Lumio: Couples finances

Lumio is a free money management app that helps the modern couple keep track of all their shared bills, expenses & save, together. ‍ *Track bills, expenses and balances as a couple, or just your own. *Share one-off expenses or share in bulk - you're in control. *Cut the Cost of living together ‍ Get full visibility of all your finances so you know where you stand as a couple. Coordinate your shared spending. Save more, argue less, and progress together. Lumio makes it easy for you and your partner to control your money together - without the faff of a splitwise account or ledger. Track all of your account balances, shared household expenses, and investments in one place. Collaborate with your partner and reach your financial goals faster. *All your accounts, shared in real-time in one place - Get shared visibility and total alignment with your partner. So you can make your next smart move as a team. *Choose what you share, securely - You decide which balances, bills & expenses you share. Keeping you both on the same page - without the faff of creating a joint account or manual ledgers like Splitwise. *Keep tabs on your shared finances - Track any household expense, from any account. Know where you stand, who contributed, and what is owed. So you can settle up fairly and transparently - without mental maths. *Settle-up automatically - Instantly settle-up on any IOUs between you and your partner, so you're always on the same page. Set up affordable & automatic savings rules to achieve your goals together. KEY FEATURES: ● Track your net worth across all your accounts in one money dashboard ● Track, split & share bills effortlessly - like Splitwise with a brain ● Manage all your accounts in one place - just like Snoop ● Save straight into your existing accounts - including GoHenry, Marcus, Monzo, Rooster Money ● Manage & organise all your bills & subscriptions (like Snoop) ● Track all your spending and expenses (like Emma Finance) ● Set clear financial goals and work towards them (just like Mint) ● Get actionable insights you won’t get from your bank ● Track how your spending changes over time ● Avoid overdraft charges ● Combine all your pensions - including Pensionbee, Nest Pension, Aegon Pension ● Get spending and balance notifications PRO/PREMIUM FEATURES: ● Fully customise your money management cycle. Pay-day to pay-day, date-to-date, month-to-month (like YNAB You Need A Budget) ● Connect the value of everything you own to Lumio using Offline Accounts ● Unlock access to all your historic financial data across all accounts ● Unlock an unlimited net-worth graph & data to see your all-time progress ● Save and move money between any account (Monzo, Marcus by Goldman Sachs, Revolut, Natwest & all banks) ● Visual and statistical spending and income breakdown by category LUMIO CONNECTS WITH ALL YOUR BANK ACCOUNTS ● Bank accounts: HSBC, Barclays, Monzo, Natwest, Santander, Revolut, Starling & more ● Savings accounts: Marcus by Goldman Sachs, Virgin Money, OakNorth, Nationwide & more ● Credit Cards: American Express (Amex), Barclaycard, Lloyds, Natwest & more ● Cryptocurrency: Coinbase, Revolut, eToro & more ● Pensions & Investments: Nutmeg, Moneyfarm, EToro, Hargreaves Lansdown, AJ Bell, PensionBee, Nest Pension, Aegon Pension & more BANK-GRADE SECURITY Have total confidence that your money mentor is protected as a result of 256-bit encryption and a 5-number pin. The same security as used in world-leading banks with military-grade encryption. SAFE & REGULATED Lumio is registered with the Financial Conduct Authority under the Payment Services Directive for the provision of payment services. Here’s our reference number: 844741 Lumio is registered with the Information Commissioner’s Office in compliance with the Data Protection Act 1998. Data Protection Registration Number: ZA548961