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Lunar review

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

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Our verdict

Lunar pairs a free monthly account with a debit card built for business and kids accounts, aimed at readers who want multi-currency, crypto and travel features together. The monthly fee is DKK 0, and conversion costs 1%, the same as the site median of 1%.

Key facts

Best for
A free monthly debit account for business and kids cards that want crypto and multi-currency.
Monthly fee
DKK 0 (Source, checked September 26, 2026)
Currency conversion fee
1% (Source, checked September 26, 2026)
Card type
Debit (Source, checked September 26, 2026)
Card network
Visa (Source, checked September 26, 2026)
Currencies
3 (Source, checked September 26, 2026)
Legal entity
Lunar Block A/S (Source, checked September 26, 2026)
Headquarters
Denmark (Source, checked September 26, 2026)
Founded
2015 (Source, checked September 26, 2026)
Support channels
Help-centre, Chat (Source, checked September 26, 2026)
Features
Multi-currency, Crypto, Travel
Audience
Business, Kids
Official website
lunar.app

Credit cards

Currency conversion fee
1% (Source, checked September 26, 2026)
Legal entity
Lunar Block A/S (Source, checked September 26, 2026)
Headquarters
Denmark (Source, checked September 26, 2026)
Founded
2015 (Source, checked September 26, 2026)
Support channels
Help-centre, Chat (Source, checked September 26, 2026)
Features
Multi-currency, Crypto, Travel
Audience
Business, Kids

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataTrustpilotLinkedInXWikipedia

Pros and cons

Pros

  • No monthly fee at DKK 0, with Lunar ranked at 1 of 419 brands on that measure.
  • Multi-currency, crypto and travel features in the same app, with 3 currencies held side by side.
  • A debit card on the visa network aimed at business and kids users, with Finanstilsynet on record in Denmark under MiCA CASP 984500DD714F66B77454.

Cons

  • Currency conversion costs 1%, and Lunar sits at position 125 of 259 brands on that fee.
  • Support runs on the help centre and chat listed under help centre and chat, so there is no phone line.
  • Currency coverage is 3 currencies, which is narrow for a trip through several markets.
Lunar

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Scored 8.8 / 10 by DebitCue.

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Who it suits

  • Business accounts, one of the business and kids groups Lunar lists, that want crypto and multi-currency in the same app.
  • Parents opening a card for a child, the other business and kids group Lunar names.
  • Travellers who want crypto alongside a Visa debit card rather than a rewards card.

Who should look elsewhere

  • Anyone who needs help on the phone, since Lunar runs on help centre and chat only.
  • Readers who want a secured credit card to build a credit record, such as the Varo Believe Secured Credit Card, while Lunar issues a debit card.
  • Travellers planning a route covering more markets than the 3 currencies Lunar holds.

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 a Lunar account cost each month?+

The monthly fee is DKK 0, so there is no standing charge to keep the account open. Spending in another currency costs 1%, the same as the site median of 1%, so conversion is the cost to watch.

How many currencies can I hold in a Lunar account?+

Lunar covers 3 currencies, which suits a trip with a handful of them rather than a long haul of currencies. Multi-currency, crypto and travel are the features listed for the app: multi currency, crypto and travel.

Who regulates Lunar?+

Lunar is registered in Denmark, where the regulator on record is Finanstilsynet. The listed licence is MiCA CASP 984500DD714F66B77454 and the legal entity behind the app is Lunar Block A/S, so read the terms against that entity before you move money across currencies.

Who is a Lunar account aimed at?+

The listed audiences are business and kids, which points at business accounts and kids cards rather than a general personal bank. A business owner and a parent opening a card for a child both sit inside that scope.

What can I do in the Lunar app?+

The app is built around multi currency, crypto and travel, so multi-currency balances, crypto and travel spending sit in the same place. The card you would use day to day comes with it as a debit card.

How do I get help from Lunar?+

Help runs through the help centre and chat, the channels listed under help centre and chat. There is no phone number on that list, so anything that needs a voice call has to go through the app or the help articles instead.

What kind of card does Lunar issue?+

The card is a debit card on the Visa network: visa. Because it is a debit card, spending comes straight out of the account balance rather than a credit line, and the account is aimed at business and kids users.

Sources

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Free ATM withdrawals, Protection.

Lunar

Lunar

A free monthly debit account for business and kids cards that want crypto and multi-currency.

8.8/10See alternatives