Hi @riceuten - frustrating to hear and sorry about your experience. A long way from what we are looking to deliver. We’re continually reviewing any crashes across the app.
Thanks for highlighting the crash in ‘Overview’. We have just pushed a new version with improved speed and performance. Should solve this problem.
Looks like Lumio is crowdfunding - and they already seem to be overfunding! 
I really like the look, but still no Android? What gives @CR_Lumio?!
Also, no connection with mortgage providers?
(This might also be of interest)
Hey @Peter_G
Thanks for the questions and the link.
Our Android app is being slowly released to more and more users via our beta rollout. If you email me at charlie@lumio-app.com and I’ll do my best to provide you with early access.
Regarding Mortgages, we are releasing this as well but will be at least 4 weeks away.
Thanks again for the note and look forward to hearing what you think of Lumio!
@cr_lumio investment platforms have started to use 2-factor authentication. For example with Hargreaves Lansdown you need to enter SMS code upon every login.
I see Lumio supports HL and other investment platforms. How exactly is this supported in your app? Would we need to enter 2-factor authentication codes every time you do a sync?
Hey @o99
This will vary from provider to provider, and currently, HL is requesting it.
This does have benefits in form of greater security but it does come at the cost of friction for the users.
We are working with all providers to move them across to stronger and more stable API-based connections. Wherever possible, Lumio will be API first.
Hope this helps.
Thanks. How does it affect day-to-day user experience? For example, do you run a background sync/refresh every day and every day we get a pop-up from Lumio app asking for a 2FA code? Or do you disable background sync for such accounts and require user initiation?
For platforms where it is possible to “trust the browser” is it different (e.g., Interactive Investor)? In these cases can 2FA be done once in the Lumio app and then from then on can the sync happen in the background without user interaction?
Lots of interesting stuff in the pipeline for Lumio. From a recent email, here’s what’s in the pipeline:
Here’s what to expect in the near future:
Standing Orders & Beneficiaries
Offline Accounts
Crypto Connections
The most exciting update - for now, we’re going to call it Lumio 2.0
- will take your finance game to the next level. We’re going to give you a sneak peek, but more details will follow in the months ahead and with the big reveal.
)
Here are some other fresh, new features and improvements to look out for this year:
Intelligent Budgeting
I’m particularly keen on the last bit. Mortgages and Zoopla (house prices) are excellent and a bit of a game changer / differentiator.
I am curious about Lumio but I just want to get an overview of how it’s going to be funded and what happens with our data?
Is aggregated data sold etc?
I am just naturally wary of free things and check first.
Hey @l33t - Charlie here, co-founder of Lumio.
Thanks for your message and sorry for the delay in coming back to you. It slipped off my radar.
Lumio is currently funded by private investors, and we are releasing Lumio Pro later this year as our first subscription service. We want to continue to build and improve on Lumio for years to come, and subscription pricing makes that possible.
We believe charging a fair price for a well-made product is among the most honest ways to run a sustainable business. We’ll continue to do the work we love, and you get the comfort of knowing that we’ll never sell your data or promote other companies’ products just to make a buck.
Lumio Pro will be a big step to enable our customers to automatically control the flow of their money across their lives and for their loved ones. Hope this helps. Please tag me with any Qs!
All the best,
Charlie
cc @Peter_G @o99 @riceuten @welshguy99 @nathanthomson8 @Alexxxxx @anon87598344 @Anzo @A1ex
Just to note this has been a really pleasant find. With First Direct not offering budgeting or tracking expenditure across pay periods this was the app I needed!
One thing to call out that I really like is that it includes transactions even if they are pending and somehow picks up the date they occurred when others don’t.
Great work and looking forward to using it more.
Notice they are able to pull transactions from starling spaces so it is possible
Yes but with FD I’ve found the others (Emma etc) don’t seem to be able to pick up the date, just showing it as the date it cleared.
Whereas Lumio shows the date the transaction actually occurred.
Just been trying to set it up, it seems for NatWest it only has “NatWest International” which apparently isn’t the same as regular NatWest and doesn’t accept my details.
I tried it as I also have NatWest too. Looks like it is screen scraping vs Open Banking on the basis it doesn’t just go into the app to approve.
Perhaps they’ll add it one day but I have to say the inbuilt insights are pretty good.
I added a bunch of accounts and Monzo was the only one that used the app, all the others required the online banking flow.
Strange, both First Direct & Barclays both connected via open banking and via the app with no additional login required (just Face ID and a button to grant permission)
For me, Lumio is what trends could have been (and who knows, maybe it will?)
I’m really impressed so far. It’s filling a black hole left by not having trends since I don’t use Monzo currently. (it really highlights just how good trends actually is btw)
The ability to see current and previous spend trend lines, filter budgets across accounts and readily see spending across timescales and add in accounts manually for me adds the edge.
I do wish you could create or modify categories though. Strangely it’s quite detailed but also not at the same time. For example, you can put down “clothing” “pets” etc but not “shopping” as a category.
That’s odd because it connected to my RBS account via Open Banking without any issues.
Pretty impressed by Lumio so far. I’ve connected everything via Open Banking except Hargreaves Lansdown, Atom and InvestEngine.
Am I missing something or is there no way to add transactions to a manually created account, like you can with Emma?
Not for me - my Bills space is showing empty, despite having transactions in it.
That’s strange definitely there on all my spaces that have direct debits on them