Standard

Lunoa Classic

Your everyday Mastercard, available in minutes — no income requirements, open to all.

EUR GBP CHF SEK NOK PLN

25 €/year

Membership fee. No hidden charges.

✓Mastercard accepted in 210+ countries
✓IBAN issued immediately after sign-up
✓No credit check · No income requirement
✓App + SMS banking included
✓Apple Pay & Google Pay
✓Pick up card at any partner point

Open my account Compare all cards

What you get

Everything in Lunoa Classic

Mastercard® Debit

International Mastercard debit card accepted in shops, online and at ATMs in over 210 countries.

Instant IBAN

Receive your IBAN immediately — use it for payroll, benefits, recurring payments and more.

Mobile app

Real-time balance, instant notifications, card freeze/unfreeze, cheque deposit and more.

SMS Banking

No smartphone? No problem. Receive all account info by text message — balance alerts and transaction confirmations.

8,000+ partner points

Deposit or withdraw cash at any of our 8,000+ partner points across Europe.

No overdraft, no nasty surprises

You can only spend what you have. No overdraft, no interest charges, no unexpected fees.

Transparent pricing

What does it cost?

Open my Lunoa Classic

Or compare all cards →

Get your card in 3 steps

1

Sign up online

Fill in your details and upload a valid ID on our website or app. Takes under 3 minutes.

2

Verify your identity

Our automated system checks your ID instantly. Your IBAN is available right away.

3

Pick up your card

Visit any partner point. Show your ID and collect your Mastercard immediately.

Questions about Lunoa Classic

Anyone aged 18+ regardless of nationality, income, employment status or credit history. We accept over 198 nationalities. Previously declined by other banks? You are welcome.

Your IBAN is generated immediately after identity verification — typically within minutes of completing sign-up online.

Yes. Your Lunoa IBAN is a fully functional bank account number. You can give it to your employer, tax authority, benefits agency or any other organisation for direct payments.

Your primary balance is held in EUR. When you pay in GBP, CHF, SEK or another currency, conversion happens automatically at the interbank rate plus a 1.5% fee.

Default limits apply for security purposes and can be adjusted in the app. Contact support if you need higher limits for specific needs.