Security Centre
Protected, always—and you'll always know how.
We explain every safeguard in plain words—because trust shouldn't need a dictionary.
Deposit protection
Eligible deposits are protected up to $250,000 per customer.
Encryption everywhere
Your data is encrypted in transit and at rest, using the same standards as major banks.
24/7 fraud monitoring
We watch for unusual activity around the clock and alert you instantly.
Biometric login
Unlock with your face or fingerprint. Nobody else gets in.
Card controls
Freeze, unfreeze, or block online payments in a single tap.
Real people
Talk to a human support specialist, day or night, in minutes.
Think something's wrong?
Freeze your card in the app straight away, then message us. We'll never ask for your PIN or passcode.
Report fraud- $250K
- deposit protection
- 24/7
- fraud monitoring
- 256-bit
- encryption
- < 2 min
- average support response
Frequently asked questions
What should I do if my card is lost?
Freeze it instantly in the app. If it doesn't turn up, order a replacement in one tap and we'll cancel the old one.
Will Lumen ever call me to ask for my PIN?
Never. We will never ask for your PIN, passcode or one-time codes by phone, email or message.
How do you protect my personal data?
We encrypt your data, never sell it, and only share it when the law requires us to.
What if I'm charged for something I didn't buy?
Report it in the app. We'll investigate and, in most cases, refund you while we look into it.