Your safety
How we protect your money, data, and identity.
Protection
256-bit Encryption
All data is encrypted in transit using TLS 1.3 and at rest using AES-256. Your information is unreadable to anyone but you.
Two-Factor Authentication
Add an extra layer to every login with an authenticator app. Even if your password is stolen, your account stays safe.
Real-time Fraud Monitoring
Our AI systems monitor every transaction 24/7. Unusual activity triggers instant alerts and automatic holds to protect your funds.
FSCS Protection
Eligible deposits are protected up to £85,000 per person by the Financial Services Compensation Scheme — at no cost to you.
Stay safe
Never share your one-time passcode (OTP) with anyone — Lumina staff will never ask for it.
Use a strong, unique password for your Lumina account. A password manager can help.
Enable two-factor authentication in Profile > Security > Two-factor authentication.
Avoid banking on public Wi-Fi. Use mobile data or a trusted private network.
Be suspicious of emails or calls claiming to be from Lumina. Check the sender address carefully.
Lock your phone with a PIN, fingerprint, or face ID to protect the app if your device is lost.
Urgent?
If you suspect fraud or unauthorised access to your account, contact us immediately. We are available 24/7.