Lunar review
A Nordic digital bank pairing free personal banking with paid tiers and business tools.
Reviewed by iTechGuides Editors · Editorial team · Updated Nov 2026
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.
Lunar pros and cons
- 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
Lunar fact sheet, pricing and score →
Advertiser disclosure: iTechGuides is reader-supported. Vendors can pay for top positions in our rankings and for a place on other products' pages, and we may earn a commission when you click some links. Bought places stand at the number bought; this page and our disclosure say so. Paying vendors may get a fuller, more detailed review from our editors, and that review can change their score. How we rank.
Last updated · How we research and update