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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 1.0.11

You spoke, we listened :)
You can now log into Lumio using either Face ID or Touch ID:

* Next time you log in, you will see a pop up asking if you would like to enable Touch/Face ID so you can now see all your accounts in one place, without a click of a button.
* You can also turn it on/off anytime by going to: More > Settings > Security > Enable Touch/Face ID.

We have also upgraded some of the designs in the app so your personal finances are looking sharper than ever.

Enjoying Lumio? Please leave us a review. Your feedback is the most important part of helping us improve the product.
Get in touch via the in-app chat or email us at feedback@lumio-app.com

Ratings and Reviews

4.9 out of 5
35 Ratings

35 Ratings

J3nw ,

Great way to take control of your finances

Decided I needed to think more carefully about my savings and downloaded this app to find a high rate saver. So quick and easy to compare all of my options and I’ve found a great rate on a 1 year saver. Also v helpful to have a goal to aim to save to and have all of my accounts in one place!

lcolyer1987 ,

Time saver/money saver!

Great to have all my accounts under one roof. Means I can get everything done in one go rather than switching between apps and inevitably forgetting to do something. Also finally can actually get some advice about what I’m doing without paying through the nose with rates.

Mother_of_four59 ,

Nice app. Works like sky scanner

I’ve used this to compare my current financial accounts and managed to switch to a way better savings account because the app detected it. Very cool stuff. Also good to have everything in one place


Lumio Technologies Limited
156.1 MB

Requires iOS 10.0 or later. Compatible with iPhone, iPad and iPod touch.



Age Rating


  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

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