Lumo Plus in Bitcoin: Proton’s price and how on-chain payment works

Lumo is Proton’s private AI assistant, and Lumo Plus is billed like every other Proton plan. That means Bitcoin works: Proton accepts on-chain BTC for all its subscriptions. Two catches. You can’t pay in BTC while creating the account, only afterwards from settings, and Bitcoin payments never renew automatically. Proton also takes cash by post, bank transfer and its own gift cards. Nothing here goes through us, and we earn nothing on it.

Prices below come from Proton’s checkout data with no promotion running, re-checked on October 12, 2026. The big product change this year was Lumo 2.0 on June 30, 2026: image generation, Memory, Projects and custom Lumos. The Lumo Plus price stayed put.

What Lumo Plus costs, alone or bundled

Proton’s checkout gives the same numbers whether you pick dollars, euros or Swiss francs. Sterling and other local currencies can show up when paying by card, PayPal or a phone wallet; we couldn’t pull a pound price from Proton’s plan data.

Plus raises your allowance on the Max model, messages, chat history and image generation, and removes the caps on Projects and custom Lumos. Proton Workspace Premium and Proton Lifetime include it too. Switching plans is prorated. There’s no Lumo Plus offer on Proton’s student page.

Paying for Lumo Plus in BTC

1. Sign up for a free Proton account first. Skip the paid plans at this stage.
2. In the web app, go to Settings, then All settings.
3. Press "Compare all plans", pick Lumo Plus, a currency and a billing length, and select it.
4. Under Payment details choose Bitcoin. You get an address, its QR code and the amount in BTC to send.
5. Send it. The upgrade applies at once, and Proton may take up to 24 hours to finish verifying the payment.

We didn’t push a live Lumo Plus purchase through ourselves. Proton’s Bitcoin instructions cover every subscription, and Lumo Plus is in the same plan list as Mail or VPN.

Points that trip people up:

• Base layer only. The payment has to go over the Bitcoin network. Lightning, ERC-20 tokens, Monero and TRC-20 USDT are all unsupported.
• Manual renewal. Proton can’t pull Bitcoin from you, so each period is a fresh payment, sent at least a day before the due date. A 12-month plan means one transaction a year.
• One address, one payment. Use the QR code shown each time. A second payment to an old address won’t be matched to your account.
• Overpaying. Anything extra stays as credit, and Bitcoin-funded credit doesn’t expire. It only pays bills in the same currency.
• No middleman named, no ID. Proton’s Bitcoin page names no payment processor, asks for no identity documents and sets no minimum.
• Refunds. Proton’s terms refund a first purchase in full if you cancel within 30 days, once per user, back to the original method. Cash and bank transfers are excluded. How that applies to a BTC payment, Proton doesn’t say.

All the ways Proton takes money

Cash goes in an envelope to Proton AG in Geneva, with your username inside. A bank transfer is credited once you send proof through Proton’s support form.

Apple’s price for Lumo Plus is $12.99 for one month and $119.99 for twelve. Apple uses your Apple Account balance ahead of your card, except for subscriptions that don’t allow it. App-store purchases are refunded under Apple’s or Google’s rules, not Proton’s.

Fine print

Gift cards. Proton’s own shop, shop.proton.me, has digital cards at $20, $50 and $100. Redeemed (Settings → Subscription → Gift code), the code turns into account credit, which can then go toward Lumo Plus or any other plan. Note that the shop has no crypto option at all, and that a card in dollars only settles plans charged in dollars. Proton has warned about counterfeit coupons; stick to the official shop.

Families. Buy the add-on on Duo, Family or Visionary and it can extend to the plan’s usual headcount: two people on Duo, six on the other two.

Who’s behind it. Lumo describes itself as owned by a Swiss nonprofit and run as a European service under GDPR.

If you’d rather pay with Monero or USDT

For Lumo, Proton’s BTC checkout is direct, so use it. If your coins are Monero or USDT, which Proton refuses, or you’d like a different assistant, we sell these for many coins, BTC included, with our fee in the price:

• Claude Pro or Max: comes with Claude Code. Which one to pick: Claude Pro or Max, paid in Bitcoin.
• ChatGPT Plus or Pro: image generation and Codex.
• Perplexity Pro: AI search across several top models.

What a Bitcoin payment shows on-chain, and what Monero hides, is covered in Monero or Bitcoin for a private purchase.

Claude

Anthropic

starts at $56.10 fees included

Pro $20 · Max 5x $100 · Max 20x $200per month · 1, 3, 6, 12 months

Longer plans save up to 30%

Your Claude account, wherever you are

Pick a plan for Claude

ChatGPT

OpenAI

starts at $56.10 fees included

Plus $20 · Pro $100 / $200 / $500per month · 1, 3, 6, 12 months

Longer plans save up to 30%

Accounts based in the US, UK, Canada, Australia or EU

Pick a plan for ChatGPT

Perplexity Pro

Perplexity

starts at $56.10 fees included

Pro $20 · Max $200 · Max yearly $2,000per month · 1, 3, 6, 12 months

Longer plans save up to 30%

Accounts based in the US, UK, Canada, Australia or EU

Pick a plan for Perplexity Pro

Questions about Lumo and Bitcoin

What does Lumo Plus cost?

$12.99 a month, or $119.88 for a year ($9.99 a month). Dollar, euro and franc prices are the same numbers.

How do I pay for Lumo with Bitcoin?

Open a free Proton account, then upgrade from Settings and choose Bitcoin under Payment details. BTC isn’t offered on the sign-up screen.

Does Proton take Lightning or Monero?

No. Only on-chain BTC works. Proton’s Bitcoin page rules out Lightning, Ethereum tokens, Monero and USDT on Tron.

Is Lumo Plus part of Proton Unlimited?

No, it’s a $12.99-a-month add-on there. It comes built into Visionary, Workspace Premium and Lifetime.

Can I give someone Lumo Plus?

Give them a Proton gift card from shop.proton.me. They redeem it as credit and spend it on Lumo Plus.

Can I use Lumo for free?

Yes. lumo.proton.me works without an account. A free account keeps history for 7 days and caps messages, Max model use and images.

Pages we checked

• Proton Support: Paying with Bitcoin, Payment options, Credit and gift cards, Add-ons and Getting started with Lumo
• Proton: Terms, Lumo pricing, Student offers and gift cards
• App stores: Lumo on the App Store and on Google Play
• MacRumors: Lumo 2.0 (June 30, 2026)
• Apple: How subscriptions are billed