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Rated 4.8 on the App Store

The card that pays you back for living

Up to 5% cashback on what you already buy, budgets that build themselves, and zero hidden fees. Banking that finally feels fair.

Open account in 5 min Calculate your cashback
2,000,000+ members and counting
FDIC insured up to $250,000 PCI DSS Level 1 SOC 2 Type II Instant transfers 24/7
Why Lumo

Your money, working overtime

Everything a modern account should do — and a few things your old bank hoped you'd never ask for.

Cashback that compounds

Earn up to 5% in rotating categories and 1% on everything else. Cashback lands instantly and can auto-invest into your savings pots.

Budgets on autopilot

Lumo sorts every purchase the second it happens and warns you before you overspend — not in a monthly report you'll never read.

Paycheck, 2 days early

Direct deposits arrive up to two days ahead of schedule. Your money shouldn't wait in someone else's vault.

Zero fee, zero asterisks

No monthly fee, no overdraft fee, no minimums, free withdrawals at 55,000+ ATMs. The fine print is this sentence.

Savings pots at 4.1% APY

Split money into goals — rent, travel, rainy day — each earning high yield. Round-ups sweep spare change automatically.

Virtual cards in one tap

Create disposable cards for sketchy checkouts and per-merchant cards for subscriptions. Freeze any of them instantly.

Cashback calculator

What would you earn?

Drag the sliders to your typical monthly spend.

$400
$250
$150
$800
Estimated cashback
$507
per year, paid instantly
Monthly cashback$42.25
Monthly spend$1,600
Effective rate2.6%
Start earning
Security

Built like a vault, feels like an app

Your deposits are FDIC-insured through our partner bank, and your data never gets sold. Ever.

Read our security whitepaper
FDIC insurance up to $250,000
Deposits held at our partner bank, Member FDIC.
Biometric login & 3-D Secure
Face ID, fingerprint and step-up verification on risky payments.
Real-time fraud alerts
Suspicious charge? Freeze the card from the push notification.
Your data stays yours
We make money from interchange, not from selling your habits.
“I switched for the cashback and stayed for the budgeting. Lumo quietly saved me $2,300 last year — my old bank charged me $340 in fees for the privilege of holding my money.”
RM
Rachel Moreno
Product designer, Austin TX
Pricing

Free forever. Plus if you want more.

Lumo Free

$0 / month

Everything you need to ditch your old bank.

  • Up to 5% rotating cashback
  • Savings pots at 4.1% APY
  • Paycheck up to 2 days early
  • Virtual & disposable cards
Get started
Best value

Lumo Plus

$7.99 / month

For people who want their money aggressive.

  • Everything in Free
  • 5% flat on top-2 categories, always
  • 4.6% APY on savings pots
  • Metal card + global travel insurance
  • Priority human support, 24/7
Try Plus free for 30 days

Five minutes to a fairer bank

No credit check, no paperwork, no branch visits. Just you and your phone.

Open your free account

Lumo is a financial technology company, not a bank. Banking services provided by a partner bank, Member FDIC.