Lunar
Lunar: A Nordic digital bank pairing free personal banking with paid tiers and business tools. Ranked #19 of 55 in Neobank Apps by our editors (7.3/10); pricing: Free plan; best for nordic users wanting personal and business banking.
At a glance
- Editor score7.3 / 10
- PricingFree plan
- Best forNordic users wanting personal and business banking
- Free planYes
- Paid from39 DKK/mo
- Account scopeBoth
- Founded2015 · Aarhus, Denmark
- Facts checked14 Nov 2026
Where it wins
- Free Light plan includes a digital card and basic money tools
- Savings, joint accounts, budgets, and international transfers
- Business bookkeeping integrations with Billy, Dinero, and e-conomic
Where it doesn't
- Paid personal plans start at DKK 39 per month
- Personal plan account limits vary by tier
- Travel insurance is limited to the Plus plan
Our verdict on Lunar
Lunar is a digital bank for people and small businesses in the Nordics, with personal accounts and Visa cards alongside separate business banking plans. Its personal plans are available through mobile apps and online banking, while account management features include transfers, budgeting, savings tools, and connections to other banks. The mix suits customers who want day-to-day banking and savings features in one service, as well as businesses looking for account and expense management.
The personal pricing structure starts with Light at DKK 0 per month, including a free account, digital card, and basic money management tools. Standard costs DKK 39 monthly and adds three accounts with physical and digital cards, automatic savings, a joint account, category budgeting, and +0.25% interest on balances up to 100,000 DKK. Plus is DKK 79 monthly, with six accounts, travel insurance, no Lunar withdrawal or exchange fees, and +0.50% variable interest. Unlimited costs DKK 149 monthly and includes unlimited accounts with cards, a SAS EuroBonus Lunar card, a personalized metal card, and +1% variable interest. The interest rates are variable; business plans are separate from these personal tiers.
Lunar’s feature set reaches beyond basic account management: customers can make international transfers using IBAN or BIC/SWIFT, set savings goals and automatic transfers, round up card purchases into savings, and connect accounts from other banks. Apple Pay and Google Pay support widen its payment options, while business bookkeeping integrations include Billy, Dinero, and e-conomic. Lunar says it is licensed and supervised by the Danish Financial Supervisory Authority, and lists chat and phone support. The free plan is a fit for users seeking simple personal banking; customers who need more accounts, travel insurance, or business banking should compare the paid personal tiers or separate business plans.
Your product? Our editors can test Lunar in depth and publish a review, labelled as paid · from $149/mo →
Lunar pricing
All 4 Lunar plans and prices →
Lunar fact sheet
| Free plan | Yes |
|---|---|
| Paid from | 39 DKK/mo |
| Account scope | Both |
| Early pay access | Not verified |
| Cash deposit support | Not verified |
| International transfers | Yes |
| Savings yield | +0.25% Standard; +0.50% Plus; +1% Unlimited (variable) |
| Supported currencies | Not verified |
| Deployment | Cloud, Mobile |
| Platforms | Web, iOS, Android |
| Compliance & security | 2FA |
| Support | Live chat, Phone |
| Built for | Solo, Small business (editorial estimate) |
| Integrations | 5 integrations: Apple Pay, Google Pay, Billy, Dinero, e-conomic |
| Pricing | Free plan (source) |
| Website | lunar.app |
| Facts checked | 14 Nov 2026 |
Lunar integrations
Lunar lists 5 integrations on its own site.
- Apple Pay
- Google Pay
- Billy
- Dinero
- e-conomic
Alternatives to Lunar
- Starling BankA no-monthly-fee UK bank account with budgeting, payments and savings tools.9.3
- bunqFlexible European banking with personal and business accounts, cards, and international transfers.9.2
- MonzoA free UK current account with budgeting tools, card controls and paid feature tiers.9.1
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Reviewed by iTechGuides Editors · Editorial team · Updated Nov 2026
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