In most regions, Luno customers have the option to fund their local currency wallets by making a bank transfer or an instant deposit.
Deposits via bank transfer can take up to 2 days to reflect in your Luno wallet, while instant deposits will reflect almost straight away. Once the deposit arrives, you’ll get an email and a notification on your phone.
Note
Bank transfer deposits are not processed on weekends or public holidays.
Make sure that your deposit reference is 100% correct before you make a deposit. Include your reference number for bank transfers.
We don't accept deposits from third parties, payments must be made in your own name.
Deposit times per country
The times below show how long it takes in your country for bank transfers and instant deposits to show up in your local currency wallet.
The time it takes for your deposit to reflect depends on which deposit option you use:
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Bank transfer: Up to 2 business days
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Instant deposit with PayID: Instant
Note
If your bank is on the New Payments Platform (NPP), bank transfers may be instant. In some cases, however, even NPP banks may have daily limits in place, and deposits above those limits will take up to 2 business days.
SEPA bank transfers take up to 2 business days.
Deposits to your IDR wallet, via Bank transfer with Midtrans or GoPay e-wallet should reflect instantly.
The time it takes for your deposit to reflect depends on which deposit option you use:
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Bank transfer: Up to 24 hours
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Instant transfer with FPX: Instant
Voucher deposits should reflect in your NGN wallet within 24 hours, usually sooner.
The time it takes for your deposit to reflect depends on which deposit option you use:
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Within 5 minutes to 48 hours if you bank with Standard Bank
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Up to 2 business days for all other banks
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Instant transfer with Stitch: Instant
The time it takes for your bank transfer to reflect depends on your bank
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Same day for Stanbic Bank
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Up to 2 business days for all other banks
The time it takes for your deposit to reflect depends on which deposit option you use:
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Debit or credit card: Instant
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Bank transfer: Up to 24 hours
If you’re receiving cryptocurrency, the time it takes to arrive in your Luno wallet will depend on several factors. Read more about confirmations and how long they take.