Money that keeps up with you

Spend, send and save in one account

Money tools for everyone

Instant transfers38 currenciesNo monthly feeRound-up vaultsFreeze in one tapSpend abroad at costVirtual cardsSplit with anyone

Spend

Send money to anyone in seconds, in any currency.

09:41$ USD

Payment cleared

$240.00

Sent to Mai

One place for cards, vaults and everything you have earned.

CardsRewardsVaults

Earn on the balance you were leaving idle anyway.

noyes

$1,204

Interest paid this year

paid

Split a bill four ways without anyone opening an account.

MaiĐạtAnaYou

$72.00

Dinner, split four ways

Mai$18

Đạt$18

Ana$18

You$18

See where the month actually went, without exporting anything.

Food

Rent

Travel

Bills

Fun

Save

A physical card and as many virtual ones as you need.

lumo

4821 •••• •••• 3344

Virtual card

lumo

4821 •••• •••• 0917

Mai Tran

Vaults that fill themselves from what you round up.

Rent$980

Travel$420

Rainy day$260

New desk$95

Tax$40

Freeze, unfreeze and set a limit without calling anyone.

lumo

4821 •••• •••• 3344

Virtual card

lumo

4821 •••• •••• 0917

Mai Tran

A rate that does not quietly drop after the first three months.

4.10%

APY, paid daily

No lock-up

Name a goal, and watch it fill itself while you get on with things.

Japan, next spring

68%

of $4,000

accounts opened: 4.2m
currencies, one balance: 38
median transfer time: 1.4s

Open an account in four minutes

No branch, no paperwork, no minimum. Bring a photo of your ID and a working camera.

Get Lumo