Send money at the speed of a message.
Pay bills, split costs, save toward goals and get paid, in one lightweight app that works well even on a weak connection.
Everything in one place
Built for the way people really move money.
Instant transfers
Send to a phone number or account in seconds, with a clear receipt every time.
Savings goals
Set a target, pick a date, and watch the ring fill as you set money aside.
Spending insight
See where the month goes, by category, before the month is over.
Security
Your money, locked behind you.
- Fingerprint or face unlock on every payment
- Instant alerts for every movement on your account
- Freeze your card from the app in one tap
- Encrypted end to end, never stored in plain text
How it works
From download to first payment in four steps.
Download
Under 20 MB, so it installs fast on any Android or iPhone, even on a slow connection.
Verify
Confirm your phone number and add an ID. The check takes about two minutes.
Add money
Top up from your bank, a card or a cash agent near you.
Pay anyone
Send to a phone number, an account or a QR code. Receipts arrive instantly.
Try it
Send some money. It takes a few seconds.
Send to
Simple pricing
No hidden fees. Here is all of it.
| What you do | Lumen Pay | Typical bank app |
|---|---|---|
| Send to another Lumen user | Free | Fee per transfer |
| Send to a bank account | ₦ 10 flat | ₦ 10 to ₦ 53 |
| Pay a bill | Free | Often a service charge |
| Virtual card | Free to create | Varies |
| Monthly account fee | None | Often a small monthly fee |
How much could you keep?
Figures are invented for this concept demo.
People like you
What early users say.
I sent rent at midnight and my landlord had it before I closed the app.
The savings ring made me actually keep going. I hit my first goal in four months.
It works on my old phone with bad network, which is the only reason I switched.
Questions
Things people ask first.
Is my money safe?
Payments need your fingerprint or face, every login is protected, and you get an alert for each movement. You can freeze your card in one tap.
Does it work with a weak connection?
Yes. The app is small, caches what it can, and retries a payment automatically if your network drops halfway.
Can I use it without a bank account?
You can top up with a card or at a cash agent, and cash out the same way.
What if I lose my phone?
Sign in on a new phone, verify your identity, and the old device is locked out. Your balance stays where it is.
When can I get it?
We are building it now. Join the waiting list and we will message you when your invitation is ready.
Coming soon