About us
Building the future of personal banking — for everyone.
Our mission
We believe everyone deserves world-class banking. Lumina Bank was founded to make private-banking-quality services accessible to everyone — not just the wealthy few.
We are a technology-first bank, built from the ground up on modern infrastructure. No legacy systems, no branch queues, no paper. Just fast, secure, intelligent banking in your pocket.
Fully authorised and regulated in the United Kingdom, Lumina Bank holds a banking licence from the Prudential Regulation Authority. Your deposits are protected by the FSCS up to £85,000.
2001
Year founded
2.4m+
Customers
£31.6bn
Assets under management
4.9★
App Store rating
What we stand for
Trust
We safeguard your money and data with the highest standards of security and regulatory compliance. Your trust is the foundation of everything we do.
Innovation
We build technology that makes banking faster, simpler, and more intuitive — so you spend less time managing money and more time living your life.
Inclusion
We believe world-class banking should be accessible to everyone, not just the privileged few. Fair pricing, clear terms, no hidden charges.
Leadership
Sarah Mitchell
Chief Executive Officer
Former VP at Barclays. 20 years in digital financial services.
James Okafor
Chief Financial Officer
Previously CFO at Starling Bank. Chartered accountant, FCA.
Priya Sharma
Chief Technology Officer
Ex-engineering director at Monzo. Fintech infrastructure specialist.
Lumina Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FCA Register No. 56754). Deposits protected up to £85,000.