Lumio: Mint & Yolt Alternative 4+

Spending, Investments, Pension

Lumio Technologies Limited

Designed for iPhone

    • 4.5 • 136 Ratings
    • Free

iPhone Screenshots


FT: "Financial app to watch" | Metro: "Best savings app for 2022"
FCA Registered + same security as leading banks
MINT for the UK

Download Lumio for FREE to track, save and invest every penny without the faff of a spreadsheet - The Truebill and Mint for the UK.
AI technology that helps you say goodbye to the hassle of switching apps and mental maths - with one smart money dashboard.

Lumio’s smart technology tracks down unwanted bills & subscriptions (like truebill) - helping you avoid overdrafts, and save faster - with insights you won’t get from your bank.


● Track your net worth across with all your accounts nin one money dashboard - including Marcus by goldman sachs

● Save and invest exactly what you can afford when you can afford it

● Manage all your accounts in one place - just like Moneyhub

● Save straight into your existing accounts - including Gohenry, Marcus, Monzo, Rooster Money

● Manage & oragnise all your bills & subscriptions (like Snoop & bobby)

● Track all your spending and expenses (like Emma finance)

● Set clear financial goals and work towards them (just like Mint)

● Get actionable insights you won’t get from your bank

● Track how your spending changes over time

● Manage your finances on a payday-to-payday basis - just like You Need A Budget (YNAB)

● Avoid overdraft charges

● Get matched with the best financial products

● Combine all your pensions - including Pensionbee, nest pension, aegon pension

● Get spending and balance notifications


Lumio offers hundreds of connections, including…  

● Bank accounts: HSBC, Barclays, Monzo, Natwest, Santander, Revolut, Starling & more

● Savings accounts: Marcus by Goldman Sachs, Virgin Money, OakNorth, Nationwide & more

● Credit Cards: American Express (Amex), Barclaycard, Lloyds, Natwest & more

● Cryptocurrency: Coinbase, Revolut, eToro & more coming soon

● Pensions & Investments: Nutmeg, Moneyfarm, Wealthify, EToro, Hargreaves Lansdown, AJ Bell, PensionBee, nest pension, aegon pension & more


We are building the world’s most personalised finance app for people to control and grow their money.

Young savers are faced with the cost-of-living crisis, and alarming levels of inflation, and are unable to afford access to the resources required to fight back. We’re here because we believe everyone deserves the financial security and peace of mind to decide their future.


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 in world-leading banks with military-grade encryption.


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: helping track all your expenses and save & invest every penny you can actually afford.


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


1. Install the Lumio app

2. Securely connect your accounts: Monzo, Starling, GoHenry, Rooster Money, Marcus by Goldman Sachs, AMEX and more

3. Track, save & invest every penny

4. Grow your money on autopilot

Lumio is the free app to help you track spending, bills, budget, and plan your route to success through saving and investing. Whether it is saving money into your Marcus by Goldman Sachs account, investing into your Plum account or moving money into your pension with pensionbee - Lumio is the UK's answer to Mint budgeting. Helping you save and invest every penny you can actually afford.

What’s New

Version 2.0.3

Hey hey Luminions,

A lot of improvements this week! Here's what to look our for:

● You can now edit historical Money Manager transactions to adjust your average spending
● Your excluded transactions are now highlighted in categories
● Getting set up is easier and more automated than ever!

Let us know how you get on!
Team Lumio

Ratings and Reviews

4.5 out of 5
136 Ratings

136 Ratings

J3nw ,

Great for a non-finance-y person!

I have struggled for years with keeping track of different accounts (and managing money)- Monzo for bills, Barclays for personal spending and my credit cards. So helpful to have finally have one place to check my balance and see my outgoings and incomings, particularly for upcoming payments that always used to take me by surprise! I have also used the app to find myself a great fixed saving account with Atom Bank that has been really helpful for my saving goals. Thank you Lumio :)

Developer Response ,

Hey J3nw, thanks for your feedback! We're delighted to hear you've found a new savings account through Lumio and you're seeing more control over your upcoming payments!

Billyg-123 ,

A well designed app to help with online banking

Lumio really has helped my with all my online banking by linking them all into one space. It has also allowed me to compare saving accounts and credit cards to make sure I am getting the most for my money.

I would highly recommend to everyone that has multiple banking apps who want to be able to easily track their money.

Developer Response ,

Great to hear you're loving Lumio Billy! Thank you for recommending us!

Jimbolovel ,

One place for all my accounts

I’ve been looking for something like this for a long time and this app does everything I hoped and more. All my accounts are in one place to give an overview of where I am financially and giving a breakdown of spending across all accounts. It also recommends better accounts if there are any available. So far this is fantastic.

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 Linked to You

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

  • 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 based on, for example, the features you use or your age. Learn More

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