Online shopping gives you endless choice and leaves all the work to you: the tabs, the comparing, the forms, and the chasing when something goes wrong. Lumo exists to do that part for you.
Why we built it
Most shopping apps stop at a list of links. Here are some results, some of them paid for. Here is a price. Good luck with the rest.
That's the easy half. The hard half is working out which option is actually right for you, which shop to trust with it, filling in the same details for the hundredth time, and following up when the parcel doesn't come.
So we built the other half. Lumo is a personal shopper. It learns your taste, searches across retailers, weighs price against delivery, returns and the shop itself, and prepares the checkout. You choose and you pay. Lumo sees it through, and stays with you after the sale.
What that means in practice
It learns you
A quick taste test, the things you love and the things you pass on. Your store fills with picks made around you, refreshed every Friday.
It finds the best option for you
Chosen for their fit with you, compared across retailers. No ads and no sponsored results: retailers can't pay to jump the queue.
It does the legwork
Lumo adds your items, fills in your address and delivery details and gets the checkout ready. You approve the purchase and pay the retailer on your own device. Lumo never holds your card.
It stays after the sale
Your orders stay together in one place. If a delivery goes missing or a refund needs chasing, Lumo handles the follow-ups.
It looks after your money too
Lumo started out doing the money admin nobody gets round to, and it still does. It can negotiate your bills, cancel subscriptions you no longer use, and claim refunds you're owed, writing from your own email address and following up until there's an answer.
How we make money
We charge a fee, and only ever one you've seen first. A purchase Lumo makes for you carries a small fee on the basket, shown before you approve it and refunded if the order is cancelled or returned. Refunds, bill negotiations and cancellations carry a success fee, charged only once the outcome is confirmed. If nothing comes back, you pay nothing.
No subscription and no monthly fee. We don't sell your data, and we don't take money from retailers to show you their products. The pricing section has the details.
What we hold ourselves to
A shopper that acts in your name only works if you can trust it completely. These are the lines we don't cross.
- Trust before cleverness
- Where a smarter, more autonomous approach would make Lumo harder to predict, we take the predictable one. You should always be able to say what Lumo will do next.
- You are always in the loop
- You choose what to buy and approve every purchase and task. Lumo stops when it reaches something it isn't authorised to decide, and never quietly presses on.
- Your money stays yours
- Bank access is read-only, so Lumo cannot move your money. When you buy something, you pay the retailer yourself, on your own device.
- Never on the attack
- Lumo represents you in correspondence and keeps it professional. We ask firmly, we cite the terms, and we don't name and shame anyone.
- Honest about failure
- Some checkouts need you to step in, and some claims don't succeed. When that happens, you're told what happened in plain words, and you're not charged for the attempt.
Get in touch
Questions, press, partnerships, or something Lumo got wrong. We read everything.
Lumo is a service of Bloom Corp Ltd, a company registered in England and Wales, company number 16136207, registered office 3 Tidal Basin Road, London, England, E16 1UW. Lumo is not a bank and does not provide financial, tax or legal advice. Bank data is accessed read-only through a regulated open banking provider.