Lumio Pro

Main Features:

1. Account Aggregation: Connect all your accounts, control what you share with your partner, and build financial clarity.
2. Expense Sharing: Share any bill & expense and keep track of who paid for what.
3. Bill Tracking & Cancellation: See all shared bills & subscriptions, get price alerts, and cancel unwanted bills.
4. Spending Snapshot: Get a snapshot of personal & shared spending by category, merchant & partner.
5. Private & Shared Spaces: Provides an instant snapshot of all shared spending, including joint accounts and bills paid with credit cards.
6. IOU Tracker: An IOU tracker designed specifically for couples.
7. Net Worth & Assets vs Debt: Track personal and shared net worth, and compare assets against debt.

Core Advantages: Say goodbye to tedious spreadsheets, random mental maths, petty money tiffs, and awkward money moments. Connecting accounts is simple, and everything is calculated automatically without tedious data entry. Users can collect points on their own cards (like AMEX) for bills while tracking all shared bills/expenses together. Smarter than Splitwise or spreadsheets, it finds all bills and subscriptions much faster.

Security Measures: Powered by secure Open Banking technology developed in partnership with banks. Lumio never sees or stores bank login details. Uses bank-grade 256-bit TLS encryption; credentials are encrypted separately from personally identifiable information. It is a read-only service, ensuring no transactions can occur even if the account falls into the wrong hands. Requires pin-code or biometric ID for every login. Adheres to ISO-27001 information security procedures, open standards like OAuth 2.0 and OpenID Connect, and undergoes regular penetration tests. Lumio is registered as a Payment Services Directive Agent of Moneyhub Financial Technology Ltd, authorized and regulated by the FCA, and acts as a registered data controller in compliance with data protection legislation.

Usage Process:

1. Sign Up.
2. Connect your account.
3. Invite your partner.

Target Users: Couples who want to manage their finances together, track household bills, and coordinate shared expenses. Currently joined by 40,000 happy couples.