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The Lumio App is a personal finance brain that connects your financial life in seconds and grows your money on Autopilot. With 18,000 financial accounts already connected, join them on their mission to help 1 million customers grow their money by 2024.

  • More than 6000 users on iOS & Android, growing 20% monthly
  • Over £90m worth of user transactions analysed by their smart algorithm
  • Distribution agreement signed with financial institution
  • Part of the top 100 Fintech Disruptor ranked ahead of Monzo and Seedrs

Idea

Grow your money on autopilot.

Lumio is the intelligent and independent app that helps people grow their money on autopilot.

Money can be Lazy. And it’s everywhere - think useless savings rates, extortionate investment fees and high-interest credit and loans. Often maintained by Lazy Advisors, Lazy Comparisons and Lazy Products.

The Market Opportunity is huge. Our research shows £176bn of Lazy Money depreciating in the UK. With an estimated £33bn added to that pile every year. And beyond the UK, a massive £10tn of Lazy Money across Europe - all, just waiting to be optimised.

Wealthy individuals may have the right resources to fully optimise their finances. But we want everyone to have the financial security and peace of mind to decide their financial future.

So we built Lumio - seamless, easy and independent, acting solely in customers’ best interests to fully optimise their money. Designed to enable financial freedom. Helping them achieve goals and aspirations.

Recognised as part of the top 100 Fintech Disruptor by BusinessCloud in 2020, ahead of Monzo and Seedrs, with coverage from Forbes, Tech Nation and Sifted by FT, and a signed distribution agreement for a 6 month trial with a UK financial institution, all make our future growth potential very exciting!

Join us on our mission of growing 1m customers' money by 2024 and accelerate financial independence and personal progress through intelligent technology.

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Risk warning

Investing in start-ups and early stage businesses involves risks, including illiquidity, lack of dividends, loss of investment and dilution, and it should be done only as part of a diversified portfolio. Crowdcube is targeted exclusively at investors who are sufficiently sophisticated to understand these risks and make their own investment decisions. You will only be able to invest via Crowdcube once you are registered as sufficiently sophisticated. Please click here to read the full Risk Warning.

Crowdcube is authorised and regulated by the Financial Conduct Authority (FCA) and the Comisión Nacional del Mercado de Valores (CNMV). This page has been approved by Crowdcube. Pitches for investment are not offers to the public and investments can only be made by members of crowdcube.com on the basis of information provided in the pitches by the companies concerned. Further restrictions and Crowdcube's limitation of liability are set out in the Investor Terms and Conditions.

Investment opportunities are not offers to the public and investors must be eligible Crowdcube members. Further restrictions and Crowdcube's limitation of liability are set out in the Investor Terms and Conditions. Please seek independent advice as required as Crowdcube does not give investment or tax advice.

Lumio has been given advance assurance by HMRC that the proposed share issue is likely to qualify for Enterprise Investment Scheme (EIS) tax relief.

Tax relief is available to individuals only, with income tax relief currently set at 30 per cent of the cost of the shares for the tax year in which the investment was made. The tax reliefs can also reduce your Capital Gains Tax bill. Read More.

Availability of tax relief depends on your individual and the company’s ongoing circumstances and applicable law.