Everyday Checking
No monthly maintenance fee
Simple daily banking with instant transfers and a virtual debit card.
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🏆 Trusted by over 4.5 million customers worldwide
Credible, Innovative and Secured Banking
Experience banking excellence with industry-leading security, personalized service, and global financial solutions. Whether you’re saving for tomorrow or investing for the future, Lumecash gives you the tools and support to move forward with confidence.
Bank-Grade Security 256-bit Encryption 24/7 Support
1M+Customers worldwide
LUME NETWORKGlobal payments partner
VERDE CAPITALInstitutional partner
256-BITEncrypted banking
24/7Fraud monitoring
Accounts and services
Banking for real life and real business.
Four essential products, one secure relationship.
Your ambitions deserve a bank that keeps up.
Growth Savings
Earn on every balance
Build savings with goal tracking and competitive variable returns.
Open accountCredit Cards
Flexible spending
Secure virtual and physical cards with configurable limits and alerts.
Open accountPersonal Loans
Clear repayment terms
Straightforward financing with predictable payments and no hidden costs.
Open accountWhy Lumecash
Everything important, nothing complicated.
Useful tools supported by real people and protection that works quietly in the background.
Online Banking
Manage accounts, payments, and statements from one secure place.
Mobile Access
A fast responsive experience designed for every screen.
Smart Budgeting
Understand spending patterns and stay closer to your goals.
Global Transfers
Send money locally and internationally with clear tracking.
How it works
Open, verify, and bank with confidence.
Create your profile
Tell us about yourself through a short, protected application.
Verify your identity
Complete secure verification to help protect you and the bank.
Start banking
Fund your account, make payments, and track everything in real time.
Available balance
£9,844.65
Transfer
Deposit
Cards
Salary payment+£2500.00
Online transfer−£100.00
Savings goal+£300.00
Security and customer trust
Protection you can see. Privacy you can control.
Secure access, active monitoring, and clear privacy controls help protect every interaction.
Encrypted sessions
Your connection and sensitive information are protected in transit.
Biometric-ready access
Use supported device security for convenient account access.
Fraud monitoring
Automated and human-led controls monitor unusual activity.
Privacy controls
Clear permissions put you in control of how your information is used.
“Lumecash makes international payments feel straightforward and transparent.”
Start today
Secure banking, built around you.
Open an account in minutes and take control of your financial future.