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Give your finances a brain.

Connect your financial life in seconds, get matched with the perfect financial products, and start growing your money on autopilot.

Instant Clarity, Meets Smarter Money.

Together with our community, we built Lumio to enable everyone to take control of their financial future.

Lumio brings instant clarity to your financial life, and because we’re independent, our clever engine works in the background to show you where your savings and investments ought to be growing. We're not tied to any of the large banks, meaning we just find what is best for you.

Connect your accounts in seconds and Lumio gets to work. We connect you with market-leading accounts and continuously find clever ways for you to grow your money. 2 mins of your time. For 24/7 of ours.


Your bank, savings, credit card pension and investments, just came together. Lumio has the broadest range of secure account connections in the market to bring together all your financial accounts, in one place.
• Bank accounts: HSBC, Barclays, Monzo, Natwest, Santander, Starling, and many more
• Savings accounts: Marcus, Virgin Money, OakNorth, Nationwide...
• Credit Cards: American Express, Barclaycard, Lloyds & Natwest, et al...
• Pensions & Investments - Nutmeg, Hargreaves Lansdown, AJ Bell, Pension Bee… the list goes on!

Working across all your accounts, our smart, independent engine instantly summarises your income and spending, and works in the background to find clever ways for you to grow your money.
• Spending: See the brands where you shop across all your bank accounts and credit cards.
• Upcoming payments: Avoid nasty surprises, thanks to our clever direct debit forecasts.
• Grow towards your goal: Optimise your payday with clever insights on growing and allocating your earnings and savings.

• You don’t have time to trawl price comparison sites every day and make sure you’re always making the most of your money. But we do.
• By unlocking the power of our community, Lumio secures market-leading savings accounts and investment products to suit your needs.
• Lumio provides personalised suggestions on savings accounts that can help you grow your money - without spending time on price comparison sites.


• Have total confidence that your money mentor is protected as a result of 256-bit encryption and a 5-number pin.
• The same security used as world-leading banks.

Lumio is registered with the Financial Conduct Authority under the Payment Services Directive for the provision of payment services. Here’s our reference number: 844741

Lumio is registered with the Information Commissioner’s Office in compliance with the Data Protection Act 1998. Data Protection Registration Number: ZA548961

• Lumio is a personal finance app that works just for you across the marketplace.
• We are totally impartial and unbiased, and here to fight your corner.

Our customer support is always here to help. and we always welcome your feedback. Have a question? Got some advice? Missing a connection? Drop us a message in our chat feature or pop an email to feedback@lumio-app.com.

• Step 1: Install the Lumio app
• Step 2: Securely Connect your accounts
• Step 3: Gain clever & personalised insights on growing your money

Part of Sifted’s (backed by the FT) Top 9 fintech apps for 2020

What’s New

Version 1.2.9

Payments is live!

Another big step to managing your entire financial life under one roof. On top of having all your bank account, credit cards, savings, investment and pension accounts in one app, you can now also make payments into them and to anyone else with a bank account.

So, how does it work?...

- Pay anyone you’d like to, from any of your connected bank accounts. Right now, 20 providers enable us to make payments straight from your Lumio app, including Monzo, Barclays, Revolut, Halifax, Starling, HSBC, NatWest with more coming soon.

- Reach your goals faster by moving money between your current and savings accounts in just a few taps.

- And there’s more... soon, automated payments and standing orders will go fully live to grow your money on autopilot.

Thanks to our community of early testers we’ve pinpointed some necessary changes to making the payment process as smooth as possible.

Ratings and Reviews

5.0 out of 5
1 Rating

1 Rating

App Privacy

The developer, Lumio Technologies Limited, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • User Content
  • Identifiers
  • Usage Data
  • Diagnostics

Data Linked to You

The following data may be collected and linked to your identity:

  • Location
  • Contact Info
  • User Content
  • Identifiers
  • Usage Data
  • Diagnostics

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Financial Info
  • Location
  • Contact Info
  • User Content
  • Usage Data

Privacy practices may vary, for example, based on the features you use or your age. Learn More


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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