Your next credit card?
Get £25 cashback when you spend or transfer a balance of £500 or more with a Balance Transfer or Purchase Plus card. Offer ends 10 August 2026. Representative 24.9% APR (variable). Credit is subject to status. T&Cs apply.
Apply nowAvailable to new and existing customers. Offer and eligibility criteria apply. View offer terms and conditions Offer may be withdrawn at any time.
Join Lumina Premier today
Lumina Premier is our premium account that gives you more than banking with wealth, health and travel benefits, and rewards too. Eligibility criteria and T&Cs apply.
Premier Bank AccountBuy and manage funds online
It's now even easier for Lumina UK current account customers to manage, buy and sell investments online. Capital at risk. Fees apply.
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Looking for help?
Find answers to your questions and get the latest guidance.
Growing your money
Explore ways you could make the most of your money to help reach your goals.
Stocks & shares ISA
Lumina Small Business Banking Account
We're here to support your business all the way, that's why there's no monthly account fee and free UK digital banking.
Small Business Banking AccountWhy bank with Lumina?
With one of the UK's most accessible banking networks, we're easy to find.
Meet with us for advice on selecting the right account for you, building your savings, managing debt or investing in your future.
Have foreign cash delivered free to your home or your nearest Lumina Banking Centre.
Send money to over 120 countries using Lumina Global Money Transfer and pay no transfer fee.
Discover other ways we can help you
Your security, our priority
We use advanced encryption and multi-factor authentication to keep your account and money safe at all times.
Learn about security
Investing
Trade smarter, not harder
Open a Lumina Investor's Edge account and access stocks, ETFs, and more with no commission on eligible trades.
Learn moreCards designed for you
Whether you're spending at home or abroad, our range of Visa cards puts you in control — with cashback, travel perks, and zero foreign fees.
Featured
Lumina Business
Visa Signature
No foreign transaction fees, unlimited cashback, and premium travel benefits worldwide. Built for business, designed for life.
Apply nowQuestions?
FSCS
PROTECTED
Lumina Bank is a member of the Financial Services Compensation Scheme (FSCS).