Frequently asked questions

Lumo Wallet is a self-custody wallet for everyday life. You can hold, swap, buy, sell and spend crypto from one app, and businesses can get paid in crypto and by card with Lumo Business. Lumo launched on 1 July 2026.

Lumo is available on iPhone, Mac, Android and Windows, from the App Store, the Mac App Store, Google Play and the Microsoft Store. The iPhone app is live on the App Store now.

Download the app and create your wallet in a few taps. You can sign up with Google, Apple or Telegram. Your private keys are generated on your device and never shared.

You can buy crypto with around 68 fiat currencies and sell crypto back to fiat inside the Lumo app where available. These services come from licensed providers such as MoonPay, Guardarian, Onramp.money, BTC Direct and more, who deposit purchased assets directly into your self-custody address.

The Lumo app is available in 10 languages. Card and payment services depend on your country, so check the Lumo Basic and Lumo Pro card country lists before you order a card.

Your crypto is 100% non-custodial. You keep full ownership of your private keys and digital assets at all times. Lumo never stores your recovery phrase and has no access to your crypto. The one exception is Lumo Card Checkout for businesses, which is custodial: card payments are held by a regulated payments partner until they are paid out.

No. Because Lumo is non-custodial, your recovery phrase and private keys are generated and stored locally on your device. Lumo cannot access your wallet, freeze your account, or recover funds if your backup phrase is lost. Always store your recovery phrase securely offline.

Yes. Your keys are encrypted on your device with AES-256 and protected by your passcode or biometrics. Transactions are signed locally, so your private keys never leave your device.

Yes. Lumo Wallet has been independently audited by Cyberscope and received a 100% score. You can read the full audit at app.cyberscope.io/audits/1-lumo.

Yes. You can connect a Ledger or a Trezor. Trezor works on iPhone over Bluetooth, hardware accounts appear on your Home screen, and sending from a Ledger is supported on EVM networks.

Core wallet features such as creating a wallet and storing assets are designed for self-custody. Buying and selling, card services and other regulated services are subject to compliance checks, identity verification and business verification where required by licensed partners. Lumo Card Checkout for businesses always requires identity verification (KYC).

No. Lumo Wallet is a software provider and is not a bank. Card issuing, fiat conversion and banking-related services are provided by licensed and regulated third-party financial institution partners.

Lumo integrates with licensed payment processors, card providers, and KYC and AML screening partners that hold regulatory credentials. This helps ensure card loads, withdrawals and banking interfaces operate in line with applicable regional requirements.

Swaps are a flat 0.4% whatever the provider, plus the network fee. Buying and selling starts from 1.0% and depends on the provider. Sending and receiving is free, apart from the network fee.

No. Rates move with the market and are never locked. You always see the final quote before you confirm a swap.

Lumo Crypto Checkout has 0% processing on crypto payments. When you withdraw to your own wallet there is a 1.5% withdrawal fee plus the network fee. Lumo Card Checkout is £29 a month, with the first month free as a welcome offer, plus card fees starting at 2.25% + £0.30 for UK cards. Terms apply.

UK cards are 2.25% + £0.30, European cards are 3.75% + £0.30 and international cards are 4.88% + £0.30, with an extra 1.5% when the card is in another currency. Payouts to your bank are 1% + £0.50.

There are two cards. The Lumo Basic card is issued with Wirex, has no fee to open and comes with a monthly spend allowance you can set. The Lumo Pro card is issued with Interlace and has a one-time issuance fee of $3.99. Card issuing, processing and fiat exchange are provided by licensed third-party partners.

No. By default your card spends the available assets in your Lumo wallet. If you prefer to set an amount aside, you can top up your card manually in the app. Your card statements are in the app too.

Online and in stores where cards are accepted, and with Apple Pay and Google Pay where supported. Availability depends on your country, so check the Lumo Basic and Lumo Pro card country lists.

Yes. Lumo Business gives you Lumo Crypto Checkout and Lumo Invoicing to accept crypto online, with 13 plugins and SDKs for platforms such as WooCommerce, Magento and PrestaShop. Add Lumo Card Checkout to take debit and credit cards too.

Apply for Lumo Business in the Lumo app. You are approved within 24 working hours, and Lumo Crypto Checkout and Lumo Invoicing switch on straight away. You can run up to 5 stores from one account.

Install the plugin for your platform and paste your lk_ key from Lumo Business in the app. The lk_ key is your Lumo Crypto Checkout key.

Lumo Card Checkout lets you accept debit and credit cards. You apply for it separately in the app. It requires identity verification (KYC) and is approved within 48 working hours. Once approved, card payment appears automatically on your invoices and plugins. Card Checkout is custodial: card funds are held by a regulated payments partner until they are paid out to your bank.

Crypto payments arrive in your Lumo Business wallet once they confirm on-chain, with no chargebacks. Withdraw to your own wallet any time or on a schedule. Each withdrawal costs 1.5% plus the network fee.

You can refund a card payment from the app, in full or in part, as long as you have enough Card Checkout balance. You can add funds by bank transfer. If a customer disputes a payment there is a £20 dispute fee. The fee is not refunded if you win, but the disputed amount comes back to you.

Go to lumowallet.com/business on your computer and scan the QR code with the Lumo app. For your security, sessions end after 30 minutes.

Lumo POS is a handheld terminal: your customer scans the code made in Lumo Business. It has 4G and WiFi and a battery that lasts up to 72 hours. Pre-orders open in January 2027 and it ships in April 2027.

Message Lumo support on WhatsApp at +1 570 965 5217, or email [email protected]. Our technical support team can help with wallet and integration questions. For Lumo Business sales and onboarding, schedule a meeting with Dimitris Karypidis from the Support page.

The knowledge base has step-by-step guides and user manuals. Product updates and service alerts are on the notifications page, and you can check live service health on the server status page. You can also join the official Discord and Telegram communities for announcements.

Lumo Wallet LLC is incorporated and registered in Wyoming, United States. Our registered address is 1603 Capitol Ave, Suite 413G-2406, Cheyenne, Wyoming 82001.