Pay like a local in Southeast Asia.
European travellers lose €50–150 per trip on ATM fees, bad exchange rates, and cash risks. Lumi connects you to local QR payment systems — so you pay in local currency at near-interbank rates, instantly.
Cash is expensive
Airport exchanges charge 8–10% spreads. ATMs add flat fees + your bank's markup. You lose money every time you access your own money.
Cards cost more than you think
1.5–3% foreign transaction fees, plus currency conversion markups hidden in the fine print. And most local merchants don't accept them anyway.
Cash carries real risk
No fraud protection, no chargeback, no dispute. If it's stolen or lost, it's gone. Carrying large amounts in tourist areas is a liability.
How Lumi works
Three steps. No cash. No card machines. No hidden fees.
Top up
Add euros from your European bank account to your Lumi wallet. Takes seconds.
Scan
Scan any local QR code — PromptPay in Thailand, VietQR in Vietnam, QRIS in Indonesia.
Pay
Payment settles instantly in local currency at near-interbank rates. You see the euro amount in real-time.
Choose your destination
How does Lumi compare?
See how we stack up against Revolut, Wise, and traditional banks for Southeast Asia travel.
View ComparisonLast updated: July 2026