Even before the cost-of-living crisis hit - modern couples & households had a big problem. Managing money together is messy.
Traditional joint banks accounts were not built with real-world modern relationships in mind. From forgotten subscriptions to unbalanced spending - managing shared finances leads to confusion, anxiety and stress.
Lumio makes it easy for modern couples to take control of their finances together - seamlessly and collaboratively.
We partner with forward-thinking banks and fintechs to deliver smarter, shared money experiences for their customers.
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Lumio brings simplicity and collaboration to couples’ financial lives.
We help banks offer a virtual joint account for modern couples that brings clarity, control, and collaboration to your finances. Whether integrated within existing banking apps or delivered as a custom-branded experience, Lumio gives couples a clear view of their finances — both shared and individual.
We help couples say goodbye to tedious spreadsheets, awkward moments and mental math.
And help banks deepen their relationships with the families of the future.
Our product offering to banks includes:
A standalone, branded app that enhances your digital offering.
A standalone, branded app that enhances your digital offering.
Modern Couples:
We help couples make smarter decisions, avoid money tension, and stay on top of their goals — all in one place.
For Partners:
We help banks and fintechs deepen customer engagement, unlock new revenue streams, and retain the families of the future — without building from scratch.
Lumio was born from a simple frustration - managing money with a partner should bring you closer together - not drive you apart.
Greater financial equality, growing financial independence and the evolution of digital banking have transformed the way couples manage their money together. So much so, more than three-quarters of modern couples have no interest in opening a Joint bank account.
This has created an account gap with startling consequences:
• 46% of couples have reported financial stress, anxiety or abuse in their relationship
• 34% of couples have less than £100 savings - and almost no financial resilience
• Money is the No. #1 reason for break-ups and divorce
What started as a consumer app is now a flexible B2B platform helping forward-thinking banks and fintechs offer better money experiences for modern couples.
Lumio was founded by Tom & Charlie Richardson, alongside an incredible team with experience across fintech, UX, and behavioural science - and we’re on a mission to help couples thrive financially - together.
Lumio is backed by leading fintech operators and supported by partnerships with top-tier open banking platforms.
We're trusted by financial institutions looking to innovate faster and smarter.
Whether you're a bank looking to level up your digital offering or a fintech exploring integration opportunities — we’d love to connect.
Email us at hello@lumio-app.com
