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Price list for Lunar Privat

1. Account

Type Light Youth Standard Plus Unlimited
Monthly subscription 0 kr.1 0 kr. 29 kr.1 69 kr.1 119 kr.1,2
Primary account 0 kr. 0 kr. 0 kr 0 kr. 0 kr.
Monthly cost for an extra account including joint accounts1,3 19 kr.5 Not available 19 kr.6 0 kr.7 0 kr.8
Overdraft interest 20% N/A 20% 20% 20%

1 Not available for users between 15-17 years of age.

2 There is a fee of DKK 450 if the subscription is cancelled within the first 6 months.

3 The prepaid monthly price is withdrawn from your Lunar account at the time of creation. The recurring payment will take place on the same day each month.

5 As a Light user, you can only be the owner of one joint account. The price is DKK 0. You cannot create a joint account as a Light user or give a power of attourney.

6 Price of the three first accounts. The price is DKK 9 for any extra accounts

7 Price of the first six accounts. The price is DKK 9 for any extra accounts.

8 A maximum of 20 accounts can be created in the app if more contact support is desired.

You pay 20% per year in overdraft interest, which Lunar calculates daily from the amount you have overdrawn. This corresponds to a nominal interest rate of 20% per year and means that the interest cost will be higher the longer the overdraft lasts

2. Interest Rates 9

Type Light Youth Standard Plus Unlimited
Deposit interest rate up to 100.000 kr. 1,50% 1.50% 1.75% 2,00% 2,25%
Deposit interest rate from 100.000 kr. 0% 0% 1.75% 2,00% 2,25%

9 The interest is calculated annually, is variable and is attributed monthly. Lunar can change the interest rate, cf. Lunar's general terms and conditions.

3. Interest savings (valid from 08.08.22)

Type Light Plus Unlimited
Deposit rate 25.000 kr. til 500.000 kr. 0,75 % 1,0 % 1,50 %

Interest savings is a binding three (3) year agreement.

You may terminate the agreement by giving at least thirty-one (31) days’ notice

A fee of 1% is payable for premature termination.

3.1 Interest savings (valid from 12.09.22)

Type Light Plus Unlimited
Deposit rate 25.000 kr. til 500.000 kr. i 1 year 1,0 % 1,25 % 1,75 %
Deposit rate 25.000 kr. til 500.000 kr. i 2 years 1,25 % 1,50 % 2,00 %
Deposit rate 25.000 kr. til 500.000 kr. i 3 years 1,50 % 1,75 % 2,25 %

You may terminate the agreement by giving at least thirty-one (31) days’ notice

A fee of 2% is payable for premature termination.

3.2 Interest savings (valid from 01.10.22)

Type Light Plus Unlimited
Deposit rate 25.000 kr. to 500.000 kr. in 1 year 1,50 % 2,25 % 2,50 %
Deposit rate 25.000 kr. to 500.000 kr. in 2 years 1,75 % 2,50 % 3,00 %
Deposit rate 25.000 kr. to 500.000 kr. in 3 years 2,00 % 2,75 % 3,25 %

You may terminate the agreement by giving at least thirty-one (31) days’ notice

A fee of 2% is payable for premature termination.

3.3 Interest savings (valid from 17.11.22)

Type Light Plus Unlimited
Deposit rate 25.000 kr. to 500.000 kr. in 1 year 1,50 % 2,25 % 2,25 %
Deposit rate 25.000 kr. to 500.000 kr. in 2 years 1,75 % 2,50 % 2,50 %
Deposit rate 25.000 kr. to 500.000 kr. in 3 years 2,00 % 2,75 % 2,75 %

You may terminate the agreement by giving at least thirty-one (31) days’ notice

A fee of 4% is payable for premature termination.

3.4 Interest savings (valid from 01.12.22)

Type Light Plus Unlimited
Deposit rate 25.000 kr. to 500.000 kr. in 1 year 1,50 % 2,00 % 2,25 %
Deposit rate 25.000 kr. to 500.000 kr. in 2 years 1,75 % 2,25 % 2,50 %
Deposit rate 25.000 kr. to 500.000 kr. in 3 years 2,00 % 2,50 % 2,75 %

You may terminate the agreement by giving at least thirty-one (31) days’ notice

A fee of 4% is payable for premature termination.

3.5 Interest savings (valid from 02.02.23)

Type Light Plus Unlimited
Deposit rate 25.000 kr. to 1.000.000 kr. in 1 year 1,50 % 2,00 % 2,25 %
Deposit rate 25.000 kr. to 1.000.000 kr. in 2 years 1,75 % 2,25 % 2,50 %
Deposit rate 25.000 kr. to 1.000.000 kr. in 3 years 2,00 % 2,50 % 2,75 %

You may terminate the agreement by giving at least thirty-one (31) days’ notice

A fee of 4% is payable for premature termination.

3.6 Interest savings (valid from 18.04.23)

Type Light Standard Plus Unlimited
Deposit rate 25.000 kr. to 1.000.000 kr. in 1 years 2,00 % 2,00 % 2,40 % 2,40 %
Deposit rate 25.000 kr. to 1.000.000 kr. in 2 years 2,10 % 2,10 % 2,50 % 2,50 %
Deposit rate 25.000 kr. to 1.000.000 kr. in 3 years 2,20 % 2,20 % 2,60 % 2,60 %

You may terminate the agreement by giving at least thirty-one (31) days’ notice

A fee of 4% is payable for premature termination.

3.7 Interest savings (valid from 19.06.23)

Type Light Standard Plus Unlimited
Deposit rate 25.000 kr. to 1.000.000 kr. i 6 months 2, 30 % 2,30 % 2,50 % 2,50 %
Deposit rate 25.000 kr. to 1.000.000 kr. i 1 years 2, 40 % 2,40 % 2,60 % 2,60 %
Deposit rate 25.000 kr. to 1.000.000 kr. i 3 years 2, 50 % 2,50 % 2,70 % 2,70 %

You may terminate the agreement by giving at least thirty-one (31) days’ notice

A fee of 4% is payable for premature termination.

3.8 Interest savings (valid from 19.06.23)

Type Light Standard Plus Unlimited
Deposit rate 25.000 kr. to 1.000.000 kr. i 6 months 2, 50 % 2,50 % 2,75 % 2,75 %
Deposit rate 25.000 kr. to 1.000.000 kr. i 1 years 2, 70 % 2,70 % 2,90 % 2,90 %
Deposit rate 25.000 kr. to 1.000.000 kr. i 3 years 2, 80 % 2,80 % 3,00 % 3,00 %

You may terminate the agreement by giving at least thirty-one (31) days’ notice

A fee of 4% is payable for premature termination.

3.9 Interest savings (valid from 16.01.24)

Type Light Standard Plus Unlimited
Deposit rate 25.000 kr. to 1.000.000 kr. i 6 months 2,50 % 2,50 % 2,75 % 2,75 %
Deposit rate 25.000 kr. to 1.000.000 kr. i 1 years 2,25 % 2,25 % 2,50 % 2,50 %
Deposit rate 25.000 kr. to 1.000.000 kr. i 3 years 2,00 % 2,00 % 2,25 % 2,25 %

You may terminate the agreement by giving at least thirty-one (31) days’ notice

A fee of 4% is payable for premature termination.

4. Payments and transfers, Denmark21

Type Light Youth Standard Plus Unlimited
Outgoing transfer15,16 3 kr. 0 kr. 0 kr. 0 kr. 0 kr.
Bill payments 3 kr. Ikke tilgængelig 0 kr. 0 kr. 0 kr.
Payment service17,18,19 0 kr. Ikke tilgængelig 0 kr. 0 kr. 0 kr.
Returns per payment service in case of overdraft17,20 250 kr. Ikke tilgængelig 250 kr. 250 kr. 250 kr.

15 The creditor may charge a fee.

16 Apply for both standard and instant transfers

17 The creditor may charge a fee.

18 Not available to customers aged 15–17.

19 Apply for creating/changing of payment service in app

20 A maximum of DKK 500 may be withdrawn for cancellation of payment service

21 A maximum of DKK 200,000 can be transferred daily and DKK 100,000 per transfer.

5. Transfers to and from abroad

Type Light Youth Standard Plus Unlimited
Exchange fee for transfers in currency other than DKK 0,5% 0,5%. 0,5% 0,5% 0,5%
Transfer fee per transfer23 In SEK, NOK or EUR 0 kr. 0 kr. 0 kr. 0 kr. 0 kr.
Transfer fee per transfer23 In currencies other than SEK, NOK or EUR 50 kr. 50 kr.22 50 kr. 50 kr. 50 kr.
Transfers For manual processing. 100 kr. 100 kr.22 100 kr. 100 kr. 100 kr.
Repair fee Repair fee (missing or incorrect crediting account no.) 0 kr. 0 kr. 0 kr. 0 kr. 0 kr.
Notification Telephone notification for amounts less than DKK 200,000 0 kr. 0 kr. 0 kr. 0 kr. 0 kr.
Forwarding 0 kr. 0 kr. 0 kr. 0 kr. 0 kr.
Return. Return of transfer 200 kr. 200 kr. 200 kr. 200 kr. 200 kr.

The latest time of receipt for value on the same day is 1.00 pm. If a payment from abroad is not covered, we reserve the right to reverse the transfer of the amount from the customer’s account.

22It is only possible to receive transfers and not to send them.

23The fee is deducted both when you receive money and when you transfer money

6. Card

Type Light Youth Standard Plus Unlimited
Creation of a physical Visa debit card for primary account 0 kr. 0 kr. 0 kr. 0 kr. 0 kr.
Creation of a physical Visa debit card for additional account24 99 kr. Not available 99 kr. 0 kr. 0 kr.
Delivery fee for physical Visa debit card.25 59 kr. 0 kr. 0 kr. 0 kr. 0 kr.
Creation of a virtual Visa debit card for an account26 0 kr. 0 kr. 0 kr. 0 kr. 0 kr.
Blocking of card 0 kr. 0 kr. 0 kr. 0 kr. 0 kr.
Replacement card 99 kr. 99 kr. 99 kr. 0 kr.27 0 kr.28
Replacement card, Metal Not available Not available Not available Not available 450 kr.
Payment in shops in Denmark and abroad 29 0 kr. 0 kr. 0 kr. 0 kr. 0 kr.
Cash withdrawals from Danish ATMs and foreign ATMs within the EU in DKK and EUR30 9 kr. 9 kr. 9 kr. 0 kr. 0 kr.
Cash withdrawals from foreign ATMs within the EU in currencies other than DKK and EUR 30 19 kr. 19 kr. 19 kr. 0 kr. 0 kr.
Cash withdrawals from foreign ATMs outside the EU regardless of currency 30 19 kr. 19 kr. 19 kr. 0 kr. 0 kr.
Currency surcharge for using cards abroad 1% 1% 1% 0% 0%

24 A maximum of three active physical cards.

25 Applies for delivery of physical Visa Debit Card for the primary account

26 The limit for creating virtual cards is a maximum of one (1) per day and three (3) per continuous thirty (30) days. It is possible to have a maximum of one (1) active virtual card per account.

27 A maximum of three (3) physical replacement cards per year. After this, a fee of DKK 99 per replacement card will be charged

28 A maximum of five (5) physical replacement cards per year. After this, a fee of DKK 99 per replacement card will be charged. Metal cards are not included.

29 The creditor may charge a fee

30 If cash is withdrawn in DKK or a foreign currency from a foreign bank’s ATM or cash register, the bank may charge a fee for this. The fee will appear on the screen dialogue and/or on the foreign bank’s price list

Conversion rates using Visa Debit abroad: for all currencies published on Nets' website , the exchange rate on the business day before the transaction is cleared in Nets, with a currency surcharge, will be applied to the use of cards abroad.

Withdrawal and amount limits per card:

Type Light Youth Standard Plus Unlimited
Cash per day. 5.000 kr. 5.000 kr. 5.000 kr. 5.000 kr. 5.000 kr.
Cash per month 25.000 kr. 15.000 kr. 25.000 kr. 25.000 kr. 25.000 kr.
Product purchases per day 70.000 kr. 30.000 kr. 70.000 kr. 70.000 kr. 70.000 kr.
Product purchases per month 210.000 kr. 30.000 kr. 210.000 kr. 210.000 kr. 210.000 kr.

7. Using a card for top-up

Type Light Youth Standard Plus Unlimited
Price per card top-up31 4 kr. 4 kr. 4 kr. 4 kr. 4 kr.
Minimum amount per card top-up. 100 kr. 100 kr. 100 kr. 100 kr. 100 kr.
Maximum amount per card top-up. 5.000 kr. 5.000 kr. 5.000 kr. 5.000 kr. 5.000 kr.
Maximum daily amount for top-up with card 5.000 kr. 5.000 kr. 5.000 kr. 5.000 kr. 5.000 kr.
Maximum monthly amount for top-up with card 50.000 kr. 50.000 kr. 50.000 kr. 50.000 kr. 50.000 kr.

31 The first top-up is free of charge.

Bank transfers are free and unlimited

8. Other services

Type Light Standard Plus Unlimited
Reminder letter for covering. 0 kr. 0 kr. 0 kr. 0 kr.
Reminder letter for overdraft 0 kr. 0 kr. 0 kr. 0 kr.
Collection letter for overdraft 100 kr. 100 kr. 100 kr. 100 kr.
Processing fee for sending supporting documents in connection with bankruptcy, etc. 1.000 kr. 1.000 kr. 1.000 kr. 1.000 kr.
Processing fee for sending bank statements, etc., in connection with verification cases (e.g. to municipalities and Udbetaling Danmark) 1.000 kr. 1.000 kr. 1.000 kr. 1.000 kr.

9. Lunar Invest32

Type Light Standard Plus Unlimited
Commission, per transaction33 19 kr. 19 kr. 19 kr. 19 kr.
Currency exchange fee, per transaction34 0,5% 0,5% 0,5% 0,5%

32 Not available to customers aged 15–17.

33 For all transactions over DKK 50,000, the commission is 0.1% of the amount.

34 There is a currency exchange fee for all transactions not made in DKK

10. Kreditprodukter35,36,37

10.1 Loans

Type Light Standard Plus Unlimited
Variable interest paid by borrower 5,1-22% 5,1-22% 5,1-22% 5,1-22%
Total credit amount. 10.000 - 150.000 kr. 10.000 - 150.000 kr. 10.000 - 150.000 kr. 10.000 - 150.000 kr.
LLoan period. Up to 5 years Up to 5 years Up to 5 years Up to 5 years
Instalment form. Annuity loans Annuity loans Annuity loans Annuity loans

35 0 kr. in fees and for registration. You pay interest only. There is a 14-day right of cancellation on credit agreements

36 Not available to customers aged 15–17.

37 As there are no additional costs, the interest to be paid by the borrower is the same as the APR.

10.2 Split payments38

Type Light Plus Plus Unlimited
Variable interest paid by borrower 22-22.2% 22-22.2% 22-22.2% 22-22.2%
Total credit amount. Up to 10.000 kr. Up to 10.000 kr. Up to 10.000 kr. Up to 10.000 kr.
Loan period 3, 6 eller 12 months 3, 6 eller 12 months 3, 6 eller 12 months 3, 6 eller 12 months
Instalment form. Annuity loans Annuity loans Annuity loans Annuity loans

38 Payment is made every month

10.3 Credit line39

Type Light Plus Plus Unlimited
Variable interest paid by borrower 8-20% 8-20% 8-20% 8-20%
Total credit amount. Up to 10.000 kr. Up to 10.000 kr. Up to 10.000 kr. Up to 10.000 kr.
Loan period Up to 5 years Up to 5 years Up to 5 years Up to 5 years
Instalment form. Standing loan Standing loan Standing loan Standing loan

39 Due to no additional costs, the debtor's interest rate is the same as the APR.

Lunar Bank A/S, Hack Kampmanns Plads 10 DK-8000 Aarhus C, CVR nr. 39697696