What Lunar is, in 2026

Lunar is a full Danish credit institution (Finanstilsynet-regulated), operating primarily in Denmark, Sweden, and Norway with a secondary EUR product. Around 1 million users.

Feature set: current accounts in DKK / SEK / NOK, a EUR account on request, a small brokerage (Nordic stocks + ETFs), crypto, and a card. The app is minimal — closer in spirit to N26 than Revolut.

Safety and regulation

Full Danish banking licence (Finanstilsynet, 2019) (Finanstilsynet, ). Deposits are covered by the Danish Garantiformuen up to €100,000 equivalent (denominated in DKK). The scheme is harmonised with the EU DGSD, so the legal protection is equivalent to an EU member state DGS.

The in-app crypto offering runs under a separate harmonised licence — MiCA CASP (first in Scandinavia), Oct 2025 (Finanstilsynet, ) — which puts Lunar ahead of any other Nordic mass-market bank on the EU crypto-regulation axis.

Hands-on UX

Quiet app, minimal onboarding, strong card product. The brokerage is not the primary story and won't replace a dedicated broker. Customer support is in-app only; Danish and English are the primary languages.

Who Lunar is for

Choose Lunar if: you're a resident of Denmark, Sweden or Norway wanting a local-language mobile bank with a proper licence.

Look elsewhere if: you're in the Eurozone (N26 or Revolut are more natural), you need multi-currency (Wise), or you want deep features (Revolut).

Premium plans

Our pick
Free
€0 /mo
  • Basic current account
  • Digital card only
  • Basic budgeting
Standard
€5.2 /mo
  • Physical Visa card
  • Auto-savings rules
  • Joint account access
  • Day-to-day banking tools
Plus
€10.6 /mo
  • Worldwide travel insurance
  • 1.55% p.a. savings rate
  • +0.50% savings bonus
  • Priority support
Unlimited
€20 /mo
  • Metal card
  • SAS EuroBonus co-branded card
  • Highest savings rate
  • Unlimited number of sub-accounts

How it stacks up.

Revolut 91
Bank of Lithuania
The most feature-rich neobank globally — combining banking, investing (stocks, crypto, commodities), and travel perks in a single app, with the widest currency support (120+) and 65M+ customers
bunq 87
DNB
Europe's second-largest neobank by deposits (€8B+) with the most granular IBAN-per-sub-account architecture; first new fully licensed bank in the Netherlands in 38 years; strong sustainability angle
N26 85
BaFin
Full German banking license (BaFin) combined with a sleek mobile-only experience; one of the first fully licensed EU neobanks with €100,000 German deposit protection

Or compare side-by-side

Lunar vs Revolut → Lunar vs bunq → Lunar vs N26 →

Lunar in the news.

27 Jan 2026 company
Lunar Raises €46 Million to Fund Business Banking Expansion into Norway and Finland
Danish neobank Lunar secured a €46 million capital increase from existing shareholders and new investors including London-based 100A. The funds are earmarked to scale its business banking proposition and support Nordic expansion with Norway and Finland as primary targets.
 14 Oct 2025 regulatory
Lunar Becomes First Scandinavian Institution to Receive MiCA Crypto-Asset Service Provider Licence
Danish neobank Lunar received authorisation as a Crypto-Asset Service Provider under MiCA in October 2025, becoming the first financial institution in Scandinavia to hold this licence. The authorisation replaced Lunar's prior Finanstilsynet registration and granted a passportable EU-wide crypto licence.
 01 Jul 2025 company
Four Senior Executives Including Co-Founder Depart Danish Neobank Lunar in C-Suite Overhaul
Nordic neobank Lunar saw four senior executives depart simultaneously in July 2025, including co-founder Peter Andreasen, CTO Kåre Kjelstrøm, CEO of Lunar Bank Vibeke Bak Solok, and CCO Mats Persson Bergius. CEO Ken Villum Klausen framed it as a planned transition to operational maturity.
Risk warning EU consumer-finance disclosure

The value of investments and the income from them can go down as well as up. Past performance is no guarantee of future results. Since 30 December 2024, EU crypto-asset service providers (CASPs) require authorisation under MiCAR (Regulation (EU) 2023/1114); however, cryptoassets themselves remain outside the scope of deposit-guarantee schemes. Always read the provider's risk warning before investing.