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Know the type of information.We classify user complaints, company statements and official records separately.
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HOW IT WORKS

See the level of evidence
on every institution profile.

Instead of ratings, we show the data, its source and its verification status.

  1. 01Data
  2. 02Source
  3. 03Verification
A

Sample Financial Institution

Broker · United Kingdom

Last checked: 23.09.2026
REGULATIONOfficial record verified

The licence number and scope are matched directly against the regulator’s source.

● Official source
USER FEEDBACKRecurring topics

Topics such as withdrawals, support and trading conditions are grouped by period.

● Verified platform record
COMPANY STATEMENTData disclosed by the company

The company’s own statements are shown separately from independent verification.

● Statement
← Home

Lumon

E-money institution · United Kingdom

About the company

Legal company nameLumon Pay Ltd · Lumon Risk Management Ltd · Lumon FX Europe Limited
Year founded2000
Headquarters / registered countryLondon, United Kingdom
Websitewww.lumonpay.com
Last checked08.10.2026

According to its official website, Lumon is an international money transfer and currency exchange company that has served more than 70,000 customers since 2000 and is a portfolio company of Pollen Street Capital. According to its legal information page, Lumon Pay Ltd at 20 Farringdon Road, London is authorised by the FCA as an electronic money institution (FRN 902022); Lumon Risk Management Ltd at the same address (company no 06333730) holds FCA authorisations as an Authorised Payment Institution (FRN 567835) and as an investment firm (FRN 671108); Lumon FX Europe Limited is an electronic money institution regulated by the Central Bank of Ireland and operates a branch in Portugal. Non-MiFID payment services in the US are provided by Visa Global Services Inc. Individual customers are offered international transfers at bank-beating rates with no transfer fees and currency exchange especially for buying or selling property in Spain, France, Portugal, Turkey and other countries; on the corporate side more than 2,500 businesses are offered FX payments, currency hedging strategies and a dedicated dealer. In April 2026 Lumon acquired the business and assets of Fiscal FX. This information is the company's own statement.

Account Details

ACCOUNT TYPESIndividual and corporate clients
MIN. DEPOSITNot stated
PLATFORMSOnline account · Currency specialist by phone
PRODUCTSInternational money transfers · Currency exchange for overseas property · Corporate FX payments · Currency hedging solutions

Licences and regulation

FCA (United Kingdom)

Licence no.FRN 902022
Licence holderLUMON PAY LTD
ScopeListed in the FCA register as an Authorised Electronic Money Institution under LUMON PAY LTD (FRN 902022) since 12 Jul 2018.
StatusVerified

FCA (United Kingdom)

Licence no.FRN 567835
Licence holderLumon Risk Management Limited
ScopeListed in the FCA register as an Authorised Payment Institution under Lumon Risk Management Limited (FRN 567835) since 31 May 2018.
StatusVerified

FCA (United Kingdom)

Licence no.FRN 671108
Licence holderLumon Risk Management Ltd
ScopeListed in the FCA register under Lumon Risk Management Ltd (FRN 671108); status Authorised since 1 Sep 2015. It holds permissions for arranging, dealing as principal and advising on investments such as currency forwards, options and rolling spot forex.
StatusVerified

CBI (Ireland)

Licence no.C186257
Licence holderLumon FX Europe Limited
ScopeListed in the Central Bank of Ireland register under Lumon FX Europe Limited (C186257, trading name Lumon) as an e-money institution authorised under Regulation 9 of the Electronic Money Regulations 2011.
StatusVerified

User complaints

User reports found online are classified by topic. The charts show how reports are distributed; the reports are compiled from records on platforms that verify users and screen out fake reviews.

Period reviewed: January 2023 – October 2026

  • Withdrawal / payment: 18
  • Account / trading conditions: 16
  • Other: 14
  • Customer support: 8
  • Identity verification: 4

No. 241 for most complaints among the 532 institutions with complaint records (918 institutions listed on the site).

RANK BY TOPIC — Withdrawal / payment: 198. · Account / trading conditions: 247. · Other: 47. · Customer support: 163. · Identity verification: 166.

SOURCES REVIEWED

The complaint distribution is based on the 1-star reviews on Lumon's Trustpilot page (60) as of 8 October 2026; one person's reviews count once, and records about fake sites and third parties using the Lumon name are left out. Across the complaints, transfers delayed or not credited, allegations of hidden exchange-rate margins on so-called fee-free transfers, and unreachable account representatives stand out.

Sources and verification history

Official company sourceslumonpay.com — homepage (personal) and footer, corporate page, legal and regulation (legal-info), about us, Fiscal FX announcement (20 Apr 2026)
Regulator recordsFCA — LUMON PAY LTD, FRN 902022 · FCA — Lumon Risk Management Limited, FRN 567835 · FCA — Lumon Risk Management Ltd, FRN 671108 (register.fca.org.uk) · CBI — Lumon FX Europe Limited, C186257 (registers.centralbank.ie)
Company registerCompanies House — LUMON PAY LTD, company no 05082565, incorporated 24 Mar 2004 · Lumon Risk Management Ltd, company no 06333730
User feedback sourcesTrustpilot · Şikayetvar · WikiFX
Last verified08.10.2026

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