Lumio helps couples track spending,
co-ordinate bills, and save together. Get set up in minutes and enjoy faff-free finances today.
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Connect your accounts, control what you share with your partner, and build financial clarity.
See all your shared bills & subscriptions. Get price alerts & cancel unwanted bills.
Get a snapshot of your personal & shared spending by category, merchant & partner.
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Lumio uses the most secure technology - developed in partnership with your bank - to connect your accounts. We never see your bank login details.
“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.”
RoryRix1991
“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."
PrittiX93
"Me and my bf use our own banks/credit cards for bills and subscriptions - easy to track all the household bills together"
LucyHay01
"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 Stone
"Super simple app :) Ideal for tracking all our household bills and expenses, together. All calculated for you - no petty arguments or squabbling...well... less!"
haydn89
"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"
Nikzna
"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."
GregAlloy88
"Like Splitwise but without all the data entry and faff. Connect all my accounts and it did the rest :)"
shkshk91
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.
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.
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.
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.
We are on a mission to help couples thrive financially — together.
