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The social way to borrow, pay and share money

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fumo is a secure, card-free social payment app built entirely on open banking, allowing consumers to instantly transfer interest free money between family, friends or groups, with no fees.
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Manage your social balance

Make and track purchases

View your 

bank balance

Notifications and

payment alerts

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How Fumo helps you

fumo is free to use and allows anyone to instantly request or transfer interest free money between friends, family or groups with no fees. Track exactly who owes what, when you’ll be repaid, or give them a nudge, irrespective of who you bank with. You can even pay through the fumo app when shopping online or instore.

Lifeline

When waiting for pay day, you can instantly borrow interest-free money from friends / family eliminating the need to use a credit card.

Flexibility

Agree convenient repayment plans with friends / family 

Transparency

See who owes who, get notified when money is reimbursed, or nudge someone to repay

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Dashboard

Coordinate and track your social borrowing, lending and payments in one place

Secure Card Free

Pay securely online or instore without the need to carry a card, or share your card / bank details. 

Convenience

Easy group payments; instantly send or share money as part of a group or pay on behalf of a friend

Here's a quick explainer video to help...

Paying with a Phone

The Fumo story

At fumo we’re driven by a sense of responsibility to help educate our community on the subject of social money.

For too long, there has been little education in the market to help young consumers manage personal finances. The financial institutions make it too easy to borrow money without making the consumer fully aware of the consequences, or indeed communicate any alternative options that might be in their better interests. 

At fumo, we aim to provide tools that give consumers an easier way of managing their social borrowing and lending - bringing simplicity to everyday money management tasks.

We want to help our community benefit from our platform - and the partnerships we foster - in order to help our ecosystem improve their financial wellbeing, for both consumer and merchant alike. This collaborative approach to help each other is what drives us at fumo.

Why we started

A sense of responsibility to leverage our experience and help improve the lives of our consumers around the delicate matter of social money management

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Why we started

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Bigger picture

Our community of consumers & merchant partners are intrinsically linked.  It’s an evolving circle of trust to drive benefits to our community of users.

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Bigger picture

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Why we do it

To challenge the financial institutions and give consumers greater choice & transparency.

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Why we do it

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The future

To improve the financial wellbeing of our community.

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The future

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Get in touch

Do get in touch with your questions, whether you're a user of the App or a merchant, we’d love to help!

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