Lumon Pay Ltd (“LPL”), trading as Lumon, is a company registered in England with its registered address at 40 Holborn Viaduct, London, EC1N 2PB. LPL is authorised by the Financial Conduct Authority as an Electronic Money Institution (FRN: 902022).
Lumon Risk Management Ltd (“LRM”), trading as Lumon, is a company registered in England with the registered number 06333730 and registered address at 40 Holborn Viaduct, London, EC1N 2PB. LRM is authorised by the Financial Conduct Authority as an Authorised Payment Institution (FRN: 567835) for the provision of payment services. LRM is also authorised and regulated by the Financial Conduct Authority as an investment firm (FRN: 671108).
Lumon FX Europe Limited, trading as Lumon, is regulated by the Central Bank of Ireland under the Electronic Money Regulations. Lumon FX Europe Limited is registered in Ireland. Registered address: 2 Dublin Landings North Wall Quay, Dublin 1 D01 V4A3. Registration No. 631617.
Payment services for Lumon Pay Ltd are provided by The Currency Cloud Inc. which operates in partnership with Community Federal Savings Bank (CFSB) to facilitate payments in all 50 states in the US. CFSB is registered with the Federal Deposit Insurance Corporation (FDIC Certificate# 57129). The Currency Cloud Inc is registered with FinCEN and authorized in 39 states to transmit money (MSB Registration Number: 31000206794359). Registered Office: 104 5th Avenue, 20th Floor, New York, NY 10011.
Where can I find your terms and conditions?
For personal and business terms and conditions, click here.
How does Lumon use and protect my data?
The Information Commissioners Office (ICO) is the UK’s independent body set up to uphold information rights. For further information on your rights please see the ICO website: https://ico.org.uk/
The Data Protection Commission (DPC) is the national independent authority responsible for upholding the fundamental right of individuals in the EU to have their personal data protected. The DPC is the Irish supervisory authority for the General Data Protection Regulation (GDPR) and also has functions and powers related to other important regulatory frameworks, including the Irish ePrivacy Regulations (2011) and the EU Directive known as the Law Enforcement Directive.
How does Lumon protect my money?
Protecting your money is our highest priority, so it’s important to us that you are aware of how we do this.
As an authorised electronic money institution, we are required to take certain steps to protect your money. This process is known as “safeguarding”. The account you hold with us is an electronic money account rather than a bank account, which means that your money is not protected by any compensation or guarantee scheme (such as the Financial Services Compensation Scheme in the UK and the Deposit Guarantee Scheme or the Investor Compensation Scheme in Ireland). We do not use your money for our own business purposes nor do we lend it to other customers.
Instead, when we credit your account with electronic money, we either:
- Keep an equivalent amount of money completely separate from our own money and place it in a segregated account with mainstream banks; or
- Cover it with an insurance policy which provides you with equivalent protection.
Each year, we appoint an external expert to carry out an independent audit on how we comply with safeguarding requirements.
We’re always looking for new talent to join our fast-growing business across the UK, Ireland, Spain, Portugal and France. To find out more, click here.
Where is Lumon based?
UK, Head Office:
40 Holborn Viaduct, London, EC1N 2PB
2 Dublin Landings North Wall Quay, Dublin 1 D01 V4A3
C/Rio Ter 31, local A, 30710 Los Alcazares, Murcia, Spain
Ctra. Cabo la Nao Placita, 135, 03730 Jávea, Alicante, Spain
Avda. De Las Brisas 5, local 3, 03189 Orihuela Costa, Alicante, Spain
Av. da Marina, Marina Plaza, Bl 19, Loja 43, Vilamoura, Portugal, 8125-401
How do I get in touch?
Here at Lumon, we’ve got teams located across Europe, all dedicated to bringing our customers’ goals one step closer. Get in touch to find out more:
Hours: 8:30 – 6 M-Th, 8:30-5 F
Who owns Lumon?
We are backed by Pollen Street Capital – a fast-growing, purpose-led and high-performing private capital asset manager. Established in 2013, the firm has built deep capability across the real estate, financial and business services sectors aligned with mega-trends shaping the future of the industry. Pollen Street manages over £3.4bn AUM across private equity and credit strategies on behalf of investors including leading public and corporate pension funds, insurance companies, sovereign wealth funds, endowments and foundations, asset managers, banks, and family offices around the world. Pollen Street has a team of over 80 professionals with offices in London and the US.
At Lumon, we understand that confidence is crucial when making overseas payments: confidence in the service you receive and confidence that you will keep costs under control. Our collaborative approach blends human relationships with exchange rate acumen, for a personal service you can trust. With us on your side, you will be empowered to navigate the currency markets with confidence. We’ve been helping our customers manage their overseas payments for over 23 years.
- We exchanged over £4 billion in 2022
- Over 6,000 5-star reviews for our service
- We’re trusted by over 69,000 customers
- You will have a dedicated expert as your personal point of contact
The History of Lumon
2000 – Foreign Currency Direct launches
2007 – Infinity International launches
2011 – Foreign Currency Direct becomes an FCA-authorised payments institution
2012 – Infinity International becomes an FCA-authorised payments institution
2015 – Infinity International becomes an FCA-authorised investment firm
2018 – Pollen Street Capital acquires Foreign Currency Direct and Pure FX
2018 – Foreign Currency Direct becomes an FCA-authorised e-money institution
2019 – Pollen Street Capital acquires Infinity International and Foreign Currency Direct opens offices in Spain and Portugal
2020 – Foreign Currency Direct launches in Dublin, Ireland
2020 – Pollen Street Capital acquires Earthport FX
2021 – Foreign Currency Direct, Infinity International and associated brands become Lumon, trading over £3bn in 2021