Lunar

Lunar is a fully licensed Nordic digital bank headquartered in Aarhus, Denmark, offering personal and business banking services entirely through a mobile-first app with no physical branches. Founded in 2015 and holding a Danish banking license supervised by the Danish Financial Supervisory Authority (DFSA), Lunar provides customer deposits with Guarantee Fund protection up to €100,000. The platform serves over 1 million users across Denmark, Sweden, and Norway, offering free digital accounts and cards with up to 1% interest, investment tools for stocks, funds, ETFs, and cryptocurrency, budgeting features, joint accounts, travel insurance, loan products, and specialized youth accounts for ages 7–17. Lunar's business banking arm provides accounts and financial tools tailored for small and medium-sized businesses. The company has raised approximately €470 million from investors including HEARTLAND, Seed Capital, and Tencent, and employs over 400 people across its Nordic offices. Lunar differentiates through its ethical investment stance — excluding oil, weapons, and human rights violators — and environmental commitments including ocean cleanup initiatives through Project Blue.