Where Knowledge Becomes Power — and Power Builds Community
Lumina by Lumi is designed to make clarity accessible and confidence achievable.
Guided by Lumi, you’ll gain the tools, knowledge, and support to make empowered financial decisions — for yourself, your family, and your community.
Stay on Budget with Lumina Empowerment starts with awareness.
Stay on Budget with Lumina
Financial freedom starts with awareness.
Lumi helps you make sense of where your money goes — guiding you toward smarter spending and confident saving. Try the free EveryDollar app to start tracking your goals today.
Step 01
Create a Bloom circle
Invite up to 10 contributors to join your Bloom circle and choose your frequency of pay in.
Step 02
Invite your friends
Each invited contributor can link their UK bank account to Bloom, making it easy and secure to send and receive money.
Step 03
Make automatic contributions
Contributions are collected from each member of the group automatically with secure payments according to the schedule you set. We’ll even remind you before your payment is due!
Step 04
Receive your payout
Bloom sends the payout to the collector’s bank account automatically. Organizers don’t need to worry about tracking pay-ins and payouts — everything is handled by Bloom’s app.
Why Choose Lumina
A learning hub you can rely on
Trusted Partners
We highlight partners and tools that value transparency and education — never random or unreliable sources.
Your Journey, Your Pace
Explore privately and comfortably with no pressure or judgment.
We’re dedicated to building a community money club app you can trust. So we’ve put the best security measures in place to protect your money and private data.
Clear, Simple Education
Complex topics like credit, budgeting, homeownership, and wealth are explained in plain, approachable language.
Built for Real Lives
Lumina supports everyday people — whether you’re rebuilding, starting fresh, or preparing for your next step.