M-Pesa & bank SMS
The alerts you already get, read and understood automatically.
Built for how money moves here
You check M-Pesa before the matatu. Lumo shows you the rest.
Your money lives across SMS alerts, till numbers, receipts and cash. Lumo gathers it — no bank login, no lecture — into one clear picture.
Read on your device. Never uploaded.
50 earners already on the waitlist
This week
The nouns your money actually uses.
Till & paybill
Mama mboga, the duka, KPLC tokens — named the way you’d say them.
Cash gaps
The matatu fare and the mandazi that SMS never sees — captured in two taps.
What you’ll notice first
You received KES 42,000 and spent KES 18,400 this week.
A clear in-and-out, no maths required.
You usually spend more on weekends.
Not a problem — just something worth seeing.
No one should lose control of their money simply because they couldn’t see it.
Free while we’re in early access · private by default