Depositing money into your Luno wallet is very easy. Once we know a little bit more about you (aka verifying your identity), you can deposit money into your local currency wallet in a few easy steps.

Here's how

  1. Open the Luno app and sign in
  2. Select Wallets from the menu
  3. Choose your local currency wallet
  4. Select Deposit
  5. Choose the method with which you’d like to top-up your wallet
  6. And follow the on-screen prompts from there


You'll have to verify your identity first before you can make a deposit.

Important things to remember

When making a deposit, make sure that 1) you’ve deposited from a local bank account in your own name, 2) you made the deposit from your online banking (we don’t accept cash deposits), and 3) you’ve used the correct unique reference number (starting with BX).

Once we receive your deposit, we’ll automatically add it to your wallet, and notify you via email.

Banks take at least 2 business days to process deposits (longer over weekends, public holidays and when you make a deposit after hours), so that’s how long it’ll take for your money to show up in your local currency wallet.


Please only reach out to us if you haven’t used your unique reference number (starting with BX), or if it’s been longer than 2 business days and your deposit isn’t reflecting yet.

How do I tell Luno a little bit more about myself?

Before making a deposit, we’ll need to confirm your details - like your mobile number and basic personal information. This varies depending on your country, so you can find out more about our accepted documents here.

How long does this deposit method take?

Deposit times depend on your country and on which day of the week the deposit was made. All deposits are allocated automatically as soon as Luno receives them, but in some countries, it may take a little longer before you see the money in your Luno wallet.


You can find more detail on this by checking out our deposit schedule.

For our South African customers

Log in to your online banking (no cash deposits), create a beneficiary, and then make a deposit using Luno’s bank details. To make it a little easier for you, if you bank with ABSA, Standard Bank, Capitec, FNB or Nedbank, you can just search for “Luno” under “Public Beneficiaries”, instead of manually entering our bank details. More about that here.