Lumio is a money management app created for modern couples. It helps you: Save more. Argue Less. Grow Together.
Think of Lumio as the first joint finance app in your relationship. It gives couples the tools to manage money together — while keeping financial independence.
How Lumio helps couples manage money
With Lumio you have the complete picture both as a couple, but also as an individual.
With Lumio, you can:
See everything in one place: track all your accounts, bills, and subscriptions as a couple.
Share expenses easily: add bills, groceries, or nights out to your shared space — Lumio automatically tracks who owes who.
Stay financially independent: keep using your own bank accounts, credit cards, and rewards, while still managing money together.
Save more, together: spot wasteful subscriptions, reduce bills, and set up shared saving goals.
Unlike a joint account, Lumio gives you the best of both worlds — collaboration and independence.
Key features
Couples use Lumio to:
Securely connect 100+ banks, cards, savings, pensions, and investments.
Track personal and shared spending in one app.
Use the I-Owe-You tracker to see exactly who owes what — no more awkward maths.
Get notified when bills change, refunds land, or your salary arrives.
Monitor your net worth as individuals and as a couple — including savings, pensions, property, and investments.
Stay on top of progress over time, whether you’re budgeting as a couple, planning a family, or building for the future.
Supported accounts
Lumio connects with more than 100 financial providers, including:
Banks: Monzo, Starling, Revolut, Barclays, HSBC, Lloyds, Nationwide, NatWest, Santander, Wise, Chase & more.
Savings: Oaknorth, Marcus, Monzo Pots, Starling Spaces, Kroo & more.
Credit cards: Amex, Capital One, Barclaycard, MBNA, Sainsbury’s & more.
Investments: Nutmeg, Hargreaves Lansdown, Vanguard, AJ Bell, Trading 212, St James’s Place & more.
Pensions: Aviva, Aegon, Legal & General, PensionBee, Royal London & more.
Offline assets: Add property, cars, gold, loans, and mortgages to see your full financial picture.
Why Lumio?
We believe every couple deserves financial clarity and peace of mind.
No more spreadsheets, guesswork, or arguments about “who paid for what.” Lumio makes it simple to see where you stand as a couple, so you can focus on what really matters — your relationship.
💜 Our mission is to transform the way modern couples manage and grow their money, together.
Get started today
You can find us on the App Store and Google Play Store
👉 Download it today and take control of your money — together.