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

Stress-free money management for couples

For couples that run a household together, but bank separately.  

Get full visibility of all your finances to know where you stand, argue less and progress together. Without the hassle of spreadsheets or mental maths.

Join the 100,000+ connected accounts and download today.

Scan the QR code to download Lumio. 
Join the couples sharing 200,000 connected accounts.

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All your accounts, shared real-time in one place

Get shared visibility and total alignment with your partner. So you can make your next smart move as a team.

Choose what you share, securely

You decide which balances, bills & expenses you share. Keeping you both on the same page  - without the faff of creating a joint account or manual ledgers like Splitwise.

Keep tabs on your shared finances

Track any household expense, from any account. Know where you stand, who contributed and what is owed. So you can settle up fairly and transparently - without mental maths.

Couples love Lumio

Join the thousands who are using Lumio.
“In minutes, we connected everything from our joint account and mortgage, to our kids ISAs - getting personal and family views.”
Rory
Uses Lumio with his wife
"Lumio quickly helped  us manage shared expenses, know where we stand, and settle them up without setting up a joint account. ”
Pritti
Started using Lumio with her partner
"For the first time we no longer run out of money in our joint account, we know what our upcoming costs are, which is a relief."
Paula & Rishi
Both using Lumio

Set up with your partner in minutes

Step 1

Create a secure shared space

Step 2

Instantly invite your partner

Step 3

Connect all your accounts

Step 4

Share any bill or expense

Step 5

Track and plan your next moves as a team

FAQs

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.

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.

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.

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.

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=0010X00004Vt4mjQAB

Lumio 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.

Is your data safe in a Shared Space?

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=0010X00004Vt4mjQAB

Lumio 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.

    “The best fintech app”

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    San Francisco, CA

    “Best online bank ever”

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    Sophie Moore
    Mountain View, CA

    Affordable pricing plans

    Take control of your finances with your partner

    Shared Spaces
    Create Shared Space with your partner
    Your own Personal Space
    Link any type of accounts to your space
    Accounts
    Current accounts, credit card, pension, savings, investments
    Offline accounts
    Track Net-worth
    Unlimited historical net-worth data
    Track your net-worth progress as far as possible
    Snapshot of your NetWorth individually and as a couple
    Money your spending as couple
    Track your everyday spending
    Track all your recurring costs togeather
    See breakdown of who pays for what expense
    Create custom categories for you and your partner
    Money management cycle
    1st to 1st of each month
    Fully customisable
    Payday to payday
    Analytics
    Unlimited historical data
    Spending and income breakdown by category
    Visual & statistical breakdown
    Notifications
    Receive all essential notifications
    Receive all essential alerts and balance updates, upcoming payments, overdraft warnings and transactions.
    Support
    Chat support with the team
    VIP priority support
    Beta feature early access and direct feedback channel
    3 month limit
    3 month limit
    3 month limit
    3 month limit
    3 month limit
    3 month limit
    3 month limit
    £6.99 / monthly
    Premium
    Get started
    Individual user analytics
    Behaviour analytics
    Custom reports
    Custom reports
    Custom reports
    Custom reports
    Custom reports
    Custom reports
    Custom reports
    Custom reports

    Stress-free money management for couples