Lunar: Digital Banking for Modern Life

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Regardless of being 20 years into the 21st Century, banking can typically really feel prefer it’s caught within the 1900s. Sluggish processing instances, fees for making funds (the precise injustice of being charged for paying payments is insufferable), and financial institution web sites that appear to be they have been coded utilizing dial-up broadband are all half and parcel of our each day banking lives.

Organising a checking account as a non-native to the nation is especially difficult: between rigid financial institution opening hours and administrative nightmares, many transferring to Denmark find yourself with out a checking account for weeks, if not months.

“I used to be unable to obtain my first month’s paycheque as a result of financial institution’s gradual setup course of,” explains Rebecca, who moved from London to Copenhagen final November. “Nonetheless, two months later my card lastly arrived.

“All the net ‘help’ I used to be confronted with simply instructed me to attend ‘10 working days and speak to them once more if nothing adjustments.’ Simpler mentioned than executed when you’ll be able to’t entry your cash.”

Lakeisha, who moved from London to Copenhagen in January 2019, had the same expertise:

“I feel I needed to wait two weeks for my card to come back and an extra two weeks for my pin. As a foreigner making an attempt to kind out tax and construct a life for myself right here, having to pay in kilos was irritating and hectic – particularly when having to pay lease. The method was very prolonged and price me much more cash than vital in the long term.”

A streamlined course of might’ve prevented Lakeisha from having to make pointless journeys to the financial institution. As an alternative, “I used to be instructed my account can be open in a few weeks and to return to the financial institution on a particular date. After I got here again, I used to be then requested for my Nationwide Insurance coverage quantity from my dwelling nation.

“There have been numerous administrative hoops to leap by means of.”


Now they’re lastly arrange with accounts, each Rebecca and Lakeisha have had problem utilizing their financial institution’s archaic digital platforms. “It’s additionally a bit arduous to switch cash to buddies,” explains Lakeisha. “Particularly when the MobilePay app isn’t working!”

“It takes such a very long time [to logon] and isn’t simple after I need to rapidly assess my steadiness or make any fast transactions.” Provides Rebecca. “It may be arduous to maintain monitor of funds.”

Digitization has revolutionized the way in which we do just about all the pieces and has made our telephones an integral a part of our lives. It’s how we take pictures, take heed to music, and join with family members. It’s additionally the central hub of our day-to-day: we learn emails, purchase tickets for journey, verify the climate, order meals deliveries, and pay for purchasing. Apps are woven into our private narratives and so they organically feed into our on a regular basis moments.


If our banks are with us for the large moments – beginning college, shopping for a home, retiring – shouldn’t they be woven into the on a regular basis too? With out an built-in service, one that may run at our pace, they will really feel like a roadblock. Nothing brings your day to a crashing holt fairly like being requested to come back again to the financial institution once more subsequent week as a result of another paperwork must be handled.

Lunar is a superb resolution for these searching for a financial institution that works with trendy life. The streamlined digital financial institution has a user-friendly app that makes banking accessible and simple. It options varied useful capabilities comparable to budgeting, spending notifications, transfers, invoice fee, and card freezing, all of which could be managed out of your telephone – plus it’s free to make use of and doesn’t cost for paying payments. Welcome to the long run!


✔   Free transfers and free funds
✔   Smooth and fantastically designed card
✔   App with interactive funds and overviews

Lunar App
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Getting arrange is as simple as utilizing it, because it solely requires a CPR quantity, NemID, and Danish tackle. It takes a couple of minutes to get the app up and working, then (offering there aren’t any points) the digital card is prepared to be used inside a day of opening the account – with the bodily card not far behind. The PIN code is about up utilizing the app, so that you don’t should verify your mailbox on daily basis earlier than you can begin spending.

The app is nice for individuals who need to monitor their spending, as interactive funds capabilities give a simple overview of your funds. You can too set ‘targets,’ as a approach of motivating your self to save lots of. It’s far more compelling to maneuver cash into one thing known as “Cecilie Bahsen gown” than to a financial savings account…


You possibly can handle the cardboard and account immediately from the app, that means no extra being placed on maintain when phoning to report a misplaced card and no extra dashing to the financial institution on a lunch break.

There are many causes to really feel pressured about cash, however how you can entry it shouldn’t be one in every of them. In spite of everything, much less time spent queuing on the financial institution means extra time for spending on stuff you actually love.

Say hi there to the 21st Century and begin banking with Lunar right this moment – discovered extra.

Out there in Denmark, Sweden and Norway.

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