Ultra Premium

Lunoa Metal

The ultimate card. Zero foreign exchange fees in every currency, worldwide. Maximum insurance. Concierge included.

EURGBPCHF USDJPYAll currencies

105 €/year

All Classic + Chrome features included.

✓Physical metal card
✓Zero FX fees — everywhere on Earth
✓10 free ATM withdrawals/month (incl. abroad)
✓All Chrome insurance + extended limits
✓Smartphone insurance
✓Personal concierge service
✓Priority customer support
✓Lounge access (select airports)

Get Lunoa Metal Compare cards

The big difference

Zero foreign fees. Everywhere.

Pay in USD in New York, JPY in Tokyo, GBP in London or AUD in Sydney — your Lunoa Metal card converts at the real exchange rate with absolutely no fee.

Classic

1.5%

Standard conversion fee

Chrome

0.8%

Reduced FX fee

Metal

0%

Zero. Nothing. Nada.

Everything included

The complete Metal package

Zero FX fees worldwide

Spend in any currency at the real market rate. No conversion markup, ever.

Maximum insurance

Medical cover up to 500,000 €, trip cancellation up to 10,000 €, baggage up to 3,000 €.

Smartphone insurance

Covers accidental damage, theft and mechanical breakdown up to 800 €.

Personal concierge

Restaurant reservations, event tickets, travel bookings — your dedicated concierge handles it.

Lounge access

Access to selected airport lounges across Europe with one companion.

Priority support

Skip the queue. Metal cardholders reach a dedicated support team instantly, 24/7.

Pricing — Lunoa Metal

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FAQ — Lunoa Metal

Yes — the Lunoa Metal card is made from a stainless-steel alloy. It has a satisfying weight and premium feel.

Absolutely. You pay the mid-market interbank rate with no markup. Some currencies may have a small liquidity spread from Mastercard's network, but Lunoa adds zero additional fee.

Present your Lunoa Metal card at participating airport lounges. Access details and a list of participating lounges are available in the app.

Contact your concierge via the Lunoa app's dedicated chat. Available 24/7 for restaurant reservations, travel planning, event tickets and more.