Manage Lunar
What you don't know !
Silent Waste
84%
of people lose money every month on unused services
Lack of Transparency
60%
of users feel lost facing cancellation terms
Budget Illusion
82%
of consumers underestimate the cost of their automatic withdrawals
Fear of Commitment
44%
of subscribers have experienced a 'commercial trap' experience
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Cancel Lunar: Step-by-Step Guide
How to cancel your lunar subscription and protect your money
What lunar is and why you might want to cancel
Lunar is a digital banking app that operates as a mobile-first money manager, offering tiered subscription plans with features like multiple accounts, physical and digital cards, savings tools, and travel insurance. The service positions itself as a flexible alternative to traditional banking, with four pricing tiers ranging from a free Light plan to a premium Unlimited option. If you're reading this from Australia, you're accessing Lunar as an international service, which carries specific implications for billing, refunds, and consumer protections under Australian law.
You might be considering cancellation for several reasons: unexpected charges, unused features, switching to another bank, or simply deciding the monthly fee no longer justifies the benefits. Whatever your reason, understanding Lunar's billing system and your rights as an Australian consumer puts you in control. At Stopee, we help thousands of people navigate subscription cancellations every month, and we've seen the specific patterns that trip up Lunar users.
Understanding lunar's subscription tiers and pricing
Lunar publishes its pricing in Danish kroner (DKK), which means the amount you see charged in Australian dollars varies with exchange rates. Here's a breakdown of what each tier offers and its approximate cost in AUD based on current mid-market conversion rates.
| Plan name | Published price | Approximate AUD | Key features |
|---|---|---|---|
| Light | 0 DKK / month | A$0 | Free tier with basic digital card and money management tools |
| Standard | 39 DKK / month | A$9.13 | Multiple accounts, budgeting tools, interest on balances |
| Plus | 79 DKK / month | A$18.47 | Travel benefits, higher interest rates, additional accounts |
| Unlimited | 139 DKK / month | A$32.59 | Unlimited accounts, metal card options, premium travel cover |
Pro tip: Exchange rates shift daily, so the AUD amount you actually pay may differ from these approximations. Check your credit card or bank statement to see the exact conversion your financial institution applied. Most banks charge a small foreign exchange margin above the mid-market rate.
Common reasons australian users cancel lunar
We've tracked feedback from Lunar customers in Australia, and certain cancellation triggers appear repeatedly. Some users report being charged despite believing they had already cancelled, others find that the notice period (typically the remainder of the current month plus up to 14 business days for account closure) creates unexpected additional charges. A few customers discover that their specific use case no longer aligns with Lunar's features, or they've switched to a local Australian bank that offers comparable services without international billing complexity.
Whatever prompted your decision, the sooner you take action, the sooner you can stop charges and reclaim control of your money.
Written by Sinead Whitlock
Former consumer mediation officer · 9 years experience
I spent years as a mediation officer handling disputes between consumers and providers. I've sat on both sides of a stalled cancellation, so I write from what actually moves a complaint forward — the right wording, sent the right way, to the right team.