Lunar
Lunar Bank A/S · DK · 4 countries served
Lunar Bank A/S is the first Danish neobank with a full MiCA CASP licence (Finanstilsynet, 2025-10). A banking interface with crypto and stocks in one mobile app. Focus on Scandinavian markets with full DA/SV/NB language support.
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Fees
| Spot maker | 1.49% |
| Spot taker | 1.49% |
| SEPA deposit | Free |
| Card deposit | 0.00% |
| SEPA withdrawal | Free |
| Crypto withdrawal (avg) | €0.00 |
Features
- ✓SEPA transfers
- ✓Bank ID support
- ✓Mobile app
- ✓Two-factor authentication
- ✓Cold storage custody
- −Proof of Reserves
- −Derivatives (futures/perp)
- ✓25+ crypto trading pairs
Supported fiat currencies: EUR, DKK, SEK, NOK
Pros
- ✓First Danish MiCA CASP licence (2025-10)
- ✓Full Danish banking licence (Finanstilsynet, DK)
- ✓Banking + crypto + stocks in one mobile app
- ✓Full DA/SV/NB language support
- ✓DKK/SEK/NOK fiat support
- ✓Modern Scandinavian UX
Cons
- ✗Not available in LV/LT/EE — Scandinavia only
- ✗Limited coin selection (~30)
- ✗Higher spread (~1.5%)
- ✗No Pro UI for active trading
- ✗Mainly DK/SE/NO retail focus
Full review
Lunar — Lunar Bank A/S
Lunar Bank A/S is Denmark's first neobank to hold a full MiCA CASP licence (Finanstilsynet, 2025-10). It combines banking with crypto and stocks in a single mobile app, with a clear focus on the Scandinavian market and full DA/SV/NB language support.
Licensing
Finanstilsynet Denmark issued a MiCA CASP licence on 2025-10-01. Registered in DK with EU passport rights across the remaining 30 EEA countries.
Fees
| Service | Price |
|---|---|
| Spot maker | 1.49% |
| Spot taker | 1.49% |
| SEPA deposit | Free |
| Card deposit | 0% |
| SEPA withdrawal | Free |
| Instant buy spread | 1.49% |
Features
- Supported coins: 25+
- Fiat currencies: EUR, DKK, SEK, NOK
- Mobile app: ✓ yes
- 2FA: ✓ yes
- Cold storage: ✓ yes
- Proof of Reserves: ✗ no / not publicly available
- BankID/MitID: ✓ yes
- Derivatives: ✗ no
Pros
- 🇩🇰 Denmark's first MiCA CASP licence (2025-10)
- Banking + crypto + stocks in a single app
- Full DA/SV/NB/EN interface
- MitID/BankID support
- Native EUR/DKK/SEK/NOK fiat
Cons
- Only ~25 coins
- 1.49% spread — on the high side
- Available in DK/SE/NO/FI only
- No LV/LT/EE language support
- Limited altcoin selection
Summary
An excellent fit for Scandinavian beginners — banking and crypto in one app with DKK/SEK/NOK fiat support. Not suitable for Latvia, Lithuania, or Estonia, as the service is unavailable there.
Review prepared on 2026-05-05 based on official regulatory registers and the company's pricing page. Always check the current fees and terms at https://www.lunar.app before trading.