One app to send, spend, save and grow. Built for the way you actually live with money — with bank-grade security and a delightfully premium feel.
A premium toolkit built for people and teams who expect more from their bank.
Issue unlimited single-use, subscription or general cards in seconds.
P2P payments via username, phone or QR — settled in real time.
High-yield pockets, goals and round-ups that grow automatically.
Spending intelligence that turns your transactions into decisions.
2FA, biometric login, encrypted vaults and live fraud monitoring.
Hold, convert and send 30+ currencies at the real exchange rate.
No hidden fees. Cancel anytime.
For power users.
"LumoPay replaced three tools for us. The virtual cards alone saved hours every week."
"Beautiful, fast, and the AI insights actually helped me cut 22% of my spend."
"Onboarding took two minutes. It feels like the future of money."
A simple flow designed for speed, control, and complete visibility.
Step 1
Sign up in minutes, complete verification, and activate your secure wallet with instant access to core features.
Step 2
Create cards, spending limits, savings goals, and alerts so your money system works automatically.
Step 3
Use live insights, reports, and smart notifications to improve cash flow and reduce unnecessary spend.
From individuals to operations teams, LumoPay provides one connected platform for spending, controls, and reporting.
Join over a million people building a better relationship with money.
Create your account