Análise do Lunar Bank 2026: O melhor neobanco para os países nórdicos?
🌍 Apenas países nórdicos
Lunar está disponível apenas na Dinamarca, Suécia e Noruega . Se reside fora destes países, consulte a nossa comparação completa da UE .
Visão geral
The leading Nordic neobank with a full Danish banking license — serves 1M+ personal customers and 40,000 businesses across Denmark, Sweden, and Norway; deepest Nordic market penetration of any digital-only bank
Situação regulamentar e proteção de depósitos
Full Danish banking license (Finanstilsynet regulated, 2019); EUR 100,000 equivalent deposit protection (Danish DGS)
Planos de preços
| Plano | DKK/mês | ~EUR/mês | Principais vantagens |
|---|---|---|---|
| Free | Free | — | Basic account, digital card |
| Standard | DKK 39 | ~€5.20 | ~€5.20/month; day-to-day tools, auto savings, joint account |
| Plus | DKK 79 | ~€10.60 | ~€10.60/month; travel insurance, +0.50% interest bonus |
| Unlimited | DKK 149 | ~€20 | ~€20/month; metal card, highest interest, SAS card, unlimited accounts |
Principais funcionalidades
- Full current account with Visa debit card
- Automatic savings and round-up savings rules
- Budgeting by category
- Joint accounts
- 1.05% interest on savings balance
- Worldwide travel insurance (Plus/Unlimited tiers)
- SAS EuroBonus co-branded card (Unlimited tier)
- Business accounts with automated bookkeeping and bill payment
Prós e contras
✅ Prós
- • Full current account with Visa debit card
- • Automatic savings and round-up savings rules
- • Budgeting by category
- • Joint accounts
- • 1.05% interest on savings balance
❌ Contras
- • Geographically limited to Nordics — not available to most EU customers
- • Smaller product breadth vs. pan-European rivals (no investing/crypto)
- • Niche brand outside Scandinavia
- • Trustpilot score lower than top-tier peers (3.4/5 on neobanks.app Nov 2025)
Recursos de viagem
Comparar todos os bancos para viagem →Câmbio
Sem markupVisa interbank rate on all international card spend — no FX markup. Focused on Nordic cross-border use (DKK/SEK/NOK).
Caixa no exterior
ATM withdrawals abroad: DKK 25 flat fee. Within Nordics: conditions vary by plan.
Seguro viagem
- ✓ Worldwide travel insurance (Plus/Unlimited)
- ✓ Medical emergencies
- ✓ Trip cancellation
- ✓ Luggage
Plus tier (~€10.60/month) includes comprehensive worldwide travel insurance. Unlimited tier includes enhanced cover.
Sala VIP aeroporto
No airport lounge access on any tier.
Multimoeda
Designed for Nordic multi-currency use across Denmark, Sweden, and Norway. Not a global multi-currency platform.
Vantagens de viagem
- • Worldwide travel insurance from Plus tier
- • SAS EuroBonus co-branded card on Unlimited tier (earn airline miles)
- • No FX fees on Visa card spend
- • Designed for Nordic cross-border travel (DKK/SEK/NOK accounts)
- • MiCAR-authorised crypto for travel-related DeFi/spending
Serviços: Cripto, investimento e poupança
Criptomoeda
Disponível- • Buy & sell major cryptocurrencies
- • In-app crypto portfolio
- • Convert crypto to DKK/SEK/NOK
- • First Scandinavian neobank with full MiCAR CASP licence (October 2025)
Custodial; MiCAR CASP authorised
Comparar cripto nos neobancos europeus →Investimentos
Não disponívelLunar não oferece produtos de investimento.
Poupança
DisponívelBase 1.05% + 0.50% bonus on Plus tier
Standard: 1.05%; Plus: 1.55%; Unlimited: 1.55%+ (tier benefits)
Comparar taxas de poupança nos neobancos europeus →Conta empresarial
DisponívelContabilidade: e-conomic, Billy, Dinero
Best for Nordic businesses (Denmark, Norway, Sweden). 40K+ business users. Integrates with Scandinavian accounting software. Danish banking licence with deposit protection. MiCAR-licenced for crypto services.
Comparar todas as contas empresariais →Planos premium
Comparar planos premium de todos os bancos →- • Basic current account
- • Digital card only
- • Basic budgeting
- • Physical Visa card
- • Auto-savings rules
- • Joint account access
- • Day-to-day banking tools
- • Worldwide travel insurance
- • 1.55% p.a. savings rate
- • +0.50% savings bonus
- • Priority support
- • Metal card
- • SAS EuroBonus co-branded card
- • Highest savings rate
- • Unlimited number of sub-accounts
- • Premium travel insurance
| Recurso | Free Grátis | Standard 5.2 €/mês | Plus 10.6 €/mês ★ Melhor valor | Unlimited 20 €/mês |
|---|---|---|---|---|
| Cartão metálico | — | — | — | ✓ |
| Seguro viagem | — | — | ✓ | ✓ |
| Sala VIP aeroporto | — | — | — | — |
| Caixa grátis/mês | — | — | — | — |
| Câmbio grátis/mês | — | — | — | — |
| Taxa de poupança | 1.05% p.a. | 1.05% p.a. | 1.55% p.a. | 1.55%+ |
| Cashback | — | — | — | — |
| Melhores vantagens |
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O nosso veredicto
Lunar é o neobanco de serviço completo mais forte da região nórdica — licença bancária dinamarquesa completa, mais de 1 milhão de clientes e forte penetração no mercado local na Dinamarca, Suécia e Noruega. A sua pontuação de 4,6/5 no site Trustpilot reflete a satisfação genuína dos utilizadores. Fora da Escandinávia, é irrelevante; na região nórdica, é uma das melhores opções, a par do Revolut .