Everyday banking
Current Account
A smart, full-featured current account with no monthly fee. Open in minutes.
Open an account
No monthly fee · No minimum balance · Open in under 5 minutes
Why Lumina
Everything you need
Instant payments
Send and receive money in seconds with UK Faster Payments and real-time Lumina-to-Lumina transfers.
Spend worldwide
Use your Lumina card in over 200 countries with no foreign transaction fees on eligible transactions.
Full mobile banking
Manage every aspect of your account from the Lumina app — 24 hours a day, 7 days a week.
FSCS protected
Your eligible deposits are protected up to £85,000 per person by the Financial Services Compensation Scheme.
Automated savings
Round-up spare change on every purchase automatically into your savings pot.
Virtual cards
Create virtual card numbers for online shopping to keep your main card details safe.
What you get
Included as standard
UK account number and sort code
Contactless Visa debit card
Apple Pay and Google Pay
Fee-free ATM withdrawals in the UK
Instant spending notifications
Budgeting tools and spending insights
24/7 in-app customer support
Up to 4.5% AER on linked savings
Transparent pricing
Account fees
Monthly account fee
Free
UK ATM withdrawals
Free
UK transfers
Free
International transfers
From £3.99
Replacement card
Free
Ready to open your account?
Apply in minutes. No credit check for the standard account. FSCS protected.
Get started