Spend
Pay where cards are accepted.
Use your card online and in shops, or add it to Apple Pay or Google Pay where supported.
Spend your crypto
like cash.
Two Lumo cards that spend straight from the available assets in your wallet, with no top-up needed. The Lumo Basic card has no fee to open. The Lumo Pro card has a one-time issuance fee of $3.99. Spend online, in store, and with Apple Pay or Google Pay where supported.
Your crypto balance, ready to spend.
By default, your card spends the available assets in your wallet, so there is nothing to top up first. Prefer to set money aside? Top up your card manually whenever you like, then spend wherever cards are accepted. Add the card to Apple Pay or Google Pay where supported, and see every statement in the app.
- Lumo Basic or Lumo Pro
- Spends your wallet assets by default, no top-up needed
- Manual top-up if you prefer
- Apple Pay and Google Pay where supported
- Card statements in the app
Pricing and fees
Card fees at a glance.
What each card costs to open. Any other card fee is shown in the app before you confirm.
Lumo Basic cardIssued with Wirex. Set a monthly spend allowance that suits you.
No fee to open
Lumo Pro cardIssued with Interlace. A one-time fee when you order the card.
$3.99
Spending in another currencyLumo Basic card payments in a currency that is not your card's: 1% plus a 0.75% Lumo margin.
1.75%
Top-ups and other card feesShown in the app before you confirm, so you always see the cost first.
Shown in the app
Card availability, fees and limits depend on your country and the card issuer, and can change. The app always shows the current fee before you confirm.
In everyday language
What this means for you.
A Lumo card connects your crypto to everyday spending. Pay like you would with any other card, straight from the assets in your wallet.
Two cards
Choose the card that suits you.
The Lumo Basic card has no fee to open and a monthly spend allowance you set. The Lumo Pro card has a one-time issuance fee of $3.99.
Crypto first
No top-up needed.
Your card spends the available assets in your wallet by default, in your local currency, without converting by hand first. You can still top up manually if you prefer.
The process
How Lumo cards work.
From wallet balance to real-world spending in three steps.
- 01
Choose your card
Apply in the app for the Lumo Basic card or the Lumo Pro card. Availability is confirmed during sign-up.
- 02
Spend from your wallet
Your card uses the available assets in your wallet by default. Or top up manually to set an amount aside for spending.
- 03
Spend and track
Pay online, in store or with Apple Pay or Google Pay, and see every statement in the app.
Two cards
Lumo Basic and Lumo Pro.
The Lumo Basic card is issued with Wirex, with no fee to open and a monthly spend allowance you set. The Lumo Pro card is issued with Interlace, with a one-time issuance fee of $3.99. Both spend the available assets in your wallet by default, with manual top-up if you prefer, and are managed in the same app.
Cards shown for illustration. Names and numbers are examples.
Ready when you are
Download Lumo Wallet today.
On iPhone, Mac, Android and Windows. Your keys, your money, on every device you carry.
