Opening is done online on our website or via the mobile app in less than 5 minutes. You will need a valid ID (national ID card, passport or residence permit). You then collect your card at your chosen partner point.
Anyone aged 18+ can open a Lunoa account, regardless of nationality (over 198 nationalities accepted), financial or professional situation. Those previously declined by other banks are also welcome.
No income requirements are required. Lunoa is open to everyone, with no proof of income or employment status needed.
Yes, it is possible to open a Junior Card for ages 12-17, with parental or legal guardian consent.
My bank card
After your online registration, go to any partner point. Show your ID and your card will be handed to you immediately.
Yes, the Lunoa card is a Mastercard accepted in over 210 countries and territories. Foreign exchange fees may apply depending on your card (0 fees with Lunoa Metal).
Immediately block your card from the mobile app or by calling our customer service. A new card will be sent to you or available at a partner point.
From the Lunoa app, go to "My cards" then "Add to Apple/Google Wallet". Follow the on-screen instructions. Activation takes less than a minute.
Transfers and payments
Transfers are made directly from the mobile app or web client area. SEPA transfers are executed on the next business day. Instant transfers are available 24/7.
Yes, your Lunoa account has an IBAN that you can give to your employer, tax authority, benefits agency, etc.
Standard SEPA transfers are free. Instant transfers may incur minimal fees depending on your plan.
Deposits and withdrawals
At any partner point and ATMs. The first 3 withdrawals at partner points are free each month.
From the Lunoa app, take a photo of both sides of your cheque. It will be processed within a few business days.
Security
Yes. Lunoa uses end-to-end encryption, two-factor authentication, and monitors all transactions in real time to detect any suspicious activity.
Immediately contact our customer service at the 24/7 emergency number or block your card from the app. We will analyse the situation and refund you according to applicable regulations.
