About us

An independent magazine about money

LumosPay covers personal finance, banking products, investing and digital assets for readers who want to understand the mechanics rather than the marketing. We write for people making real decisions: which savings account to open, whether to overpay a mortgage, how a retirement account is taxed, what a stablecoin is actually backed by.

What we publish

• Explainers that define terms instead of assuming them.
• Comparisons that show the trade-offs, including the ones that cost money.
• News analysis focused on what a policy change means for a household budget.
• Risk-first coverage of crypto, without price predictions.

Editorial standards

Every article is written to be useful a year after publication. We describe products generically wherever possible, we state assumptions behind any calculation, and we correct errors openly rather than quietly. We do not accept payment for coverage and no advertiser sees an article before it is published.

How we are funded

LumosPay is supported by advertising displayed alongside our content. Advertising is sold and served separately from the newsroom and has no influence on what we cover or what we conclude. Details of the data used for advertising are set out in our Privacy Policy.

Not financial advice

Everything on LumosPay is general information. It does not account for your personal circumstances, tax position or jurisdiction. For decisions with significant financial consequences, speak to a qualified professional.

Questions, corrections or story tips? Contact us.