How to make an international payment
Click ‘Pay’.
Click ‘International transfer’.
Follow the steps in the app or on the website.
You’ll receive a confirmation notification when the international payment has been initiated.
Countries for international payments
Lunar offers payments to and from a number of countries, but reserves the right to refuse payments to and from countries that fall outside our risk appetite. Which countries you can send and receive money to and from is shown below:
Costs and fees
When you make a payment in a currency other than SEK, an exchange fee of 0.5% applies. For payments in a currency other than SEK, EUR or NOK, a fixed cost of 75 SEK applies, regardless of whether you’re sending or receiving the payment.
In addition to the above fees, other fees may apply depending on various factors. We therefore always recommend that you check what your international payment may cost in our price list, here.
Currency
We recommend that you transfer in the recipient’s local currency. For example CHF for payments to Switzerland, GBP for payments to the United Kingdom, and so on. If the recipient has a currency account, choose that currency. This often means the international payment reaches the recipient faster.
Processing times for international payments
The estimated time for your payment is shown in the Lunar app once you’ve entered the amount and currency.
Type of payment | When the payment arrives |
Payments within the EU/EEA (SEPA payments) | The recipient normally has the money the next banking day, but at the latest four banking days after Lunar has received the payment order. |
International payments (other currencies/countries) | The payment is sent as soon as possible after Lunar has received the payment order. |
Please note that a payment may be delayed if it needs to be handled manually by us, by the recipient’s bank, or by a bank acting as an intermediary in the payment. Local currency regulations, deadlines and public holidays in the recipient’s country may also potentially delay your payment.
Good to know
You can pay via:
IBAN,
BIC/SWIFT,
SEPA,
to a local account number.
IBAN stands for International Bank Account Number and consists of a country code followed by a number. IBAN identifies the country, bank and recipient and is a format of your international account number. IBAN is used in most of Europe and in a number of other countries outside Europe.
BIC stands for Bank Identifier Code and can also be called a SWIFT code, which stands for Society for Worldwide Interbank Financial Telecommunication. It’s used to identify which bank the payment is going to. SWIFT is the infrastructure that makes international payments possible.
BIC is often used for international payments to countries that don’t use IBAN. To make such a payment, you need to know both the recipient’s local account number and the bank’s BIC.
Lunar’s BIC (SWIFT) is LUNADK2B.