01 / Clarity↗
See the whole picture
Every account, card and goal in one view. The first time your money has ever made sense at a glance.
NEW Lumen 4.0 — now with shared pots
Money, in
its best light.
One calm place for spending, saving and the future. No branches, no jargon, no surprise fees — just a clearer view of your money.
LUMEN
Personal · GBP
Total balance
£24,580.40
↗ 2.4% this month
Cash flow
MONTUEWEDTHUFRISATSUN
Pavilion CoffeeToday · Eating out−£4.80
SpotifyYesterday · Subscription−£11.99
Salary — Aster28 Oct · Income+£3,240
LUMEN+
•••• •••• •••• 4082
Alex MorganMEMBER 2021VISA
A clearer view, every day
★★★★★ 4.9 · 12,400 reviews
FCA regulated · Deposits protected
MONOCLEWIREDFTDWELL
The everyday
Less admin.
Less admin.
More life.
Everything you need to feel on top of your money, and nothing that makes you feel like you're doing homework.
02 / Saving↗
68%of £1,000
Save without thinking
Round-ups, automatic pots and goals that fill themselves. Small amounts, quietly doing a lot.
03 / Insight↗
Spend with your eyes open
Insights in plain English — where it went, what changed, and the one thing worth adjusting.
OctoberYour month, summarised
£2,184Spent this month
Home & bills£832
Food & coffee£486
Travel£394
Everything else£472
You spent 8% less than September. Nice.
The philosophy
A bank that
A bank that
doesn't shout.
Most finance apps compete for your attention. Lumen is built to give it back — clear information, quiet design, and the confidence to close the app.
01
No dark patterns, ever
No countdowns, no fake urgency, no fees hidden in the small print.
02
Your data stays yours
We don't sell it, share it with advertisers, or use it to guess your mood.
03
Built for the long view
Tools that reward small, steady decisions rather than one big bet.
Security
Quietly guarded.
Your money is protected by the same systems we'd want for our own. No theatre — just thorough, boring, well-tested security.
FCA regulated
Authorised by the PRA and regulated by the FCA and PRA.
Protected deposits
Eligible deposits protected up to £85,000 by the FSCS.
Biometric by default
Face ID, device binding and hardware keys supported.
No data sold
Not to advertisers, not to anyone. Stated in the terms.
Members
Quietly obsessed.
We asked 200 members what changed. Nobody mentioned the app's colour scheme. Almost everybody mentioned sleeping better.
“The first bank that has ever made me feel like an adult rather than a target.”
Naomi ItoMember since 2022
“I moved my whole life over in an afternoon. The pots paid for a trip to Kyoto without me noticing.”
Marcus BellMember since 2021
“It took three minutes to open and it has never once made me feel stupid. That's the whole review.”
Sara LindqvistMember since 2023
Membership
Simple, like
Simple, like
money should be.
Two plans. No account fees, no ATM charges in the UK, no fee for being alive.
Lumen FreeAlways
£0 / month
Everything you need to see clearly.
- Full account & virtual card
- Automatic round-ups
- Monthly insights
- Deposits protected to £85k
Lumen+Most chosen
£6 / month
For people who want the extra mile.
- Everything in Free
- Iridescent metal card
- Fee-free spending abroad
- Priority humans, not bots
Open in four minutes
Your money could
Your money could
look like this.
No paperwork, no branch visit, no hard sell. Just a clearer view of what you already have.
Lumen is a demonstration brand. Illustrative figures, not financial advice.