What are bank integrations?
Bank integrations mean that, with your consent, banks can share data about your accounts and transactions with other approved services, or let them initiate payments on your behalf. This happens through secure, standardised connections (APIs), which, when powered by Open Banking, are regulated by the EU's PSD2 directive.
Think of it as a door you hold the key to. No one can walk through it without your permission, but once you've unlocked it, your accounting software, for example, can go in and retrieve exactly the information it needs and nothing more.
In practice, bank integrations mean that as a Lunar Business customer, you can:
Automate your bookkeeping: your transactions from Lunar are sent automatically to your accounting software, so you (or your accountant) skip manual entry.
Get a unified overview: see data from your Lunar account directly in the tools you already use to run your business.
Save time: receipts and postings are matched automatically, so your bookkeeping stays up to date without you lifting a finger.
Are bank integrations safe?
Yes. Bank integrations aren't a grey area or a loophole — they're a regulated part of how banks operate across the EU today.
In concrete terms:
You're in control. No third party gets access to your data until you've actively given consent — and you can revoke that consent at any time.
Only approved providers. Only companies authorised by the Danish FSA (Finanstilsynet) are allowed to receive data or initiate payments via Open Banking.
Strong customer authentication. PSD2 requires that access to your data and payments be confirmed with two-factor authentication, just like when you log into the Lunar app.
Lunar itself holds a banking license, is supervised by the Danish FSA, and your money is covered by the Guarantee Fund up to EUR 100,000 (approx. DKK 750,000).
Connecting other applications to Lunar Business
In some cases, you may want to connect to Lunar from other applications. For example, you might want to connect your accounting software so your transactions can be synchronized automatically. These connections happen via Open Banking.
How do I set up a connection?
You start the connection attempt from your accounting software. While following the instructions in the accounting software (which vary depending on the provider), you'll need to approve the connection in the Lunar app.
The connection will show up as a push notification if you have that enabled, and as a message on the home screen reading:
"Approve connection." X would like to connect to your Lunar accounts"
Before you approve the connection, the Lunar app will tell you what the accounting software wants access to:
Accounts and transactions — The accounting software can retrieve information about your accounts and the transactions on them, so your bookkeeping can be updated automatically.
Payment initiation — The accounting software can initiate payments from your Lunar accounts, for example for payroll runs or paying invoices. These still need to be approved by you.
All connections automatically expire after 6 months. After that, you'll need to reconnect in the same way as your initial setup — otherwise, syncing with your accounting software will stop.
Need an accounting program?
Checking my existing connections
You can view your existing third-party Open Banking connections by:
Going to the Profile icon
Opening Third-party connections
Here you can see:
When you set up the connection
When the connection expires
What the connection has access to
Disconnect an existing connection
It's a good idea to check this list regularly, especially if several people in your business have access to set up connections from different accounting software.
Direct Accounting Integrations
Some accounting systems like Dinero, Billy or e-conomic can both be connected using Lunar’s direct integrations, found in Discover, and a connection that uses Open Banking. When you want to connect to these integrations, you should pick which one fits your needs.
I don't recognise the name of a connection
Many accounting programs use special systems or underlying Open Banking partners to set up the connection. That's why the connection's name doesn't always match the name of your accounting software — for example, it might show something with Aiia, if that's who technically facilitates the connection.
If you're unsure about a connection, you should confirm with your accounting software which connection partner they use. You can also always disconnect an unknown connection, since you can always reconnect afterwards — it simply stops the syncing until you reconnect.