Lumo doesn't just show you what's happening with your money, it helps you do something about it. It spots what needs attention and, with your approval, handles everything from challenging charges to negotiating bills and cancelling subscriptions.
Lumo helps you recover what's yours, reduce what you spend and stay on top of the details. These are three of the main ways it puts that into action.
Duplicate charges, missing deliveries and fees that shouldn't have been taken. Lumo prepares the claim, contacts the company from your email and handles the follow-ups, including pushing back when the first answer is no.
Broadband, mobile, insurance and energy. Lumo finds the best available deals, compares what you're paying with similar plans from other providers and uses that to negotiate a better price for you.
The subscription you forgot, the trial that converted, the gym you haven't been to since January. Lumo finds them in your transactions and cancels them, retention offers and all.
Figures are illustrative examples, not typical results.
Read-only, through regulated open banking, in about two minutes. Lumo can see what left your account. It can never move a penny.
It reads your transactions for duplicate charges, creeping prices, forgotten subscriptions and bills above the going rate, then puts them in one list.
One tap. Lumo shows you the draft before it sends, and comes back to you for anything it isn't authorised to decide alone.
Whatever the job needs, until there's a confirmation in writing. You get the outcome, not the admin.
Lumo connects the dots across your transactions to uncover money you could recover, bills you could lower and spending you could stop, then turns each opportunity into a clear next move.
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Follow every step as Lumo works, what it sent, what came back and what happened next. Every result is backed by written proof and Lumo only charges for an outcome it can confirm.
No subscription. No monthly fee. Download Lumo, connect your bank and see what it finds for free.
You're charged once, only after the result is confirmed. For lower bills and cancelled subscriptions, Lumo's fee is based on a single month, and every month you save after that is yours.
Lumo works on your behalf, so what it can't do matters as much as what it can.
Bank access is read-only through a regulated open banking provider. Lumo can see transactions. It cannot make payments, transfers or changes to your accounts.
Lumo shows you the draft, the outcome it's aiming for and the fee first. Anything outside what you've authorised stops and comes back to you rather than pressing on.
You sign in with your bank directly and we never see those details. Access tokens are encrypted at rest, and you can revoke any connection from the app.
Each task keeps a full trail of what was sent, what came back and what Lumo did about it. Delete your data whenever you like, it's one tap in the app.
Yes, with your approval. Emails go from your own address, because you're the account holder and you're the one entitled to the refund or the better price. Replies come back to a Lumo inbox so the agent can read them and carry on. You see every message before it's sent.
Lumo pushes back once, with the relevant terms or evidence. If it's still no, the task closes and you're told plainly what happened. You're charged nothing, because the fee only ever applies to money actually recovered or saved.
No. Connecting a bank is how Lumo spots things on its own, but you can also just tell it what you're paying for, or upload a bill or invoice, and it will work from that.
It can't act without your approval. Cancellations are suggested, never assumed, and you confirm each one before anything happens.
You add a card once. When a task is confirmed complete, whether that's a refund paid, a lower price agreed or a service cancelled, the fee is charged to it and you get a receipt showing the amount recovered and the fee taken. Nothing is charged before the outcome is confirmed.
Not yet. Lumo is built for UK banks, UK providers and UK consumer rights. Other markets will follow.
Connect an account and see what it finds, from money you could recover to bills you could lower and payments you could stop. It's free to find opportunities and you only pay when Lumo delivers.