The app itself is easy enough to use, but my main issue has been getting help when something urgent happens. I had a payment problem over a weekend and couldn’t reach anyone who could resolve it in ti... See more
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They have contacted over direct phone call for support. I have got all support instantly..as a buisness owner i am highly satisfied.
Company replied
Great overall. Nordea, Swedbank etc should be ashamed to charge so many fees when lunar is superior and faster in every single way WHILE being super fair with basically zero fees or significant upchar... See more
Company replied
They said it could take up to 15 working days to analyze my application but it took only 9. Richard called me and asked a few questions, then I received an email to deposit the capital and that's it!... See more
Company replied
Company details
- Bank
- also in
- Financial Institution
About Lunar Sweden
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
Stockholm, Sweden
- +4610 555 85 05
- support@lunar.app
- lunar.app/se/privat
4.6
Excellent
10K reviews
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Don't. Just don't.
I chose Lunar Business when I started my company since they didnt have the 2500 sek startup fees and the monthly costs were very low.
Now we're a year in and i'm going to switch to another bank as soon as possible after this happened:
I tried to make an online purchase that I need asap but the total purchase amount was just over 31.000 sek. I got an error in the checkout stating that "transaction exceeds withdrawal limit". It's a safety measure. I get that. So i wanted to raise the limit temporarily. That's not possible.
What is the limit then, you might ask? Cause that info is not available on the page where you compare the vailable plans: the error message i got stated 2000 kr for a "15-17" plan (whatever that might be) and 5000 kr for a light or standard plan. Which turns out to be the private banking plans.
I wrote a question to the AI agent and that responded that the limit was actually 30.000 per day for card purchases. Which is very low for a business account, but okay.
Then the AI agent said "[...] If you need to make a larger purchase, let me know the reason for the purchase, the exact amount, who the recipient is, and if you have any supporting documents (like an invoice or order confirmation). I can then help you forward your request to customer support for a temporary limit increase".
Problem solved, right? After providing all the info the AI bot switched languages and said "thanks, we'll respond within 2-3 days". HOW LONG??
After two days i get a response from a "human". I highly doubt this was an actual human. Best case an prefab autoresponse:
"Hi there,
Your card limit is based on your plan. For Simple, the daily limit is 30,000 SEK, but for Essential and Limitless, it is 100,000 SEK.
To complete this payment, please upgrade your plan 🙏
Here’s how to change your plan: [...]"
I saw my phone light up when I got this message and immediately responded, but the chat already ended with a "please rate your conversation".
ARGH!
Tl;dr:
- Unreasonable limits on (card)purchases that can deadlock your company.
- Slow help
- Contradicting information
If you're considering using Lunar as business bank; please don't. Pay the 2500sek starting costs at a decent bank that's run by people, not robots.
December 3, 2025
Unprompted review
Reply from Lunar Sweden
Hi Johan,
Thank you for sharing for experience and feedback with us.
I'm truly sorry to hear about your experience. We aim for all our customers to feel satisfied and experience smooth processes. So I sincerely apologize to both hear about your experience and getting different information from our AI and human agents.
Our AI is still under progress and can sometimes give out the wrong information, which we apologize for. We continue to update it everyday, and your feedback helps us in our work.
We have 3 different plans depending on which products and services your business is in need of: Simple, Essential and Limitless. These plans have different card limits. For Simple the limit is 30.000 SEK/day. If you want a higher limit, you need to upgrade to either Essential or Limitless.
I've reached out to you in you Lunar app to continue discussing your feedback and how we can improve in the best way for our customers.
All the best,
Alva
If you work within Oresunds agreement - be careful
Was recommended LUNAR by new employer in Denmark: instead i got bunch of problems. Initial registration led me to Swedish Lunar, which is not what my employer needed. The first foundational question when in the an app derailed everything. It's like "Select your country". Since I live in sweden, i chose sweden, how TF i am supposed to know?
Now a whole month later I am not getting paid, and i have to apply again for Danish account. Great: "my address was not found", and now its manual review of Personbevis. I will have to wait for the skat.dk or borger.dk to process my NemKonto application, which took the like 3 weeks to send me a letter, and meanwhile I am out of money.
Also I absolutely HATE the lack of functional website. Everything is done via smartphone only. What is this, some teenager crypto app?
November 24, 2025
Reply from Lunar Sweden
Hi,
Thank you for your feedback.
The first page is the app is meant for either log in to an existing account or apply for a new account. By "Country" we mean in which country you want to apply for an account in, and after choosing country you need to click on "Apply now" so continue with the application.
I understand that this was not communicated clear to you – and I'd like to get in contact with you to hear more about your feedback and improvement proposals. It's through feedback we understand what we can improve.
Lunar is an app-based bank and our private customers can only access the bank through our app, while our business customer can access both our app and internet bank.
Please reach out to us at +46105558505 and ask for me Alva, and I'll handle your feedback and potential questions personally.
Best regards,
Alva
The customer service is absolutely…
The customer service is absolutely amazing. I needed my account opened in order to get started and Freja at Lunar helped me.
November 29, 2025
Unprompted review
Reply from Lunar Sweden
Hi Kaluba, & welcome to Lunar!
We're so happy to hear that you appreciate the service from our case handlers. Your feedback means a lot to us. I have passed your kind message on to Freja.
Best regards,
Alva
im travelling soon
im travelling soon , i have transfer my money from lunar to my revolut because i going vacitions and they ask me the purpose of my transfer i explein to them and they dont respond to me , i even provide my ownership of my revolut and they dont help me , my money stuck there for no reason and soon im going holidays and i dont hvae money . this is terrible i dont know what to do. is been for 20 november and till today i dont have my money in my revolut and in saturday i hvae my holidays .
November 20, 2025
Unprompted review
Reply from Lunar Sweden
Hi Thorill,
Thank you for taking the time to share your feedback with us.
First and foremost, we’re truly sorry to hear about your experience. I can assure you that this is not the experience we want to convey. We aim for all our customers to feel satisfied and experience smooth processes. So, I sincerely apologize to hear about your experience.
I've reached out to you today, and hopefully we'll be able to resolve the delays you're experiencing as soon as possible.
All the best,
Alva
very fast and efficient service
They really solved my questions about business account very quickly! I highly recommend Lunar Bank for business account! Very satisfied.
November 21, 2025
Unprompted review
Reply from Lunar Sweden
Hi Luiza,
Thank you so much for your kind review.
We truly appreciate that you took the time to share your experience – it means a lot to us!
We are so glad to hear that you have had a good experience with Lunar.
Wishing you a wonderful day!
Best regards,
Lunar
Very straightforward and great support.
November 19, 2025
Unprompted review
Reply from Lunar Sweden
Hi Alejandro,
Thank you for your nice review!
We're delighted to hear about your experience with our support. We're very proud of our support, who always put the customer first and always work to make the customer experience a little better. That's why it's great to see that it's appreciated.
All the best,
Alva
The support team in Lunar is absolutely…
The support team in Lunar is absolutely amazing. I contacted Saga and Sigrid with some concerns with my account and they were solved in no time. Very happy with the service.
November 17, 2025
Unprompted review
Reply from Lunar Sweden
Hi Mohammad,
Thank you for your nice review!
We're delighted to hear about your experience with our support. We're very proud of our support, who always put the customer first and always work to make the customer experience a little better. That's why it's great for the support team to see that it's appreciated.
I've forwarded your kind words to Saga and Sigrid.
All the best,
Alva
I have made a EURO international…
I have made a EURO international transaction inside EU and that didnt went through and money returned back after 2 weeks to my account and another time again didnt worked. Seems not working as normal banks. with swish and inside sweden is fine, but outsite is 0. Dont lay on lunar to send or recive money internationally!
October 30, 2025
Unprompted review
Reply from Lunar Sweden
Hi Joel,
Thank you for taking the time to leave a review.
We understand that it can be frustrating when transfers don’t go smoothly, and we of course want to assist you with this. We sincerely apologize for any inconvenience this may have caused.
We value your feedback and would like to understand it better so we can address it internally. I have therefore requested access to your contact details here on Trustpilot.
You are also more than welcome to contact us at +46105558505 or write to us directly in the app. Please ask for me, Alva, and I will personally make sure your feedback is taken care of and help you in the best way possible from here.
Best regards,
Alva
Reply from Lunar Sweden
Hi Dimitrios,
We're delighted to hear that you got fast responses from Markus – that's exactly the banking experience we're working for! I have forwarded your kind words to him.
Thank you so much for your nice review and your five shining stars.
All the best,
Alva
Great bank for a new company
October 28, 2025
Reply from Lunar Sweden
Hi Mark,
Thank you for your nice review.
It's so nice to see that you appreciate our bank! Managing your finances should be easy. Thank you for sharing your experience with us.
All the best,
Alva
Excellent Bank with Great Service
Lunar is an amazing bank! The app is super easy to use, modern, and reliable. Customer support is always friendly and quick to help. I really appreciate how smooth everything works, highly recommended! ⭐⭐⭐⭐⭐
October 28, 2025
Reply from Lunar Sweden
Hi Mattias,
Thank you so much for your kind review.
We truly appreciate that you took the time to share your experience with our app and support – it means a lot to us!
Wishing you a wonderful day ⭐
Best regards,
Alva
Holding My Money Hostage – Unacceptable Service
I am extremely disappointed with Lunar. They are currently holding my own money and refusing to let me transfer it back to my Swedbank account, despite repeated requests.
Their app is glitchy and unreliable—when I tried to upload the required verification documents through the official upload feature, it simply wouldn’t work. After hours of frustration, I managed to send the documents via their in-app “Safe Chat” (which they claim is secure), yet nothing has moved. No confirmation, no update, no resolution.
It’s been days, and I still can’t access or move my own funds. This feels like financial hostage-taking, not banking. For a company that markets itself as modern and user-friendly, the reality is the opposite: poor technical infrastructure, zero transparency, and no real customer support.
I trusted Lunar with my money, and now I regret it deeply. Do not deposit significant funds here unless you’re prepared to potentially lose access to them. I urge Lunar to fix their broken systems and release customers’ money immediately.
October 20, 2025
Unprompted review
Reply from Lunar Sweden
Hi Göran,
Thank you for your review. First and foremost, we’re truly sorry to hear about your experience. I can assure you that this is not the experience we want to convey.
As a bank, we have an obligation to understand how our accounts and products are intended to be used. This is due to our regulatory requirements, including obligations under credit regulations, general terms, and anti-money laundering laws that mandate a high level of customer knowledge.
We aim for all our customers to feel satisfied and experience smooth processes, that of course include our customer knowledge routines. So, I sincerely apologize to hear about your experience with our support and in our app.
Could you please get back to us with your contact information here on Trustpilot? I want to ensure that you receive the service you deserve and that we get a better understanding of the situation. You’re also more than welcome to contact us at 010 555 85 05 or via the chat in the Lunar-app and ask for me.
I look forward to hearing back from you.
All the best,
Alva
One of the best online banks for starting a business!
Lunar Bank has been amazing — the staff are polite, helpful, and always supportive. They made starting my business smooth and stress-free. Highly recommended!
October 23, 2025
Unprompted review
Reply from Lunar Sweden
Hi Hamad,
Thank you so much for your kind review.
We truly appreciate that you took the time to share your experience, and we're happy to hear about your experience with our support. We're very proud of our support, who always put the customer first and always work to make the customer experience a little better. That's why it's great to see that it's appreciated.
Wishing you a wonderful day!
Best regards,
Alva
My Lunar account has been frozen for 7…
My Lunar account has been frozen for 7 days while I’m abroad with my child. No updates, no access to money, and demands for invasive documents. I provided proof for a legal payment, but they ignored me. Unsafe and unprofessional bank — avoid.
April 23, 2025
Reply from Lunar Sweden
Hi Farzad,
Thank you for taking the time to share your feedback with us.
First and foremost, we’re truly sorry to hear about your experience. I can assure you that this is not the experience we want to convey.
As a bank, we have an obligation to understand how our accounts and products are intended to be used. This is due to our regulatory requirements, including obligations under credit regulations, general terms, and anti-money laundering laws that mandate a high level of customer knowledge.
We aim for all our customers to feel satisfied and experience smooth processes, that of course include our customer knowledge routines. So, I sincerely apologize to hear about your experience.
We'd like to get a better understanding of the situation. You’re therefore more than welcome to contact us at 010 555 85 05 or via the chat in the Lunar-app and ask for me.
Best regards,
Alva
October 2025 revolution
Lunar was great until October 2025 when they introduced a fee for "bankgironummer" leading to an 86 % increase of yearly cost in my case and in addition large numbers of small transaction fees. To me it was a very surprising move (in the negative direction).
October 7, 2025
Unprompted review
Reply from Lunar Sweden
Hi Gunnar,
Thank you for sharing your experience with us. We highly value your feedback.
It's correct that we have made a price adjustment effective from October 7 on our additional services like Swish and Bankgiro.
We are always striving to offer competitive prices that suit our customers' needs. At the same time, we put a strong focus on developing our products and services so they can truly make a difference for you and other entrepreneurs.
Pricing is an important part of this work as it helps us continue to improve our offerings and create long-term solutions that support you in the best possible way.
Despite the added price per transaction, we still offer some of the most competitive prices on the market.
I’d love to have a chat with you and hear your feedback on the price increase in more detail. You’re more than welcome to contact us at 010 555 85 05 or through the chat in the Lunar app, and ask for me so I can help you personally.
I look forward to hearing from you!
Best regards,
Alva
Opening a Business Account with Eric
I had a great experience with Eric. He was flexible to Switch between Swedish and English when it was challenging to explain in details his questions. He was clear, patient and shared some great insights. This was quite reassuring, and helped me make my decision to start my account with Lunar Bank.
The process was quite simple, straightforward and had a fast turnaround.
October 9, 2025
Unprompted review
Reply from Lunar Sweden
Hi Dennis,
Wow, what a fantastic review!
We're delighted to hear that you had such a good experience with Eric. That's exactly the banking experience we're working for! I have forwarded your kind words to Eric.
Thank you so much for your nice review and your five shining stars.
All the best,
Alva
Great job.
Great job.
Thanks, Erik and Sigrid for the excellent support!
October 9, 2025
Unprompted review
Reply from Lunar Sweden
Hi Ezio,
Thank you for your nice review!
We're delighted to hear about your experience with our Eric and Sigrid. We're very proud of our support, who always put the customer first and always work to make the customer experience a little better. That's why it's great for the support team to see that it's appreciated. I've forwarded your kind words to them.
All the best,
Alva
Small but mighty
Lunar is very different from big Swedish banks. Sometimes the app and the whole experience feels a bit row compared other banks, but this is more than enough compensated with the cost of their services and the customer support.
Setting up the company account is much easier, cheaper (probably cheapest in Sweden) and faster than with big banks.
Mobile app has some hiccups, but customer support is always very fast to respond in chat and pass info to their dev team.
Also at the time when AI chat bots are everywhere, they became rather an irritation than help. But Lunar's chatbot is surprisingly smart. It understands the context quite well, does some triage and passes information to a real person. I had a chat where I wanted to report a problem, and chatbot didn't ask a single repetitive or irrelevant question, didn't gave any "standard FAQ response", and didn't miss facts from the context.
Lunar doesn't support Swedish Plusgiro payments though, which is a pity. But otherwise is a great option for 1-man-company.
October 9, 2025
Unprompted review
Reply from Lunar Sweden
Hi Anatoly,
Thank you for your review!
We truly appreciate that you took the time to share your experience – it means a lot to us!
We are so glad to hear that you've had a good experience with our support and our AI. If you're experiencing issues with our app, please keep reaching out to our customer support who'll be happy to help.
We actually support both Bankgiro- and Plusgiro payments! In order for it to work, you'll need to write the Plusgiro number exactly like it says on your invoice, with the "-" sign in the right place. Please get back to us if it's not working for you, and we'll of course investigate if further.
All the best,
Alva
Good communication fast and Hassle free…
Good communication fast and Hassle free till now.
October 7, 2025
Reply from Lunar Sweden
Hi Sabbit,
Thank you so much for your kind review.
We truly appreciate that you took the time to share your experience – it means a lot to us!
Wishing you a wonderful day!
Best regards,
Alva
I signed up for Lunar Business…
I signed up for Lunar Business Essential after speaking with a Lunar representative who assured me, in writing, that there would be no per-transaction fees for payment services. On 09 September 2025 I received confirmation of these terms, which gave me real confidence to move forward with Lunar as a partner for my business. However, just weeks after signing, I learned of price changes that include a per-transaction fee of 1.49 SEK, effective October 7, 2025. This change contradicts the terms I was promised before joining and feels like a misrepresentation, even though I understand businesses need to adjust pricing from time to time.
What’s particularly disappointing is not the idea of price updates alone, but the lack of clear, upfront communication and the reliance on promises that weren’t honored. I’m hopeful Lunar will acknowledge the gap between the pre-signup promises and the post-signup changes and offer a remedy—whether reinstating the original terms, providing retroactive credits, or offering a transparent, time-bound path forward.
I still believe Lunar has the potential to be a great partner for small businesses, but I would love to see stronger alignment between what is promised during onboarding and what is implemented later. Clearer, written commitments before onboarding would go a long way toward rebuilding trust.
October 2, 2025
Reply from Lunar Sweden
Hi Mariana,
Thank you for taking your time to share your experience with us. We highly value your feedback.
It's correct that we have made a price adjustment effective from October 7 on our additional services like Swish and Bankgiro.
We are always striving to offer competitive prices that suit our customers' needs. At the same time, we put a strong focus on developing our products and services so they can truly make a difference for you and other entrepreneurs.
Pricing is an important part of this work as it helps us continue to improve our offerings and create long-term solutions that support you in the best possible way.
Despite the added price per transaction, we still offer some of the most competitive prices on the market.
I’d love to have a chat with you and hear your feedback on the price increase in more detail. You’re more than welcome to contact us at 010 555 85 05 or through the chat in the Lunar app, and ask for me Alva.
I look forward to hearing from you!
Best regards,
Alva
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