New on Luminous: NGN, GHS, ZAR, KES & EGP accounts are live. Open one in seconds — no monthly fees, ever.
Luminous
Money, made luminous.
For people, merchants & teams.
Luminous is one bright dashboard for USD, EUR, GBP, CAD, AUD, JPY, NGN, GHS and Bitcoin. Hold, send and spend in any currency — with transparent FX and cards that ship in seconds.
Run your whole storefront from Luminous
Sell products, manage subscriptions, send invoices and get paid in any currency — all credited straight to your Luminous wallet.
One-time goods, services, and inventory tracking with low-stock alerts and variants.
Weekly, monthly or yearly plans. Auto-renewals, billing history and one-tap cancel.
Recurring schedules, reminders, and pay-by-link in a customer's preferred currency.
Share a single URL to collect payments — no checkout build required.
Upload a CSV to pay contractors and suppliers across currencies in one go.
Invite teammates with scoped permissions. Owners stay in control.
A financial platform built around you
We built the bank we always wanted. Simple, fair, transparent — and always on your side, whether you're sending €20 or running payroll across four currencies.
No monthly fees. No transfer fees between Luminous members. No surprise FX markup. What you see is what you pay.
Money moves in seconds, not days. Open accounts in minutes. Cards activate the moment you tap them.
Freeze cards, set limits, track spending in real time, and get alerts the second something happens.
10+ currencies plus Bitcoin, real exchange rates, and a single dashboard that follows you across borders.
From sign-up to your first transfer in under five minutes
No paperwork. No branch visits. Just four steps between you and a fully working multi-currency account.
- 01Create your account
Sign up with an email and a name. Personal or merchant — you choose.
- 02Open a wallet
Add USD, EUR, GBP, NGN, GHS, BTC and more. One tap, no minimum balance.
- 03Move your money
Transfer to anyone with a Luminous account number, in any currency you both hold.
- 04Get paid
Share a Quick Pay link, send an invoice, or sell a product. Funds land instantly.
Why haven't you switched yet?
Compare Luminous to your traditional provider. The choice is clear.
Security that fades into the background
Every Luminous account ships with bank-grade security by default — so you can focus on your money, not on protecting it.
Your data is encrypted in transit and at rest.
Face or fingerprint, on every sensitive action.
Know the second your card is used or money moves.
Real people, available through tickets and live chat.
Questions, answered
Everything you need to know about fees, transfers and Bitcoin on Luminous.
Talk to a real human.
Pick a question above or write your own — we usually reply within a few hours.
Why founders, operators and finance teams choose Luminous
"Luminous turned what used to be three banking apps and a spreadsheet into a single, calm dashboard. Paying contractors in NGN, GBP and USD is finally one click."
"It's the first time a bank has actually felt designed. With Luminous, cards, FX and Bitcoin live in the same place — the way money should work."
"Luminous is transparent about FX, and the editable rate on cross-currency transfers has saved our team thousands this quarter alone."