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Get the app

Simple by design.
Powerful by nature.

Lumo Wallet makes crypto easy for people and businesses, from a self-custody wallet in your pocket to crypto and card payments for your store.

For individualsFor businesses
A customer paying at a shop counter with Lumo Wallet on his phone
For individuals

Download. Fund. Spend. Earn.

Create your wallet, move crypto in, and use it in real life. Your keys stay on your device the whole way.

  1. 01

    Download Lumo

    Get the app on iPhone, Mac, Android or Windows and sign up with Google, Apple or Telegram. Your private keys are created on your device and never shared.

  2. 02

    Fund or buy

    Send crypto in from any exchange or wallet, or buy with around 68 currencies through MoonPay, Guardarian, Onramp.money, BTC Direct and more.

  3. 03

    Swap and spend

    Swap between assets for a flat 0.4%. Spend with your Lumo Basic or Lumo Pro card straight from the assets in your wallet, or top up manually if you prefer.

  4. 04

    Earn and grow

    Stake ETH, SOL and ADA with Everstake, or buy tokenised US stocks and ETFs with Lumo Markets, all from the same wallet.

Swaps0.4%Flat, plus the network feeLumo cards$0 or $3.99Basic is free to open. Pro is a one-time fee.Buy and sellFrom 1.0%Depends on the providerStakingETH · SOL · ADAVariable rates, shown in the app
Self-custody first

Your keys stay yours.

Lumo is built so that you, and only you, control your crypto. The app is simple. The security underneath it is serious.

  • Keys encrypted on your device with AES-256, behind your passcode or biometrics.
  • Connect a Ledger or Trezor for hardware-level protection.
  • Independently audited by Cyberscope, with a 100% score.
  • Sending and receiving is free, apart from the network fee.
Read the audit
A woman relaxing in an armchair, checking Lumo Wallet on her phone
For businesses

Get paid in crypto and cards.

One Lumo Business account for your stores, your invoices and your plugins. Crypto arrives once it confirms on-chain, with no multi-day holds.

  1. 01

    Apply in the app

    Open Lumo Business in the app and apply. You are approved within 24 working hours, and Lumo Crypto Checkout and Lumo Invoicing switch on straight away.

  2. 02

    Set up your stores

    Add up to 5 stores. Install one of 13 plugins and SDKs and paste your lk_ key from Lumo Business in the app to start taking crypto at checkout.

  3. 03

    Add card payments

    Optional: apply for Lumo Card Checkout in the app. It needs identity verification (KYC) and is approved within 48 working hours. Card payment then appears on your invoices and plugins automatically.

  4. 04

    Get paid and withdraw

    Crypto payments have 0% processing and no chargebacks. Withdraw to your own wallet any time or on a schedule, for 1.5% plus the network fee.

Lumo Crypto Checkout0%Processing. 1.5% to withdraw.Lumo Card Checkout£29/moFirst month free. Custodial via a regulated partner.Lumo InvoicingIncludedPaid by crypto, or card once approvedLumo POS$129.99Pre-orders January 2027. Ships April 2027.
Lumo Business on desktop

Sign in with a scan.

Run your business from a bigger screen without typing a password. Your phone is the key.

  • Go to lumowallet.com/business on your computer.
  • Scan the QR code with the Lumo app.
  • You are in. For your security, sessions end after 30 minutes.
Open Lumo Business
A man at his desk scanning the Lumo Business sign-in code with his phone
Ready when you are

Download Lumo Wallet today.

Your keys, your money, on every device you carry.

Download on the App StoreGet it on Google PlayDownload from the Microsoft StoreDownload on the Mac App Store
Three friends holding a Lumo card