Lumon Pay Ltd
Primary
GB
05082565
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3 entities
unverified
unverified
unverified
unverified
unverified
unverified
unverified
Broker profile
LU
Lumon Review: Is It Legit and Regulated?
Lumon Pay Ltd
GB
Operating period unverified
AKA Foreign Currency Direct
FindMyFX score
high risk5.0/10
0
Score out of 10
10
Independent assessment
Updated 2026-07-24
Contact & regulation
- Official website
- lumonpay.com
- Address
- 20 Farringdon Road, London EC1M 3HE, United Kingdom
- Contact
- 20 Farringdon Road, London EC1M 3HE, United Kingdom
- Primary license
- FCA · Unverified
Missing values mean the information has not been verified or published yet—not that the broker does not provide it.
Quick verdict
Is Lumon legit and regulated?
FindMyFX has license records for Lumon, but none is currently presented as fully verified. Check each entity, jurisdiction, source, and verification date before depositing.
This is a source-limited research summary, not a safety guarantee or investment recommendation.
Broker-provided profile information is reviewed before publication. Paid profile features never affect FindMyFX scores, license verification, risk flags, reviews, complaints, or editorial decisions.
Broker-provided company information
Lumon is a United Kingdom currency-payments and foreign-exchange-risk-management group. Its official regulatory page identifies separate UK payment and investment entities and an Irish electronic-money institution.
Professional broker overview
FindMyFX editorial summary
Lumon Pay Ltd provides payment and currency-transfer services, while Lumon Risk Management Ltd is separately identified for regulated foreign-exchange risk management. The FCA register and Lumon's legal disclosures cite FRNs 902022, 567835 and 671108, and the group also names an Irish electronic-money entity. No universal minimum deposit, leverage ratio or typical major-pair spread was found.
Prepared from reviewed sources for informational purposes. This is not investment advice.
Editorial note: The applicable legal entity and protection framework depend on whether the client uses payments, currency transfer or risk-management services.
- Operational status
- active
- Broker type
- unknown
- Execution model
- Currency transfers and international payments through Lumon Pay, with separately regulated foreign-exchange risk management through Lumon Risk Management.
- Support hours
- Not verified
Documented advantages
- Official legal and regulator pages distinguish the payment, investment and European entities.
Documented limitations
- Pricing and protections vary by entity, and standard retail spread and leverage figures were not located.
88%coverage
Published profile coverage
7 of 8 core information groups currently contain published data. This measures data availability, not broker quality or safety.
Company structure
Legal entities
Registered companies associated with this broker profile.
Lumon FX Europe Limited
IE
631617
2 Dublin Landings, North Wall Quay, Dublin 1, D01 V4A3, Ireland
Lumon Risk Management Ltd
GB
06333730
20 Farringdon Road, London EC1M 3HE, United Kingdom
Markets and instruments
Foreign exchange
unverified
foreign-exchange risk management
unverified
International payments
unverified
Additional broker contacts
General enquiries
United Kingdom
+44 20 4506 5672
European Union
+353 1 592 1528
Research sources
Licenses and regulators
FCA
902022
Last verified: Not shown
Type: Electronic money institution
Client class: Not shown
Compensation: Not shown
Segregated funds: Unknown
Negative balance protection: Unknown
FCA
567835
Last verified: Not shown
Type: Authorised payment institution
Client class: Not shown
Compensation: Not shown
Segregated funds: Unknown
Negative balance protection: Unknown
FCA
671108
Last verified: Not shown
Type: Investment firm
Client class: Not shown
Compensation: Not shown
Segregated funds: Unknown
Negative balance protection: Unknown
CBI
No license number
Last verified: Not shown
Type: Electronic money institution
Client class: Not shown
Compensation: Not shown
Segregated funds: Unknown
Negative balance protection: Unknown
Score components
Regulation and licenses
7.5/10 · 35%A direct FCA entry and detailed official group regulatory disclosures were found.
Security and track record
5.0/10 · 20%Official safeguarding information is published, but no complete incident-history review was performed.
Trading conditions
2.5/10 · 15%Service categories are clear, but standard spreads, leverage and deposits are not published.
Company transparency
7.5/10 · 10%Official and registry pages identify entities, company numbers, offices and regulatory references.
Service quality
2.5/10 · 10%Official contact channels are available, but no verified service-quality dataset was reviewed.
Verified user reviews
0.0/10 · 10%No inspectable verified-user-review dataset was used.
Profile update history
Broker profile was published.
2026-07-24
Related regulated broker profiles
These profiles share at least one recorded regulator. This is not a recommendation or equivalence claim.