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United Kingdom
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Payment Cards for Every Occasion
Whether for personal spending, business travel, or team expenses, Luminary cards give you the flexibility to pay your way. Use them globally in GBP or any currency, and manage everything seamlessly through the app.
Trusted by 10,000+ users
Multi-Currency Cards
Pay seamlessly in GBP, EUR, or any traditional currency with instant conversion at the point of sale.
Virtual & Physical Cards
Create unlimited cards for online purchases, subscriptions, business travel, or team expenses—delivered instantly.
Easy-to-Use App
Manage all your cards in one place: set limits, track spend in real time, and freeze cards with a tap.
Payment Cards for Every Need
Card Vaults for Budgeting
Take control of your spending with dedicated vaults linked to your cards. Set aside funds for travel, advertising, subscriptions, or team expenses—and track every transaction with complete clarity.
Different Card Programmes
Choose the right card for the way you work and spend. From media buying to everyday payments, Luminary has a tailored solution for you.
Real-Time FX
Enjoy seamless payments wherever you are. With real-time card FX, your purchases are automatically converted at competitive rates, letting you spend confidently in any country without extra hassle.
Multi-Currency Card for Everyday Use
Turn your funds into real-world spending power. Pay anywhere in GBP or local currency, enjoy instant conversion, and experience seamless contactless payments.
24/7
Spend Control
99%
Approval Rate
150+
Countries Supported
Designed for businesses of every size
For individuals
Simplify your finances with easy payments, cards, and multi-currency accounts—so you can focus on what matters most.
For start-ups
Get the flexibility to scale rapidly with instant cards, real-time currency conversion, and seamless multi-currency options.
For enterprises
Manage complex operations with advanced controls, API integrations, and global treasury solutions built for scale.
Finance Without Borders
Send and receive payments worldwide, exchange fiat, issue multi-currency cards, and stay connected with eSIMs—all from one secure platform.