Lumio: Save Smart, Invest Wise 4+

Track Your Money. Save Smart‪.‬

Lumio Technologies Limited

Designed for iPhone

    • 4.5 • 134 Ratings
    • Free

iPhone Screenshots



Metro: “Best savings apps for 2022”

Sifted (Financial Times): “Rising financial apps to watch”

Download Lumio for FREE to track, save and invest every penny with peace of mind using AI technology. Say goodbye to switching apps, mental maths, and your financial spreadsheets.

Lumio’s smart technology tracks down unwanted bills & subscriptions so you can avoid overdrafts and grow your money on autopilot with insights you won’t get from your bank.


● Track your net-worth across your entire financial life

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

● Manage all your accounts in one place

● Save straight into your existing accounts

● Manage all your bills & subscriptions

● Set clear financial goals and work towards them

● 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

● Avoid overdraft charges

● Get matched with the best financial products

● Combine all your pensions

● 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, Pension Bee & 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 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


1. Install the Lumio app

2. Securely connect your accounts

3. Track, save & invest every penny

4. Grow your money on autopilot

What’s New

Version 1.5.8

Drum roll

Introducing the first sneak peak of what’s to come with Lumio 2.0.

With this release…

● The app looks, and feels, brand new
● We’re introducing the most personalised-savings tool on the market: Money Manager
● Analytics are more insightful than ever

Let us know how you get on, we’d love to hear from you!

We hope you love it!

Ratings and Reviews

4.5 out of 5
134 Ratings

134 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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