Lumio is a money management app created for the modern couple. Helping you: Save more. Argue Less. And Grow Together.
Lumio is the first finance app in your relationship. Helping couples take control of their money together - without giving up their financial independence.
With Lumio, you can automatically track all your shared expenses, bills and accounts in one place. Helping couples work together to coordinate household bills, save money on wasteful subscriptions and save money, together.
Couples can enjoy all the benefits of a joint account, without giving up their financial independence. So you can manage your expense effortlessly, continue to collect your personal credit card points, and enjoy your personal cashback perks.
With Lumio you have the complete picture both as a couple, but also as an individual.
Lumio uses state-of-the-art security and technology to analyse your finances and give couples the power to know where they stand, and make smarter decisions with their money.
Features
Couples use Lumio to:
Securely manage all your personal and shared money in one app.
Find and cancel wasteful all your household bills and subscriptions.
Track all your shared spending in one place - share any bill or transactions from your personal space to your shared space.
Track where you stand as a couple - Lumio’s I-Owe-You tracker does the hard work for you and gives you one simple balance so you always know ‘who owes whom’ and how much.
Track your net worth - including your savings, investments, pensions, property and mortgages.
See how your spending and net worth progresses over time as a couple or a family.
Receive notifications when:
Your bills or subscriptions go up
You get a refund
Your salary hits the bank
When your partner shares a shared expense
All your finances in one place as couple.
Lumio supports connections with more than 100+ financial providers - here’s just a few:
Bank accounts - Monzo, Starling, Revolut, Barclays, HSBC, Lloyds, Nationwide, Natwest, Santander, Wise, Chase, FirstDirect and more…
Savings accounts - Oaknorth, Marcus, Alicia, Barclays, Monzo Pots, Starling Spaces, HSBC, Kroo, and more…
Credit Cards - American Express, Capital One, Barclaycard, Nationwide, Lloyds, HSBC, MBNA, Santander, Sainsbury’s, Acqua and more…
Wealth & Investments - Nutmeg, Hargreaves Lansdown, AJ Bell, Trading 212, IG, Selftrade, Vanguard, St James’s Place, Brewin Dolphin, Investec
Pensions - Aegon, Legal & General, Aviva, Friends Life, Now Pensions, Pension Bee, Prudential, Royal London, Smart Pension
Offline Accounts - You can even add and create an offline account to link your property, car, physical assets like gold, and any loan or mortgage so you have the full picture of your net worth.
Our mission
We believe every couple deserves the financial clarity and peace of mind to grow together.
We know the modern world is not as black and white as a commitment to a joint account. Lumio is here to give couples the control and flexibility you need.
We aim to bring clarity to couples, so you can focus on your relationship. And not waste time on spreadsheets, pen and paper and having awkward conversations about who paid for this or that.
We believe in delivering an 11-star service. That starts with being 100% committed to customer empathy, caring about you and delivering an exceptional customer experience. We want to transform the way you and your partner can manage your money together.
You can find us on the App Store and Google Play Store