Every Lumo fee,
in one place.

Swaps, buying and selling, cards, staking and Lumo Business, set out in full. Last updated September 2026.

0.4% swapsflat, whichever provider

0% crypto processingfor Lumo Business

Simple for you, clear for your business.

Personal fees are flat and shown before you confirm. Lumo Business has two price lists: crypto is free to accept, and cards carry a monthly subscription plus a rate per payment.

Swaps: a flat 0.4%, whatever the provider
Buy and sell: from 1.0%, depending on the provider
Send and receive: free, apart from the network fee

Pricing and fees

At a glance.

The headline fees. Every fee is listed in full further down.

SwapsWhichever provider fills the swap. Rates are never locked.

0.4%

Buy and sell cryptoDepends on the provider, payment method and country.

From 1.0%

Send and receiveYou only pay the network fee.

Free

Lumo Crypto Checkout0% processing. 1.5% plus network fee when you withdraw.

Lumo Card CheckoutPlus a rate per card payment. First month free.

£29 / month

Network fees go to the blockchain, not to Lumo, and change with how busy the network is.

In everyday language

What this means for you.

What you pay depends on what you use. Nothing is charged before you confirm it or are approved for it.

If you use the wallet

Flat, simple fees.

Swaps are 0.4%. Buying and selling start from 1.0%. Sending and receiving are free apart from the network fee.

If you only take crypto

No monthly cost.

Lumo Crypto Checkout costs nothing to run. You pay 1.5% plus the network fee only when you withdraw.

If you add cards

A subscription plus a card rate.

£29 a month for Lumo Card Checkout, first month free, then a percentage plus 30p on each card payment, set by where the card was issued.

What a payout costs

1% + £0.50 to your bank.

Card takings are paid out to your bank for 1% plus £0.50. This is separate from the 1.5% crypto withdrawal fee.

The process

When each business fee starts.

Nothing is billed until the part it relates to is approved and live.

01
Lumo Business approved
Crypto Checkout and Invoicing go live. No subscription, no processing fee.
02
Card Checkout approved
The £29 monthly subscription begins, first month free, and card payment appears beside crypto.
03
Funds withdrawn or paid out
1.5% plus network fee to withdraw crypto. 1% plus £0.50 to pay card takings out to your bank.

Pricing and fees

Every fee, side by side.

The published rates for Lumo Wallet and Lumo Business. Nothing here depends on volume or is negotiated separately.

Lumo Wallet

Personal

Swapping, buying, selling, sending and receiving crypto.

SwapsA flat fee, whichever provider fills the swap. The final quote is shown before you confirm.

0.4%

Buy cryptoWith a card or bank transfer, through MoonPay, Guardarian, Onramp.money, BTC Direct and more.

From 1.0%

Sell cryptoTo your bank account, depending on the provider.

From 1.0%

Send and receiveFree, apart from the network fee.

Free

Network feesPaid to the blockchain. They change with how busy the network is.

Varies

Lumo cards

Basic and Pro

Opening and using a Lumo card.

Lumo Basic cardIssued with Wirex, with a monthly spend allowance you set.

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.

Shown in the app

Staking

ETH, SOL, ADA

Staking with Everstake from your wallet.

Staking accessNo Lumo fee to start staking.

Free

Staking rewardsRates change with network conditions and are shown in the app before you stake.

Variable

Network feesPaid when you stake and unstake.

Varies

Lumo Crypto Checkout

Included

Taking crypto at your checkout and on invoices, once Lumo Business is approved.

Monthly subscriptionNo monthly fee. Included with Lumo Business approval.

None

Processing feeOn crypto payments through checkout, plugins or invoices.

ChargebacksCrypto payments are final on-chain.

None

Rolling reservesNo part of your takings is held back.

None

WithdrawalWhen you move crypto to your own wallet, any time or on a schedule. The network fee is added.

1.5% + network fee

Lumo Card Checkout

Apply in the app

Debit and credit card payments on your checkout, invoices and plugins. Custodial, with KYC.

SubscriptionCharged monthly once your Card Checkout account is approved. First month free as a welcome offer.

£29 / month

UK cardsCards issued in the United Kingdom.

2.25% + £0.30

European cardsCards issued in Europe.

3.75% + £0.30

International cardsCards issued outside the UK and Europe.

4.88% + £0.30

Payments in another currencyAdded to the card rate when a customer pays in another currency.

+1.5%

Payout to your bankCharged when you move card takings to your bank account.

1% + £0.50

ChargebacksA £20 dispute fee per chargeback. It is not refunded if you win, but the disputed amount comes back to you.

£20

RefundsRefund in full or in part from the app. You need enough Card Checkout balance to cover it.

From the app

Welcome offers

Terms apply

Offers for businesses joining Lumo. Terms apply.

AWS voucherFor Lumo Crypto Checkout merchants processing more than $500,000 in their first month. Paid within 30 days after.

$150

Lumo Card CheckoutFirst month's subscription free for new and existing customers.

First month free

Lumo POS

Pre-order

The handheld terminal. Pre-orders open January 2027, shipping April 2027.

TerminalPrice confirmed when pre-orders open.

January 2027

Processing feeOn crypto payments taken in person.

WithdrawalWhen you move crypto to your own wallet, any time or on a schedule. The network fee is added.

1.5% + network fee

Last updated September 2026. Lumo Crypto Checkout and Lumo Card Checkout are priced separately: card rates never apply to crypto payments. Card rates depend on where the customer's card was issued, not where your business is. Crypto in Lumo is non-custodial. Lumo Card Checkout is custodial: card funds are held by a regulated payments partner until paid out, and applying needs identity and business checks (KYC). Third-party providers may charge their own fees, and some services are not available in every country.

Ready when you are