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3 The prepaid monthly price is withdrawn from your Lunar account at the time of creation.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.
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 rate is variable and can be changed by Lunar, see 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 2% 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 2% 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 2% 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 2% 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 2% 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 and a maximum of three (3) active virtual cards across accounts.
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 | 15.000 kr. | 15.000 kr. | 25.000 kr. | 25.000 kr. | 25.000 kr. |
| Product purchases per day | 30.000 kr. | 30.000 kr. | 70.000 kr. | 70.000 kr. | 70.000 kr. |
| Product purchases per month | 90.000 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.