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As Featured in the Financial Times
• Manage Your Bank, Savings, Credit Cards, & Investments in one app
• Track Bills, Subscriptions & Expenses
• Bank-grade Security

Hate the hassle of tracking all your bills and subscriptions across different accounts? 
Lumio is a personal finance app that gives you control of your entire financial life. in real-time. For Free.

1. Get a single view of all your accounts in one place - Monzo, Natwest, AMEX, Barclaycard. Hargreaves Lansdown, and more than 200 others.
2. Track bills and start saving. Avoid overdrafts, track wasteful subscriptions, and any unwanted recurring payments.
3. Grow your 'leftover' money

Your bank, savings, credit cards, cryptocurrency, investments, and pension, all in one place. Connect all your accounts in seconds to control, save and grow your money on autopilot.

Combining total independence with intelligent technology, we created an app that helps put your money in the right place, at the right time.


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...
• Cryptocurrency: Coinbase, Revolut & EToro all joining soon.
• Pensions & Investments - Nutmeg, Moneyfarm, Wealthify, EToro, Hargreaves Lansdown, AJ Bell, Pension Bee… the list goes on!
• Track Bills, Subscriptions & Spending: See the brands where you shop across all your bank accounts and credit cards. Avoid nasty surprises, thanks to our clever direct debit forecasts.

• Working across all your accounts, our smart, independent engine matches you with the right financial account from across the marketplace - so you can grow your money, in the.
• 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.

• Pay bills, friends, and anyone with total visibility of all your accounts and upcoming bills in one app.
• Set up automatic transfers


• 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: Get matched with the right products
• Step 4: Grow your money on autopilot

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

What’s New

Version 1.2.18

Welcome to Lumio.

This week we have:

• Connections for Trading 212, Nutmeg, Crowdcube, Moneyfarm, Amex
• Lumio Community - You can now access the Community from inside the app
• Faster and quicker way to connect your accounts

Ratings and Reviews

4.5 out of 5
61 Ratings

61 Ratings

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.

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.

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


  • Family Sharing

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

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