Lumio Pro

Trusted by 50,000+ happy couples 👫Couples finances, made easy. Invite a partner, team up, and co-ordinate your spending like a dream team. You decide what gets shared, and what stays private.Download NowAs featured inA shared home to control your financesConnect your accounts, control what you share with your partner, and build financial clarity.Get startedGet startedYou decide what gets Shared - or stays PrivateShare one-off expenses, recurring bills, balances, and transaction histories — or don’t. You decide what your partner can see, and you can make changes anytime.Get startedGet startedCo-ordinate your spending like a proShare any expense and keep track of who paid for what. See where every penny goes with a snapshot of your personal & shared spending.Get startedGet startedTrack & cancel wasteful billsSee all your shared bills & subscriptions. Get price alerts & cancel unwanted bills.Get startedGet startedWhat people are sayingLove Lumio“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.”RoryRix1991Better then splitwise“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."PrittiX93love seeing our bills"Me and my bf use our own banks/credit cards for bills and subscriptions - easy to track all the household bills together"LucyHay01very happy couples"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 StoneSuper simple"Super simple app :) Ideal for tracking all our household bills and expenses, together. All calculated for you - no petty arguments or squabbling...well... less!"haydn89nice and easy to track"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"NikznaFinally we have the full picture"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."GregAlloy88does it all automatically "Like Splitwise but without all the data entry and faff. Connect all my accounts and it did the rest :)"shkshk91 Get started It takes a team to tackle finances Download Join Lumio by signing up Invite Invite your partner via unique link Team up Accept the invite & control what you share Say goodbye to... Lumio eliminates the frustrations of shared expenses with elegant simplicity 📊 Tedious Spreadsheets No more tracking expenses in complex spreadsheets 🧮 Random Mental Maths Let us handle all the calculations automatically 💸 Petty Money Tiffs Clear tracking prevents awkward conversations 😬 Awkward Money Moments Make settling up smooth and transparent securityLumio is powered by secure Open BankingLumio uses the most secure technology - developed in partnership with your bank - to connect your accounts. We never see your bank login details.Lumio is powered by secure Open BankingLumio uses the most secure technology - developed in partnership with your bank - to connect your accounts. We never see your bank login details.Frequently Asked QuestionsHow 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 ProceduresWe 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.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.Join 40,000 happy couplesWe are on a mission to help couples thrive financially — together.© 2025 Lumio Technologies., All Rights reservedGetting StartedFeaturesAboutPrivacy PolicyTerms and ConditionsJoin 50,000 happy couplesWe are on a mission to help couples thrive financially — together. --- Plans & PricingOne simple price for couples to take control of their shared finances, together.Monthly planAnnual planIndividual FreeFreeGet startedGet started for free with our entry level access for individuals.Top Features ⚡️Unlimited Bank ConnectionsTrack all your spending Bills & Subscription Tracker Net Worth TrackerAnalyticsSpending targetsEveryday Benefits 💡3-months historical dataOn-demand data syncsGet notifications Most Popular⚡️Pro Couples£4.49/monthGet started*25% discount when you join as a couple. Dual access to everything under Individual Pro 👇Top Features ⚡️Shared Space (Dual control)Add accounts to your Shared Space Add one-off shared expenses to Shared SpaceHousehold bill trackerI Owe You TrackerEveryday Benefits 💡Unlimited account connectionsUnlimited access to historical dataOn-demand data syncsAnalytics Spending targetsGet notifications Priority supportBeta featuresPro Individual£3/monthGet startedGreat if you're just looking to manage your personal finances.Top Features ⚡️  Track spending payday-to-paydayReal-time bill remindersCustom CategoriesAdd Offline & Manual accountsShared Space (Individual control)Everyday Benefits 💡Unlimited account connectionsOn-demand data syncsAnalytics Spending targetsGet notifications Priority supportBeta featuresIndividual FreeFreeGet startedGet startedGet started for free with our entry level access for individuals.Top Features ⚡️Unlimited Bank ConnectionsTrack all your spending Bills & Subscription Tracker Net Worth TrackerAnalyticsSpending targetsEveryday Features 💡3-months historical dataOn-demand data syncsGet notifications Most popular ⚡️Couples Pro£39.99/yearGet startedGet startedSave £32 / year and enjoy a 50% discount when you subscribe for the annual plan.*Both users get full access to Individual Pro features.Top Features ⚡️Shared Space (Dual control)Add accounts to your Shared Space Add one-off shared expenses to Shared SpaceHousehold bill trackerI Owe You TrackerEveryday Features 💡Unlimited account connectionsUnlimited access to historical dataOn-demand data syncsAnalyticsSpending targetsGet notifications Priority supportBeta featuresIndividual Pro£26.99/yearGet startedGet startedSave 25% when you subscribe for the annual plan.Top Features ⚡️Track spending payday-to-paydayReal-time bill remindersCustom CategoriesAdd Offline & Manual accountsShared Space (Individual control)Everyday Features 💡Unlimited account connectionsUnlimited access to historical dataOn-demand data syncsAnalytics Spending targetsGet notifications Priority supportBeta featuresJoin 40,000 happy couplesWe are on a mission to help couples thrive financially — together.© 2025 Lumio Technologies., All Rights reservedGetting StartedFeaturesAboutPrivacy PolicyTerms and ConditionsJoin 50,000 happy couplesWe are on a mission to help couples thrive financially — together. --- Helping couples thrive financially together 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.Our SolutionLumio 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:‍Whitelabel solutionA standalone, branded app that enhances your digital offering.API-integrated solutionA standalone, branded app that enhances your digital offering.Who we helpModern 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.Why we are differentBuilt for the modern coupleThis is about modern shared finances  - not just solo spending‍Plug-and-play or fully integrated — you chooseUX-first, frictionless design users actually enjoy‍Anonymised intelligence to enhance your roadmapFast deployment, no heavy liftingOur StoryLumio 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 divorceWhat 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.Backed by experienceLumio 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.Let's work together 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.com‍Join 50,000 happy couplesWe are on a mission to help couples thrive financially — together.© 2025 Lumio Technologies., All Rights reservedGetting StartedFeaturesAboutPrivacy PolicyTerms and Conditions --- A guide to getting started with LumioNot sure where or how to start? No problem. ‍We’ve got it all right here! Check out these step-by-step instructions to set up Lumio for you and your partner - and transform the way you manage money together as a couple.Table of contentsStep 1: Get Set UpStep 2: Invite Your PartnerStep 3: Add & Track Bills and SubscriptionsStep 4: Share Your TransactionsStep 5: Set Your Spending CycleStep 6: Track Spending & Categories Step 7: Keep it Fair with the IOU TrackerStep 8: See (& Grow) Your Net WorthQuick Start: Set up in 5 StepsWhat You Need Before You BeginTo get going, you’ll need about 5–10 minutes and a little undivided attention from you and your partner.Here’s what you’ll want to have ready:• Your login details for accounts that you don’t have an app for (don’t worry, we’ll never see them)• Your partner (optional but highly recommended)• Your drink of choice (tea, coffee, something stronger — no judgement)First things first.‍Rule #1. Lumio is made up of two spaces:• Private Space : for your personal finances• Shared Space : for everything you manage together‍‍Rule #2: You are always in control of what you share.‍Now let’s get you started…Step 1: Get Set Up• Download Lumio and create your account. Look out for a verification email to confirm it's really you.• Going forward, you can log in with Face ID (because typing passwords is so 2020).Next, let’s connect your main spending account:• Tap ‘Connect an account’.• Search or scroll to find your bank.•Select your bank, confirm whether it’s a Personal or Joint account, and follow the prompts.• You’ll be taken securely to your banking app or website to approve the connection.‍Important:• We partner with Moneyhub, who are FCA-regulated.• We never see or store your bank login details.• Lumio is fully FCA registered and GDPR compliant. Security is non-negotiable for us.(Learn more about our security here.)⚡️ Pro tip:• Connect any bank accounts or credit cards you regularly use — including Joint Accounts, Amex, Barclaycard, or Capital One.• This gives you the full picture and helps us do our best work. You won’t share anything unless you opt to.‍Joint account?‍Tell us during setup — we’ll treat it like the third wheel it deserves to be (lovingly, of course).Step 2: Invite Your Partner• Send your partner a private invite link — or show them a QR code if they’re sitting right next to you.• They’ll create their own account, link their own accounts, and join your Shared Space automatically.• They'll also have their own Private Space for personal finances.‍⚡️ Top tip:• Allow Lumio notifications. We’ll only send you genuinely useful updates — like when your partner joins, when bills change, or when a sneaky unexpected transaction pops up.‍That’s setup done. Time for the magic. ✨Step 3: Add & Track Bills and SubscriptionsOnce your accounts are connected, Lumio gets straight to work identifying your Recurring Costs — bills, subscriptions, and regular payments.• Look out for a pop-up prompting you to review your recurring costs.• Check through the list. If we mistake your favourite coffee shop for a recurring cost (it happens), simply untick it.• Confirm the list.‍Want to share certain bills with your partner?‍Tap the eye icon next to a bill:• 👁  Blue Eye = Shared• 🚫 Line-through Eye = Private‍Shared bills stay shared — you won’t need to re-share them each month.Find your recurring costs anytime in the Spending tab.We’ll keep suggesting new ones as they appear.Step 4: Share Your TransactionsManaging money together means having a clear view of who’s spending what.You can easily share any personal transaction into your Shared Space:‍Three easy ways to share:1. Tinder-style transaction review — swipe right to share, left to keep private (yes, really)2. Transaction screen — tap ‘Share transactions’3. Press and hold — one-off or bulk share any expenseOnce shared, transactions will appear in your Shared Space under Everyday Spending or Recurring Costs, depending on what they are. More on this in Step 6.Step 5: Set Your Spending CycleEveryone manages money a little differently — month-to-month, payday-to-payday, week-to-week.Lumio lets you set your cycle to match your real life:• Head to the Spending tab.• Tap the date range below the carousel.• Tap ‘Set Cycle’ in the top right corner and pick your start date.Now your spending and budgets will align perfectly with your payday or chosen cycle.Step 6: Track Spending & CategoriesYour spending in Lumio falls into two main groups:• Everyday Spending — groceries, nights out, impulse buys‍• Recurring Costs — bills, subscriptions, regular paymentsYou’ll also see a Total Spent figure (Everyday Spending + Recurring Costs).Lumio automatically categorises each transaction — but you can:• Change categories if needed• Create your own custom categories⚡️ Top Tip:‍Big retailers like Amazon often need a bit of manual sorting!In the Shared Space, you’ll see who paid for what across all categories.Step 7: Keep it Fair with the IOU TrackerWhen you and your partner are splitting bills, Lumio’s IOU Tracker keeps it clear and drama-free.• See exactly who owes who, and how much.• Adjust your split (50:50, 60:40, 70:30 — whatever works for you).• Settle up when needed, directly in the app or outside it (then mark it settled).‍Find it:‍• Go to the Spending tab of your Shared Space.• Swipe to the end of the carousel to find the IOU Tracker. No more awkward chats. No more spreadsheets. Just fair, simple money management.Step 8: See (and Grow) Your Net WorthYour Net Worth = Everything you own - Everything you oweLumio brings it all together, so you get a real-time snapshot — solo or together.‍To track all your assets and liabilities:• Go to the Accounts tab.•Tap ‘Connect Account’ or ‘Add Offline Account’ (for things like property, cars, or rare Beanie Baby collections — hey, we’re not judging).• Choose the account type: savings, mortgage, loan, investment, property, etc.• Confirm if you want to keep it Private or make Shared.You can even filter which accounts to include when comparing how your net worth changes over time.What You Need Before You BeginTo get going, you’ll need about 5–10 minutes and a little undivided attention from you and your partner.Here’s what you’ll want to have ready:• Your login details for accounts that you don’t have an app for (don’t worry, we’ll never see them)• Your partner (optional but highly recommended)• Your drink of choice (tea, coffee, something stronger — no judgement)First things first.‍Rule #1. Lumio is made up of two spaces:• Private Space : for your personal finances• Shared Space : for everything you manage together‍‍Rule #2: You are always in control of what you share.‍Now let’s get you started…Step 1: Get Set Up• Download Lumio and create your account. Look out for a verification email to confirm it's really you.• Going forward, you can log in with Face ID (because typing passwords is so 2020).Next, let’s connect your main spending account:• Tap ‘Connect an account’.• Search or scroll to find your bank.•Select your bank, confirm whether it’s a Personal or Joint account, and follow the prompts.• You’ll be taken securely to your banking app or website to approve the connection.‍Important:• We partner with Moneyhub, who are FCA-regulated.• We never see or store your bank login details.• Lumio is fully FCA registered and GDPR compliant. Security is non-negotiable for us.(Learn more about our security here.)⚡️ Pro tip:• Connect any bank accounts or credit cards you regularly use — including Joint Accounts, Amex, Barclaycard, or Capital One.‍• This gives you the full picture and helps us do our best work. You won’t share anything unless you opt to.‍Joint account?‍Tell us during setup — we’ll treat it like the third wheel it deserves to be (lovingly, of course).Step 2: Invite Your Partner• Send your partner a private invite link — or show them a QR code if they’re sitting right next to you.‍• They’ll create their own account, link their own accounts, and join your Shared Space automatically.‍• They'll also have their own Private Space for personal finances.‍⚡️ Top tip:• Allow Lumio notifications. We’ll only send you genuinely useful updates — like when your partner joins, when bills change, or when a sneaky unexpected transaction pops up.‍That’s setup done. Time for the magic. ✨Step 3: Add & Track Bills and SubscriptionsOnce your accounts are connected, Lumio gets straight to work identifying your Recurring Costs — bills, subscriptions, and regular payments.• Look out for a pop-up prompting you to review your recurring costs.• Check through the list. If we mistake your favourite coffee shop for a recurring cost (it happens), simply untick it.• Confirm the list.‍Want to share certain bills with your partner?‍Tap the eye icon next to a bill:• 👁  Blue Eye = Shared• 🚫 Line-through Eye = Private‍Shared bills stay shared — you won’t need to re-share them each month.Find your recurring costs anytime in the Spending tab.We’ll keep suggesting new ones as they appear.Step 4: Share Your TransactionsManaging money together means having a clear view of who’s spending what.You can easily share any personal transaction into your Shared Space:‍Three easy ways to share:1. Tinder-style transaction review — swipe right to share, left to keep private (yes, really)2. Transaction screen — tap ‘Share transactions’3. Press and hold — one-off or bulk share any expenseOnce shared, transactions will appear in your Shared Space under Everyday Spending or Recurring Costs, depending on what they are. More on this in Step 6.Step 5: Set Your Spending CycleEveryone manages money a little differently — month-to-month, payday-to-payday, week-to-week.Lumio lets you set your cycle to match your real life:• Head to the Spending tab.• Tap the date range below the carousel.• Tap ‘Set Cycle’ in the top right corner and pick your start date.Now your spending and budgets will align perfectly with your payday or chosen cycle.Step 6: Track Spending & CategoriesYour spending in Lumio falls into two main groups:• Everyday Spending — groceries, nights out, impulse buys‍• Recurring Costs — bills, subscriptions, regular paymentsYou’ll also see a Total Spent figure (Everyday Spending + Recurring Costs).Lumio automatically categorises each transaction — but you can:• Change categories if needed• Create your own custom categories⚡️ Top Tip:‍Big retailers like Amazon often need a bit of manual sorting!In the Shared Space, you’ll see who paid for what across all categories.Step 7: Keep it Fair with the IOU TrackerWhen you and your partner are splitting bills, Lumio’s IOU Tracker keeps it clear and drama-free.• See exactly who owes who, and how much.• Adjust your split (50:50, 60:40, 70:30 — whatever works for you).• Settle up when needed, directly in the app or outside it (then mark it settled).‍Find it:‍• Go to the Spending tab of your Shared Space.• Swipe to the end of the carousel to find the IOU Tracker.No more awkward chats. No more spreadsheets. Just fair, simple money management.Step 8: See (and Grow) Your Net WorthYour Net Worth = Everything you own - Everything you oweLumio brings it all together, so you get a real-time snapshot — solo or together.‍To track all your assets and liabilities:• Go to the Accounts tab.•Tap ‘Connect Account’ or ‘Add Offline Account’ (for things like property, cars, or rare Beanie Baby collections — hey, we’re not judging).• Choose the account type: savings, mortgage, loan, investment, property, etc.• Confirm if you want to keep it Private or make Shared.You can even filter which accounts to include when comparing how your net worth changes over time.You’re Ready to Go! 🚀That’s it — you’re officially set up!‍Lumio is now working behind the scenes to help you and your partner stay organised, reduce friction, and achieve your financial goals together.‍Got questions?‍Check out our Help Centre or chat with our friendly team anytime in-app.Here’s to building your best financial life — together. 🎉✅ Quick Start: Set Up Lumio in 5 Steps1.  Create your account‍Download Lumio and sign up (look out for your email verification).2. Connect your accounts‍Add your personal and joint bank accounts, plus any credit cards you use regularly.3. Invite your partner‍Send them your unique invite link or QR code — they’ll join your Shared Space automatically.4. Review and share your bills‍Lumio will spot your subscriptions and bills — confirm what’s shared vs private.5. Share transactions & track spending‍Share everyday expenses into your Shared Space and see who paid for what.Join 40,000 happy couplesWe are on a mission to help couples thrive financially — together.Join 50,000 happy couplesWe are on a mission to help couples thrive financially — together.© 2025 Lumio Technologies., All Rights reservedGetting StartedFeaturesAboutPrivacy PolicyTerms and Conditions