YWelcome to fee-free spending abroad9:41 AM
Fee-free spending abroad
Pay anywhere, in any currency, on your debit or credit card, with no foreign transaction fees.
2.4M+Customers
$48B+Moved every year
4.8/5App rating
150+Countries supported
14:26
Good afternoonAlex
AM
Main account
$8,873.26
Available balance
▲ 2.4% this month
Add money
Send money
Scheduled
More
TransactionsSee all
- SupermarketToday, 12:08-26.04
- TaxiToday, 09:41-34.74
- SalaryYesterday+3,200.00
- Coffee & bakeryYesterday-8.20
- StreamingMon-12.99
Everyday banking
Bank for free, with no hidden fees
Open your account in minutes and enjoy 100% mobile banking. No paperwork, no branch queues, no surprises.
- Free virtual card, ready in seconds
- Free ATM withdrawals every month
- No minimum balance and no monthly fee
$0Monthly fee
2 minTo open
24/7Card controls
Together
Simplify your shared finances
Open a free joint account with its own account number, or a card for under 18s with limits that you set.
Open account
Main account$2,300
Joint account$2,000
For under 18s$126
Savings
Make your money work harder
Move your balance into Instant Savings and earn up to 2.5% interest p.a.1 with no lock-in and no minimum.
Want a higher yield? Our Flexible Cash Fund is open to every plan. Earn up to 3.2% p.a.2 with no service fees3 during the launch offer. The fund is not a deposit and your capital is not guaranteed.
Discover the Flexible Cash Fund1 Sample rate. Variable and subject to change. 2 A flexible cash fund is not a deposit; it is an investment that carries a risk of capital loss. The variable rate shown reflects information provided by the fund manager and is subject to daily changes. Your investment can go up and down. Past performance is not a reliable indicator of future results. 3 Offer terms apply.
Invest
Bank and invest in one app
Invest in thousands of stocks, ETFs, ready-made funds and more4 without switching apps.
Start from $1 and invest regularly by setting up a savings plan for free. Capital at risk.
Start investing
Investments
$2,000.26
GTGlobal Tech ETF▲ 6.2 %
ENGreen Energy▼ 2.1 %
Lumen Bank
Airport lounges
Travel coverage
Cards
The card made for travel
Get cashback5 on travel, fair exchange rates and airport lounge access. Travel stress-free with free ATM withdrawals abroad and insurance, included with our Go and Metal plans.
Open a Go accountSecurity
Protection that never sleeps
Bank-grade security sits behind every tap, so you can move money with total confidence.
Encrypted end to end
Your data and payments are encrypted in transit and at rest.
Biometric login
Unlock with your fingerprint or face, backed by two-step verification.
Instant card freeze
Lose your card? Freeze and unfreeze it in the app in one tap.
Real-time alerts
Every payment triggers an instant notification, so nothing slips by.
Plans
Choose your plan
Find the plan that's best for you and open your account in minutes.
Compare plansAn account for every stage
From your first card to shared bills and premium cover. Switch plans whenever your life does.
Lumen Bank
Personal account
Our signature everyday current account that fits your finances.
Residents of supported countries. Terms apply.Lumen Bank
Joint account
A shared bank account that helps you manage joint costs.
You'll both need a personal account. Aged 18+. Terms apply.Lumen Bank
Under 16s account
A free account for kids that keeps up as they grow up. Set spending limits and see what they're up to with instant notifications.
Ages 6-15. A parent or guardian account is needed first. Terms apply.Lumen Bank
Extra
$3 a monthUnlock more money tools, see your other banks and cards in one place, and create custom spending categories.
Age 18+. Terms apply.Lumen Bank
Perks
$9 a monthEnjoy the best of us with a boosted savings rate and added benefits like travel discounts and a monthly coffee treat.
Age 18+. Terms apply.Lumen Bank
Max
From $19 a monthProtect the things that matter with worldwide travel and phone insurance, breakdown cover, and more.
Ages 18-69. 3-month minimum term. Terms apply.The bank made for travel
No foreign transaction fees or added costs, so travel feels lighter from the start.
R
Ride homeToday
$22.35€20.52
S
Stay bookingToday
$300.50€276.46
Live exchange rates
As soon as you pay, we show you the amount in your home currency in the app. No waiting, no guessing.
USEUGBJP+70
GBGBP
USUSD
No surprises at checkout
See the price of things before you go with our currency converter, so you always know what you'll pay.
Lumen Bank
Card freeze
Freeze and unfreeze your card at any time in the app, even if it goes exploring without you.
Save like a superhero
Keep your money at your fingertips in personalised Savings Pots, or earn a bonus rate with a fixed term.
Holiday
$420Wedding
$1,900Instant Access Savings
Move money in and out whenever you like and watch your pots grow.
Pick a Savings Pot
Earn interestSelect Access
A higher rate for making 2 or fewer withdrawals a year. $500 min balance.
Bonus rate availableSelect Access Savings
A higher rate in exchange for a few planned withdrawals each year.
Our forever home$6,214.00
Fixed Rate Savings
Lock in a rate for a set term and know exactly what you'll earn.
Questions
Good to know
Quick answers to what people ask us most. Need more? Our team is a message away.
Contact supportMost people finish in a few minutes. Download the app, confirm your identity with a quick selfie and ID check, and your account is ready to use.
Our Standard account is free, with no hidden charges. Paid plans add extras like travel insurance and higher savings rates, and you can switch whenever you like.
Everything is encrypted, every login is protected by biometrics and two-step verification, and you can freeze your card instantly from the app. Deposit protection follows the rules that apply to your region.
Yes. Pay in any currency with fair exchange rates and see the amount in your home currency straight away. Eligible plans include free ATM withdrawals abroad.
Message us in the app any time, or use the contact page. Urgent card problems can be handled instantly from your phone.
Ready when you are
Open your account in minutes and see why people love banking with Lumen Bank.