Generally, I am very happy with the service. Unfortunately, you dont offer Credit Cards. Therefore, I am still relying on another bank account as Credit Cards are required in some countries - i.e. for... See more
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Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
Generally things work perfectly. However, I don't like the new "functionality" that the security code changes every hour and you can only see it on the app. In general I would prefer more functions to... See more
Company replied
I call Lunar, in order to have an overview on a service that I purchased few months ago via a promotion. The customer service helped me and he clarified that the service was closed as I decided and... See more
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Easy but without address or bank card, sometimes it's difficult to cash out. Specially, international students or introvert people don't ask for help so easily. Best of luck ❤️🩹🇧🇩🪅
Company replied
Company details
About Lunar Denmark
Written by the company
Welcome to Lunar - Easy banking, all the way
Lunar is a digital bank built on the latest technology, free from legacy systems, rigid thinking and branches. We believe banking should be smarter, easier and cheaper.
Because we are 100% digital, we have no physical branches. Instead, we put all our energy into building the best tools for your money, so you can manage your finances smart and easy straight from your phone.
The Lunar app gives you a whole new overview of your finances and helps you get better control of your money, so you can afford more of what you dream about. That, we believe, is the future of banking. You sign up directly from your phone, and it only takes a few minutes. .
You sign up directly from your phone, and it only takes a few minutes. More than 1.000.000 people are currently using Lunar to spend, save up, take a loan and invest.
Lunar is a digital bank built on the latest technology, free from legacy systems, rigid thinking and branches. We believe banking should be smarter, easier and cheaper.
Because we are 100% digital, we have no physical branches. Instead, we put all our energy into building the best tools for your money, so you can manage your finances smart and easy straight from your phone.
The Lunar app gives you a whole new overview of your finances and helps you get better control of your money, so you can afford more of what you dream about. That, we believe, is the future of banking. You sign up directly from your phone, and it only takes a few minutes. .
You sign up directly from your phone, and it only takes a few minutes. More than 1.000.000 people are currently using Lunar to spend, save up, take a loan and invest.
Contact info
Hack Kampmanns Plads 10, 8000, Aarhus C, Denmark
- support@lunar.app
- lunar.app
4.4
Excellent
29K reviews
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The jouney on lunar has been really…
The jouney on lunar has been really good experience
August 31, 2026
Very easy and quick to set up an…
Very easy and quick to set up an accounting but absolutely awful processing time on transfers. Received a transfer from abroad and had to wait two weeks for them to approve the transfer and validate all documents. Two weeks where they simply blocked the money. Need to improve on this.
September 7, 2026
Unprompted review
Really happy with Lunar Bank
Really happy with Lunar Bank! The app is easy to use, everything feels simple and modern, and the service has been great. Highly recommended!
September 7, 2026
Unprompted review
The app is easy to use
The app is easy to use, it's very simple. And the entire setup of my account went fast. Overall I have a Great experience using Lunar so far.
August 29, 2026
Unresponsive support
I like the Lunar app and have been a customer for few years now, but the customer support got noticeably worse recently. To give an example, it has been 3 weeks since I contacted support to assist with changing my address, but this still hasn't been processed, even though I've provided all the documents and even called the support. I was previously very happy with the smooth processes and quick help I received, but latest experiences make it very frustrating to use a bank with no physical office AND unresponsive digital support.
September 5, 2026
Unprompted review
May use AI-assist with repliesRead more
At Trustpilot, it's all about human content. This business can also access our AI-assisted response tool which helps them draft replies.
The bank is extremely user friendly!
The bank is extremely user friendly, never had a hiccup and provided fantastic services. If it continues this way I'll never go back to a physical bank again.
August 26, 2026
Reply from Lunar Denmark
Hej Sean
Tak for din anmeldelse.
Det glæder os, at du er så godt tilfreds og ikke oplever nogen problemer. Tak, fordi du tog dig tid til at dele din mening!
Med venlig hilsen, Pelle
I have used Lunar for five years
I have used Lunar for five years, always been a happy customer, its my only bank, I use it for everything, except investing, which I use an online investment service for, I even pay 79kr a month and now the AI bot writes me and tells me I should not transfer money to Nordnet anymore. Lunar has really gone downhill since implementing AI bots in everything. A bank where you can’t decide where you transfer money? One that you even pay for? They could just make a competitive solution for investing and it wouldnt be a problem. But theirs is just a white label Saxo Bank solution.
September 4, 2026
Unprompted review
Reply from Lunar Denmark
Hi Niclas
Thank you for sharing your experience.
We are very interested in more details of what you have experienced and figure if there is anyway we can meet these problems and develop on them.
Therefore, we have requested your information so we can reach out.
Being able to talk to you and develop further, will help us a lot on helping you.
I'm looking forward hearing from you.
Best regards
Pelle
Carl quickly helped me with what i’ve…
Carl quickly helped me with what i’ve been needing for so long. I’m really glad he was able to help.
September 4, 2026
Unprompted review
Reply from Lunar Denmark
Hi Maria
Thank you for sharing your experience.
It's great to hear Carl could quickly help you with something you'd needed for so long, we'll be sure to pass your thanks along to him. Thanks for putting it into words!
Best regards, Pelle
The service was excellent
The service was excellent, I had a minor issue with a fraud company and the bankier helped me solve this problem in seconds, so I am very satisfied with Lunar and the bankier Silas.
September 4, 2026
Unprompted review
Reply from Lunar Denmark
Hej Micanet
Thank you for sharing your experience.
We're glad Silas could help you sort out the fraud issue so quickly, and that you're so satisfied, we'll be sure to pass your praise along to him.
Should anything else ever come up, we're always here to help.
Thanks for putting it into words!
Best regards, Pelle
The worker helped and and give a…
The worker helped and and give a solution to my problem very quickly, I'm very satisfied.
September 4, 2026
Reply from Lunar Denmark
Hi Avetis
Thank you for sharing your experience.
It's great to hear your problem was solved so quickly and that you're very satisfied, we'll be sure to pass your praise along to our team member.
Thanks for putting it into words!
Best regards, Pelle
Bad customer service
Bad customer service. Long waiting queues on phone, the person on the phone is not able to help, only to rely messages.
The app works like intended, but for any issues, they are very poorly prepared.
Chatting with the bot in the app is lame.
September 1, 2026
Unprompted review
Reply from Lunar Denmark
Hi Frank
Thank you for taking the time to share your feedback.
I completely understand your frustration. Being met with long waiting times on the phone, only to feel that the person you reach is unable to actually help you, is not the experience we want to provide.
I also appreciate your feedback about our AI assistant. It is meant to make it easier to get quick answers to simple questions, but I agree that it can be frustrating when you have an issue that requires a person to actually look into your case.
We are aware that there are areas where we need to improve, particularly when it comes to making sure customers can get the right help when they need it. Your feedback is therefore valuable, and I will make sure it is passed on internally.
We have requested your contact details through Trustpilot. If you provide them, I would be happy to look into your experience and see if there is anything I can help you with.
Best regards,
Yakup
I would like to express my sincere…
I would like to express my sincere appreciation to Mark for his exceptional support and professionalism. He helped me resolve the issue with my card and regain access to my funds, making what could have been a very stressful situation much easier.
Mark was patient, helpful, and professional throughout the entire process. He took the time to understand the situation and guided me clearly until everything was resolved.
I am very grateful for his assistance and would highly recommend Mark for his excellent customer service and dedication to helping customers.
September 3, 2026
Unprompted review
Reply from Lunar Denmark
Hi Alina
Thank you for sharing your experience, and for the warm recommendation.
It means a great deal to hear that Mark turned a stressful situation into something much easier, taking the time to understand it and guiding you patiently until everything was resolved, we'll be sure to pass your appreciation along to him.
Should anything else ever come up, we're always here to help. Thanks for putting it into words!
Best regards, Pelle
Carl was very helpful and very fast in…
Carl was very helpful and very fast in updating me with the changes he made for me. It was very easy and fast to get the right help from the customer service. Thank you
September 3, 2026
Unprompted review
Reply from Lunar Denmark
Hi Eliza
Thank you for sharing your experience.
It's great to hear Carl was so helpful and quick, and kept you updated on the changes, and that getting the right help was easy and fast.
We'll be sure to pass your thanks along to him.
Thanks for putting it into words!
Best regards, Pelle
Reply from Lunar Denmark
Hi!
Thank you for sharing your experience.
We're glad the free card was a plus for you, and that you're happy with what we offer.
Thanks for putting it into words!
Best regards, Pelle
Quiq and easy
September 3, 2026
Unprompted review
Reply from Lunar Denmark
Hi Nelus
We are pleased that you find our product easy and quick to use.
This is exactly what we are thriving for, so it means a lot!
Thank uou for putting words on your experience
Best regards,
Pelle
Good UI but lacking personal touch and…
Good UI but lacking personal touch and expensive compared to competitors
August 26, 2026
Nearly three weeks to open an account and zero real customer support
UPDATE:
after writing the review the application was actually completed and I was helped by an employee.
-------------------------------
I applied to open an account with Lunar on August 14th. As an EU citizen, I approached them in complete good faith, expecting the seamless onboarding process a modern digital bank usually promises. It is now September 2nd (nearly three weeks later!) and the account is still not open.
Over these weeks, communication has been painfully slow and dismissive. They only reached out twice: first asking about incoming international transfers, and later claiming my ID was not visible, unnecessarily dragging the process out instead of resolving it efficiently.
To make matters worse, actual customer support is non-existent. You are trapped in a loop with an unhelpful AI bot, and despite repeatedly requesting an escalation to a real human agent, no one ever responds.
I trusted to handle basic banking services professionally, but the lack of transparency, excessive delays, and absent support have been extremely frustrating.
September 2, 2026
Unprompted review
Reply from Lunar Denmark
Hi Giuseppe
Thank you for taking the time to share your experience. I am genuinely sorry that your onboarding has taken this long and that you have been left with the feeling that nobody was properly helping you along the way.
Waiting nearly three weeks to get an account opened is a long time, and I completely understand your frustration, especially when you entered the process in good faith and expected the onboarding to be much more straightforward.
I am also sorry that our communication has felt slow and dismissive. Even when an application requires additional information or checks, you should still feel that you know what is happening and where things stand.
We have requested your contact details through Trustpilot. If you provide them, I would very much like to locate your application and see what has happened in your particular case. I cannot promise that I can speed up the application myself, but I can at least make sure that I understand what has happened and see if there is anything I can do to help move things forward.
I am genuinely sorry that this has been your first experience with Lunar. This is certainly not the impression we want to leave with someone who has chosen to become our customer.
I hope you will give us the opportunity to look into this properly.
Best regards,
Yakup
Very bad customer support
Very bad customer support, very long wait lines for customer support, all kinds of technical problems throughout the app and NemKonto. Wouldn't recommend to anyone
September 2, 2026
Unprompted review
Reply from Lunar Denmark
Hi Baris
I am sorry to hear that you have had a poor experience with our customer support and have also experienced issues with both the app and your NemKonto. That is of course not the experience we want to give our customers.
When it comes to NemKonto, however, there is an important distinction that may help explain some of what you have experienced. NemKonto is a public system administered by the Danish Agency for Digital Government. As a bank, we do not administer the NemKonto system itself. We can register or change which of your accounts is designated as your NemKonto, but the actual registration takes place within the NemKonto system.
If you have used the transfer function directly in the Lunar app, that is of course the part we can take responsibility for. If, on the other hand, you have changed your NemKonto directly through NemKonto.dk, the process takes place outside of Lunar. That is why we would like to understand how you attempted to change it, so we can better understand what went wrong.
It is also worth keeping in mind that a NemKonto change does not necessarily take effect immediately. If you are expecting an important public payment around the 1st of the month, we would always recommend initiating the change well in advance rather than waiting until just before the payment date.
As a mobile bank, our approach is that most things should be possible to manage directly in the app without having to rely on customer support. Self service is a big part of our concept, precisely because we want it to be quick and easy for customers to manage things themselves. That said, when something does not work as expected, we of course still need to be there to help.
In that regard, we have also asked for your contact details so that we can look into your specific experience. We would like to understand what happened with your NemKonto, how you attempted to move it, and whether there is something we could have done differently or better.
We are also sorry about the long waiting times when contacting support. We are currently around the turn of the month, when we typically experience additional pressure on our support, but that does not change the fact that it is frustrating to have to wait a long time for help.
We hope you will get back to us with your details so that we can take a closer look at what happened.
Best regards,
Lunar
Cost outweighing Benefits Offered
The price of having Lunar is starting to outweigh the savings interest rate and benefits that they are providing.
August 26, 2026
Reply from Lunar Denmark
Hi Jon
I completely understand where you are coming from. The value of a membership is ultimately very personal, and it should make sense based on how you use your bank and which benefits you actually make use of.
Our memberships are designed so that you can choose the level that fits your needs, whether that is the free Light account or one of the paid memberships with additional benefits, such as higher interest rates, more accounts and cards, travel insurance and other features.
That being said, we appreciate the feedback. We know that the price needs to feel justified by the value you get in return, and that can naturally change over time depending on your needs and how you use the membership.
Thank you for sharing your perspective.
Kind regards
Yakup
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