Denmark
activeFeaturedNeobank
- HQ
- Berlin
- Fee
- Free Standard
Lunar
Danish bank. Finanstilsynet 28002. Garantiformuen €100k. DK/SE/NO. Not an EMI.
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7.4Solid
AlternativesFive questions
At a glance
Is it a bank?
Yes — Bank — Lunar Bank A/S, FT no. 28002, CVR 39697696 (Finanstilsynet). Still read the entity on the statement.
If it fails?
Garantiformuen (Danish Guarantee Fund) up to €100,000 per depositor per bank
Salary?
Not listed. An IBAN or sort code is not automatically a salary account.
Open from abroad?
Residency and KYC are gated. An App Store listing is not proof you can onboard.
Monthly fee
Free SKU plus paid plans — confirm live
Account number
IBAN is part of the pitch — issuing country not stored.
NeoBankDB Verdict
Licence first · score second
7.4
/10 · Solid
Lunar Bank A/S is a Danish bank. Finanstilsynet 28002, CVR 39697696, Aarhus. Garantiformuen up to €100,000. Retail in Denmark, Sweden and Norway. That is a bank IBAN, not Wise. N26 is German EdB. bunq is Dutch DGS. Lunar is Danish Garantiformuen. Directories still call it a wallet because the app is pretty. Read the FT number.
What it is
Founded 2015, bank licence 2019. Lunar Group owns the bank. Directories confuse it with a Swedish EMI. The Danish word on the licence is the review.
Best for: Denmark, Sweden or Norway residents who want a Nordic bank app, not a Lithuanian EMI.
Last checked 2026-08-30. Not advice.
What it does well
- +Named Danish bank
- +Garantiformuen €100k
- +FT number on the footer
- +Not Revolut’s specialised-bank object
What to watch
- −Nordic-resident
- −Paid plans for the useful bits
- −Support noise on Trustpilot
- −Not a global travel champion
Who holds the money
The account
- Platforms
- iOS · Android
- Account types
- Personal · business
- Partner bank
- Lunar Bank A/S (FT 28002)
- Minimum balance
- €0 / DKK 0
- Lowest monthly fee
- Free SKU plus paid plans
- Who can open
- Denmark, Sweden, Norway residents
- Availability
- Denmark · Sweden · Norway
How money actually moves
- Who holds the cash
- Bank balance
- How money moves
- IBAN / SEPA
- Built for
- Personal · Business
- Settlement
- Local rails instant where live; SWIFT slower
- Freeze risk
- Bank-grade; still not freeze-proof
- Card
- Lunar lists a physical card and a virtual card on visa, plus Apple Pay and Google Pay. Confirm the live product in the app — a card is not a current account.
Licence first
Safety
Garantiformuen (Danish Guarantee Fund) up to €100,000 per depositor per bank
Who holds the money: Lunar Bank A/S
- FinanstilsynetBank — Lunar Bank A/S, FT no. 28002, CVR 39697696 · Denmark
Fees
- Monthly
- Free SKU plus paid plans — confirm live
- FX markup
- Plan-gated
- ATM
- Network / plan
- Interest
- Savings SKUs — rates move
Features
- ✓IBAN
- ✓Fee-free core
- ✓Multi-currency
- ✓Apple Pay
- ✓Google Pay
- ✓Virtual card
- ✓Physical card
- –Metal card
- –Crypto
- –Stocks
- ✓Business
- –Kids
- –Halal
- Danish bank IBAN
- DK / SE / NO retail
- Business SKU
- Garantiformuen €100k
- Finanstilsynet 28002
Score
- Safety25%
- 8.4
- Fees20%
- 7.2
- Features15%
- 7.6
- App15%
- 8.2
- Global15%
- 5.4
- Support10%
- 6.4
Change log
Full logLicence
Lunar Bank A/S — Finanstilsynet 28002, Garantiformuen €100k
Danish bank. DK/SE/NO. Not an EMI.
Available in
Straight answers
FAQ
01Is Lunar a bank?
Lunar holds a banking-style licence (Finanstilsynet). Still read the legal entity on the statement, not the app icon.
02How is money protected?
Garantiformuen (Danish Guarantee Fund) up to €100,000 per depositor per bank
03Where is Lunar available?
We list 1 market on NeoBankDB. Residency and onboarding rules still sit with Lunar.
04Card and wallets?
Lunar lists a physical card and a virtual card on visa, plus Apple Pay and Google Pay. Confirm the live product in the app — a card is not a current account.
05Can I open Lunar remotely?
Residency and KYC are gated. An App Store listing is not proof you can onboard from your country.
Ratings and reviews
No published user reviews yet. The NeoBankDB score still comes from licence, fees, and the product — not from an empty star average.
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