Lumio Pro

Lumio is designed around a simple idea: couples manage money together, but not everything should be shared. Once you invite a partner and connect accounts via Open Banking, the app builds a joint picture of shared spending, recurring bills, and account balances, while anything you mark private stays invisible to your partner. Aggregation pulls transactions from current accounts, credit cards, and even investments, so you can see both personal and combined net worth without juggling spreadsheets.

The app goes beyond simple expense splitting. It surfaces subscriptions and recurring costs, sends price alerts, and lets you cancel or flag bills you no longer want. An IOU tracker handles who paid for what, and cashflow views show everyday spending versus fixed costs. Because it is a read-only service built on Open Banking, Lumio never stores bank login credentials, and account access requires a PIN or biometric login each time.

Security and regulation are central to the pitch: bank-grade TLS encryption, ISO 27001-aligned procedures, and registration as a Payment Services Directive Agent of Moneyhub Financial Technology Ltd, which is authorised and regulated by the Financial Conduct Authority. Lumio is a third-party independent product and is not affiliated with any bank. Pricing follows a freemium model with a free tier and paid subscription upgrades.