Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie settingsCookie policy

Lunar review

Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Lunar fits EU users who want a single Visa debit card for crypto and everyday money, licensed by Finanstilsynet under MiCA and with a monthly fee of DKK 0. Its cost edge stops at the monthly charge: conversion fees of 1% and taker fees of 2.5% put trading above the cheapest rivals.

Key facts

Best for
A free monthly card that spends crypto and regular money from one account.
Monthly fee
DKK 0↗
Currency conversion fee
1%↗
Card type
Debit↗
Card network
Visa↗
Currencies
3↗
Legal entity
Lunar Block A/S↗
Headquarters
Denmark↗
Founded
2015↗
Support channels
Help-centre, Chat↗
Features
Multi-currency, Crypto, Travel
Audience
Business, Kids
Official website
lunar.app

Crypto exchanges

Taker fee
2.5%↗
Regulators
ESMA (EU MiCA regulation), Finanstilsynet↗
Withdrawal fee
0 DKK↗
Exchange type
Cex↗

Facts checked September 26, 2026, 5 sources

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataTrustpilotLinkedInXWikipedia

Pros and cons

Pros

  • The personal card carries a monthly fee of DKK 0.
  • Danish supervision from Finanstilsynet under the EU MiCA framework, with licence MiCA CASP 984500DD714F66B77454.
  • Card type is debit on the visa network, covering multi currency, crypto and travel in one app.
  • Crypto withdrawal fees of 0 DKK.

Cons

  • Currency conversion costs 1% and only 3 currencies are held, so most spending abroad converts at that rate.
  • Taker fees of 2.5% on a cex exchange, the top of the range across 1,589 crypto cards.
  • Support runs on help centre and chat only, with no phone line.
Lunar

Ready to try Lunar?

Scored 8.8 / 10 by HodlCue.

See alternatives

Who it suits

  • EU residents who want crypto and everyday spending on one card, since multi currency, crypto and travel sit in the same app.
  • Business users and parents opening kids' accounts, the business and kids audiences Lunar targets.
  • Readers who prefer a regulated Danish setup, with ESMA (EU MiCA regulation) and Finanstilsynet named against the company.

Who should look elsewhere

  • Wise, if conversion is the deciding cost, because Lunar charges 1% on currency conversion.
  • Monzo Flex, for a plain daily spending account with a monthly fee of £0 and no crypto side.
  • Bitpanda, for a card priced in euros with a monthly fee of €0.

The company behind it

Lunar runs as Lunar Block A/S from Denmark, a company founded in 2015. Its Danish regulator is Finanstilsynet, which lists it under licence MiCA CASP 984500DD714F66B77454, and the same legal entity appears in the ESMA register under the EU MiCA framework as a crypto asset service provider. Customer support runs on help centre and chat.

How Lunar compares

Where Lunar is available

Available
Denmark, Norway, Sweden
Licence in Denmark
Finanstilsynet (MiCA CASP 984500DD714F66B77454), checked September 26, 2026, also valid in Norway, Sweden, Denmark

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does the Lunar card cost each month?+

The personal card carries a monthly fee of DKK 0. Currency conversion runs at 1% and exchange trades are charged a taker fee of 2.5%. The monthly charge is the cheap part of the account; the bill grows through trading and through converting currencies Lunar does not hold.

Who regulates Lunar and what does the licence cover?+

Lunar Block A/S is supervised in Denmark by Finanstilsynet and appears in the ESMA register under the EU MiCA framework, with the Danish licence listed as MiCA CASP 984500DD714F66B77454. The regulators recorded for the brand are ESMA (EU MiCA regulation) and Finanstilsynet, both tied to the same Danish entity.

What kind of card is it and which network does it use?+

It is a debit card on the visa network, so purchases draw straight on the account balance rather than a prepaid balance. The card is built around multi currency, crypto and travel, so crypto, multi-currency and travel spending all sit in the same app.

How many currencies does the account hold?+

Lunar holds 3 currencies on the account. Spending in anything outside that set is converted at 1%, which is the number to check against your own spending before opening the account. Multi-currency use is a listed feature, but the holding set is small.

What does trading crypto on Lunar cost?+

Trades run on a cex exchange with a taker fee of 2.5%. That is the priciest part of the pricing here and it sits at the top of the range across the 1,589 crypto cards compared, so frequent trading is what drives the cost of this account.

How do you get money out, and what does it cost?+

Crypto withdrawals carry a fee of 0 DKK, and the app also handles debit card spending on the visa network for everyday purchases. The account keeps 3 currencies, so withdrawals of fiat are simplest in those.

Who is the Lunar account built for?+

The app is aimed at business and kids users, so business money and kids' accounts both sit inside the same offer. The card itself is debit on visa, which makes it usable as an ordinary payment card rather than a crypto-only wallet.

How do you reach Lunar if something goes wrong?+

Support runs on help centre and chat, meaning a help centre and live chat. There is no phone number in that list, so any card or exchange problem is handled in writing or through the chat window in the app.

Sources

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Free ATM withdrawals, Protection.

Lunar

Lunar

A free monthly card that spends crypto and regular money from one account.

8.8/10See alternatives