules and regulatory disclosures before opening an account.