Lumio was nominated for Best Finance App at the British Bank Awards!
Vote for us here
Lumio was nominated for Best Finance App at the British Bank Awards!
Vote for us here

Take control of your money, together

Helping modern couples keep track of all their expenses, cut the cost of household bills, and save together.

⚡️  Track your shared expenses together
⚡️  Keep your personal spending perks and points
⚡️  Avoid the faff of a joint account or spreadsheet

Get the app

Join the 200,000 connected accounts

Featured in
80,000+ users 👫

How couples use Lumio

120+ connections 🏦

See full list of connections

£5.2bn+ 💳

Transactions shared by couples

Control all your finances together with confidence

Shared space to track your shared expenses, bills, balances, and net worth as a couple.

Connect from 100+ bank and credit cards. Control what bills, expenses & accounts you share with your partner.

Track & cancel wasteful household bills, together

Beat the cost of living together with a review of your subscriptions to help you save on your bills.

Lumio finds and tracks all your household bills for you. Keeping tabs on any bill increases - so you can avoid overpaying.

See where all your money goes as a couple

Get on the same page with a single source of truth for all your shared expenses.

Link your joint account and share any expenses from your personal spending accounts to your shared space.

Sync your spending with your payday, and monitor your spending by category or merchant.

Always know where you stand as a couple

Keep track of shared expenses from any account and always know who owes whom, and how much - with Lumio's I Owe You Tracker.

Set your spending split as a percentage to suit you as a couple. Simply settle up in app, any time

Our couples reviews speak for themselves

Join the thousands of couples who are using Lumio.

Apple App Store

“Shared space gives us an instant snapshot of all our shared spending - includes joint account and any bills I pay for with my credit card. Connecting accounts is simple.”

RoryRix1991

Google PlayStore

“Got us on top of all our shared expenses together. Smarter than a spreadsheet, Splitwise etc. Found all our bills and subscriptions for us much faster than other apps."

PrittiX93

Apple App Store

"Me and my bf use our own banks/credit cards for bills and subscriptions - easy to track all the household bills together"

LucyHay01

Apple App Store

"We don't want a join account. Lumio means I can collect points on my AMEX, and track all our shared bills/expenses together as a couple. Clever tool!"

Dunc Stone

Apple App Store

"Super simple app :) Ideal for tracking all our household bills and expenses, together. All calculated for you - no petty arguments or squabbling...well... less!"

haydn89

Google PlayStore

"Used Lumio for more than a year now. Splitwise/Spreadsheets were too faffy - if you need an app to manage shared expenses and bills this is the app"

Nikzna

Google PlayStore

"Tried lots of apps. Lumio is the simplest way to track all our accounts together. Like being able to connect investments for both of us to get the full picture."

GregAlloy88

Apple App Store

"Like Splitwise but without all the data entry and faff. Connect all my accounts and it did the rest :)"

shkshk91
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Get on the same page in minutes

1. Invite your partner

Invite your partner to your shared space.

2. Connect your accounts

Connect any account to your private or shared space

3. Share Expenses

Share any shared bill, expense or balance into your shared space

4. Set up the split % 

Adjust your spending split and always know where you stand

Frequently Asked Questions

Some of our most asked questions. You can view all our FAQ's and Help Guides are here.

How do we keep your data safe?

We prioritise your security at Lumio. We implement robust measures, such as bank-grade 256-bit TLS encryption, to safeguard your data. Your credentials are encrypted separately from personal information and never stored.

Lumio is a read-only service, ensuring that even if your account falls into the wrong hands, no transactions can occur without your pin-code or biometric ID. Our team undergoes regular security training and conducts penetration tests while adhering to open standards like OAuth 2.0 and OpenID Connect. Access to the live system is strictly controlled, and we encourage you to voice any security concerns via our in-app chat for prompt attention.

Your information's safety is our top priority.

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Our security Procedures

We adhere to ISO-27001 information security procedures, a globally recognized standard used by major companies like Google, Microsoft, and Amazon. This certification signifies our commitment to maintaining a robust information security management system, subject to rigorous audits and assessments.It demonstrates our proactive approach to safeguarding consumer data. Our practices include regular checks by a specialized Financial Service compliance team, mapping information asset risks to internal controls through a risk tracker, and implementing the principle of least privilege, ensuring staff access is limited to what's necessary for their tasks. Your data security is our priority.

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Does Lumio store your bank login details?

We encrypt all your credentials and separate them from your personally identifiable information. To retrieve your transaction history your details are automatically unencrypted and used to retrieve your transaction history, then immediately re-encrypted.At Lumio we don’t store any of your login credentials, including passwords.  Lumio app is a read-only service, so if your Lumio account should fall into the wrong hands (for example if your phone is stolen and hacked) no one can make any transactions from your account. In addition to this, to access your Lumio account you must provide a pin-code or biometric ID to log in each and every time.

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Who are Moneyhub?

In order to connect to financial accounts, Lumio uses a trusted third party data aggregation provider called Moneyhub Financial Technologies Ltd. This is a company based in Bristol, which works with leading financial providers to provide Application Programme Interfaces or "APIs" to facilitate the retrieval of data, such as your balances and transactions.We have chosen to work with Moneyhub, because we believe it's the safest and most secure infrastructure with the broadest range of connections in the UK. If you want to know more about them, just visit their site at https://www.moneyhub.com/security and check how they handle security.

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Is Lumio regulated?

We understand that your financial data is sensitive, and you have to be sure that you can trust Lumio before you share it with us. Lumio is registered as a Payment Services Directive Agent of Moneyhub Financial Technology Ltd, which is authorised and regulated by the Financial Conduct Authority.Find out more on the FCA Register https://register.fca.org.uk/s/firm?id=0010X00004Vt4mjQABLumio is also a registered data controller ICO Data Protection Register, and we always act in compliance with data protection legislation. You can find out more about how we keep your data safe here.

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    “The best fintech app”

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    John Carter
    San Francisco, CA
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    Don't take our word for it, take theirs

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    “Got my card in less than 24 hours”

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    Morgan Woods
    San Francisco, CA

    “Best online bank ever”

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    Sophie Moore
    Mountain View, CA

    Stress-free money management
    for couples