Spend crypto
like cash.
Tap, pay, done.
Get your cardTurn your USDT, BTC, and ETH into a Visa card — add it to Apple Pay in 30 seconds and spend anywhere in the world.
Netflix
Uber
Airbnb
eBay
Stripe
Shopify
Visa
Mastercard
Spotify
PayPal
Apple Pay
Google PayNetflixUberAirbnbeBayStripeShopifyVisaMastercardSpotifyPayPalApple PayGoogle PayWhy people switch
Your bank charges you.
Lumo doesn't.
0.5%
Conversion fee. That's it.
No hidden FX markups. No monthly fees. No subscription. Just 0.5% when you spend — cheaper than every traditional bank card.
€42.00
Whole Foods
€42.00
Whole Foods
Apple Pay & Google Pay.
Ready in 30 seconds.
Add your Lumo card to both wallets instantly. Tap to pay anywhere contactless is accepted.
Add to Home Screen
How it works
From signup to first tap:
under 5 minutes.
01
Sign up
5 seconds · no credit check
Verify identity
Selfie
Government ID
Verified ✓
02
Verify identity
Selfie + ID · under 2 minutes
Top up wallet
USDT
Tether
1,250.00
BTC
Bitcoin
0.034
ETH
Ethereum
1.20
Total balance
$1,345.82
03
Top up with crypto
USDT, BTC, ETH · any chain
Apple Pay
€42.00
Whole Foods Market
Double-click to pay
Lumo Card
•• 4291
04
Tap to pay anywhere
Apple Pay · Google Pay · 100M+ POS
01
Sign up
5 seconds · no credit check
Verify identity
Selfie
Government ID
Verified ✓
02
Verify identity
Selfie + ID · under 2 minutes
Top up wallet
USDT
Tether
1,250.00
BTC
Bitcoin
0.034
ETH
Ethereum
1.20
Total balance
$1,345.82
03
Top up with crypto
USDT, BTC, ETH · any chain
Apple Pay
€42.00
Whole Foods Market
Double-click to pay
Lumo Card
•• 4291
04
Tap to pay anywhere
Apple Pay · Google Pay · 100M+ POS
Crypto Card
Tap to pay anywhere.
Spend your crypto with a Visa card at over 100 million locations worldwide. Add to Apple Pay or Google Pay in under 30 seconds.
Get your card→
No. Lumo is a fintech product built on top of licensed card-issuing infrastructure. Your funds are held by regulated custodians, not Lumo directly. We're the product layer — the experience — not the bank.
Lumo is available in 40+ countries across Europe, Southeast Asia, and Latin America. We expand monthly. During signup, you'll see if your country is supported.
USDT (ERC-20, TRC-20, BEP-20), Bitcoin (BTC), Ethereum (ETH), and USDC. We support the most widely held assets. More coming soon.
Under 30 seconds. Open your Wallet app, tap "+", select Lumo, and verify with Face ID or your PIN. That's it.
Your card is linked to your account, not your phone. Log in from any device, freeze the card instantly, and request a new virtual card in seconds. Physical cards can be frozen the same way.
No. We charge 0.5% on crypto-to-fiat conversions. ATM withdrawals are free up to $400/month. There's no monthly fee, no subscription, no statement fee, no inactivity fee.
Funds are held by regulated custodians with insurance coverage. We don't have access to your private keys. For crypto wallets, we use multi-sig cold storage.
Yes. Virtual cards are issued instantly. Physical cards are shipped within 3–5 business days to supported countries. The physical card works at any Visa POS terminal and ATM globally.