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Lunar review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Lunar suits people who want interest paid on everyday money and a debit card with no standing charge. The monthly fee is DKK 0, conversion costs 1% and the variable rate on savings runs 0.25% to 1%, paid monthly on current accounts.

Key facts

Best for
A easy access account that pays interest every month with a DKK 0 monthly fee.
Monthly fee
DKK 0↗
Currency conversion fee
1%↗
Card type
Debit↗
Card network
Visa↗
Currencies
3↗
Legal entity
Lunar Block A/S↗
Headquarters
Denmark↗
Founded
2015↗
Support channels
Help-centre, Chat↗
Features
Multi-currency, Crypto, Travel
Audience
Business, Kids
Official website
lunar.app

Savings

Headline rate
0.25% to 1%↗
Rate type
Variable↗
Deposit protection
EU DGS up to EUR 100,000↗
Access terms
Withdraw anytime; interest paid monthly on all current accounts↗
Account kind
Easy access↗
Regulators
ESMA (EU MiCA regulation), Finanstilsynet↗
Pricing model
No monthly fee

Crypto exchanges

Taker fee
2.5%↗
Withdrawal fee
0 DKK↗
Exchange type
Cex↗

Facts checked September 26, 2026, 8 sources

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataTrustpilotLinkedInXWikipedia

Pros and cons

Pros

  • The account is easy access, and you can withdraw at any time with interest paid monthly on all current accounts.
  • A debit card on the visa network with a DKK 0 monthly fee.
  • Deposits are covered by EU DGS up to EUR 100,000.
  • Crypto is a listed feature, with a taker fee of 2.5% and withdrawals at 0 DKK.

Cons

  • Currency conversion costs 1%, the main ongoing charge on top of the DKK 0 monthly fee.
  • The rate is variable, so the 0.25% to 1% range can move.
  • Support runs on help centre and chat only.
Lunar

Ready to try Lunar?

Scored 8.8 / 10 by SumCue.

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Who it suits

  • People who want interest paid monthly on an everyday balance.
  • Travellers and spenders who hold several currencies in one app.
  • Anyone who wants a debit card with no standing charge.

Who should look elsewhere

  • bunq readers who want a euro account with a €0 monthly fee.
  • Wise users who want to weigh a lower conversion fee against 1%.
  • Varo Believe Secured Credit Card users, who have a $0 monthly fee on a different product.

How Lunar compares

Where Lunar is available

Available
Denmark, Norway, Sweden
Licence in Denmark
Finanstilsynet (MiCA CASP 984500DD714F66B77454), checked September 26, 2026, also valid in Norway, Sweden, Denmark

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does Lunar charge to hold the account?+

The monthly fee is DKK 0, and the account runs on a no monthly fee model. Currency conversion is charged at 1%, which is the cost that matters most if you spend in another currency. Card payments go through the visa network.

How much does it cost to change currency?+

Lunar charges 1% for currency conversion, and the account holds 3 currencies. Multi-currency is one of the listed features, alongside crypto and travel, so money can sit in more than one currency inside the app.

What interest do I earn and can I get my money out?+

Interest is variable at 0.25% to 1% on savings, and the account is easy access. You can withdraw at any time, and interest is paid monthly on all current accounts, so the balance keeps earning while it sits.

Is my money protected?+

Deposits are covered by EU DGS up to EUR 100,000. The bank is supervised by ESMA (EU MiCA regulation) and Finanstilsynet, and the crypto side runs under licence MiCA CASP 984500DD714F66B77454 with Finanstilsynet. That scheme covers cash deposits up to the stated limit, not the value of crypto you hold.

What card comes with the account?+

It is a debit card on the visa network, so spending draws straight from the current balance. The account lists business and kids as its audiences and multi currency, crypto and travel among its features.

Can I trade crypto in the app?+

Yes. Lunar runs a cex setup with a taker fee of 2.5%, and crypto is one of the listed features. Withdrawals from the crypto side cost 0 DKK. Trading carries its own risk, separate from the cash deposits held under EU DGS up to EUR 100,000.

Who runs Lunar and where is it based?+

Lunar is run by Lunar Block A/S, based in Denmark, and has been going since 2015. The regulators listed are ESMA (EU MiCA regulation) and Finanstilsynet, and the crypto business holds MiCA licence MiCA CASP 984500DD714F66B77454 with Finanstilsynet.

How do I get help?+

Support runs through help centre and chat. That means a help centre and in-app chat, with no phone line among the channels listed. Questions about the crypto side, including the 2.5% taker fee, go through the same support.

Sources

Compiled from 9 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Free ATM withdrawals, Protection.

Lunar

Lunar

A easy access account that pays interest every month with a DKK 0 monthly fee.

8.8/10See alternatives