Personal Banking
Personal banking, designed around you.
Four simple steps. No jargon, no fine print, no waiting on hold.
- 1
Download & sign up
Get the app and enter a few details. It takes about five minutes, with no branch visits and no paperwork.
- 2
Verify your identity
Take a photo of your ID and a quick selfie. We confirm it's you, usually in under two minutes.
- 3
Get your card
Your virtual card is ready instantly for online and phone payments. The physical card arrives in 3–5 days.
- 4
Bank in the light
Every payment appears the moment it happens, with the merchant, the category and your new balance.
Everyday control, built in
Instant alerts
A notification for every payment, every time.
Freeze in one tap
Lost your card? Lock it, then unlock it when you find it.
Spending limits
Set daily caps for shopping, cash or online purchases.
Smart categories
See where your money goes, in plain words.
- 5 min
- average account opening
- 0
- branch visits required
- 24/7
- in-app human support
- 150+
- countries your card works in
One account. Everything you need.
Your Lumen current account comes with local account details, a contactless debit card, Apple Pay and Google Pay support, direct debits, standing orders and instant transfers—at no monthly cost.
- Get paid up to two days early
- Split bills and request money from friends
- Hold and spend in 15 currencies
- Download statements any time, in PDF or CSV
Frequently asked questions
Who can open an account?
Anyone aged 18 or over with a valid passport or national ID and a residential address in a supported country.
Is there a minimum deposit?
No. You can open your account with a zero balance and add money whenever you're ready.
Can I switch my salary to Lumen?
Yes. Share your new account details with your employer, or use our switching service and we'll move your payments for you.
How do I contact support?
Tap Help in the app to chat with a real person, any time of day. You can also call us on the number printed on your card.