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Money transfers

Transfer money easily, quickly and securely across Europe and worldwide.

Instant

SEPA transfers in seconds

Send money to any European bank account. Instant transfers arrive in less than 10 seconds, 24/7, even on weekends and holidays.

  • ✓Standard SEPA transfer (next business day)
  • ✓Instant transfer (< 10 seconds)
  • ✓International transfer available (SWIFT)
  • ✓Complete history in the app
Transfer

Instant transfers

Available 24/7. Money arrives in the recipient's account in less than 10 seconds throughout the SEPA zone.

International transfers

Send money to over 200 countries. Competitive fees and transparent exchange rates.

Scheduled transfers

Automate your recurring transfers: rent, subscriptions, automatic savings. Set the date and frequency.

Transfer methods

All the ways to send money

Choose the transfer method that best suits your needs. Fast, secure, and transparent.

SEPA Transfer

SEPA Credit Transfer

Standard method to transfer euros to any bank account in SEPA countries (36 European countries).

Features & Benefits

  • ✓ Free for standard transfers
  • ✓ Funds arrive next business day
  • ✓ Secure processing guaranteed
Send a transfer
Instant Transfer

Instant SEPA Transfer

Real-time fund transfers to most European banks. Available 24/7, including weekends and holidays.

Features & Benefits

  • ✓ Funds credited in seconds
  • ✓ Available 24/7, 365 days a year
  • ✓ Small fee applies (€0.49 per transfer)
Send instant transfer
Direct Debit

SEPA Direct Debit

Set up automatic payments for recurring bills. Authorize merchants to collect payments directly from your account.

Features & Benefits

  • ✓ One-time or recurring mandates
  • ✓ 8-week refund guarantee
  • ✓ Completely free
Set up direct debit
SWIFT Transfer

International SWIFT Transfer

Send funds in any currency to countries outside the SEPA zone. Uses the recipient's bank BIC/SWIFT code.

Features & Benefits

  • ✓ Covers more than 200 countries
  • ✓ Multiple currency options
  • ✓ Online fee and rate calculator
Make a simulation
Multi-currency Transfer

Multi-currency Transfer

Send money in multiple European currencies. Hold and transfer GBP, CHF, SEK, NOK, DKK, PLN, and more.

Features & Benefits

  • ✓ Real mid-market exchange rates
  • ✓ No hidden markup on currency
  • ✓ Instant conversion between currencies
Exchange now
Business Transfer

Business Transfers

Dedicated solutions for businesses. Bulk payments, payroll, supplier payments across Europe and internationally.

Features & Benefits

  • ✓ Bulk payment processing
  • ✓ API integration available
  • ✓ Dedicated account manager
Contact sales
Multi-currency

All European currencies supported

Send and receive money in all major European currencies with transparent exchange rates.

EUR - Euro
GBP - British Pound
CHF - Swiss Franc
SEK - Swedish Krona
NOK - Norwegian Krone
DKK - Danish Krone
PLN - Polish Złoty
CZK - Czech Koruna
HUF - Hungarian Forint
RON - Romanian Leu
BGN - Bulgarian Lev
HRK - Croatian Kuna

How to make a transfer?

1

Open the app

Log in to your Lunoa mobile app.

2

Select "Transfer"

Enter the recipient's IBAN and the amount.

3

Confirm

Confirm with your PIN or fingerprint.

Why Lunoa?

The smart way to transfer money

⚡

Lightning fast

Instant SEPA transfers in less than 10 seconds. Available 24/7.

💰

Low fees

Free standard SEPA transfers. Transparent pricing for all services.

🔒

Fully secure

Bank-grade encryption and fraud protection for all transactions.

Ready to transfer?

Send money across Europe today

Open an account in minutes and start transferring money instantly.

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