United Kingdom · Payments & e-money
Lumon Pay Limited
Legal name in the LEI recordLUMON PAY LTD
Lumon Pay Ltd is a private limited company registered in England and Wales with its head office in London. The Financial Conduct Authority (FCA) authorises it as an electronic money institution (FRN 902022). It trades as Lumon and is owned by Lumon Acquisitions Limited of Jersey, which a Pollen Street Capital fund controls. It provides foreign exchange and international payments to private and corporate clients, many of them buying or selling property abroad. It traded as Foreign Currency Direct plc until 2021.
Licences and registrations
Held by Lumon Pay LTD (LEI 213800LSIJOBVPKHTW65). 1 entry on 1 of the 22 tracked registers, retrieved 25 September 2026.
| Register | Licence | Number | Jurisdiction | Status | Registered | Ends | Activities | Register entry |
|---|---|---|---|---|---|---|---|---|
| FCA Financial Services Register - E-Money InstitutionsFCALinked by LEI. Matched by Elucidate on the UK company number the register gives. | Authorised E-Money InstitutionE-Money / Stored Value Institution | 902022 | United Kingdom | Active | 2018-07-12 | — |
|
Search the register ↗ |
Trading names on the register: Lumon (FCA-EMI)
- Licences belong to the legal entity, not to a BIC.
- Each licence applies in the country of the regulator that granted it.
- Registers are tracked in 37 countries. Licences granted elsewhere are not recorded here.
- The register entries and their trading names were not matched against sanctions lists. The sanctions facts on this page cover the BIC and its LEI only.
Other register entries with this LEI
Shown for reference: they share the LEI but are not merged into this page
Swift network
Swift’s ISO 9362 BIC directory
- BIC
- FOCDGB22XXX head office
- Connection to Swift
- Reverse billingThe institution is connected to Swift. Messages sent to it are billed to the institution, not to the sender. The “2” in the eighth character of FOCDGB22 marks reverse billing.
- Swift GPI
- Not on the member list
- Payment schemes and systems
- No entry in the EPC registers, the ECB T2 and TIPS lists or the SIX Bank Master cites this BIC
- Branch codes
- None: head-office BIC only
- Other BIC with this LEI
- LUMOGB22
- BIC first registered
- 2020-10-31
- Last updated
- 2024-12-19
Overview
Researched 29 Sep 2026 · Sources
Customers
Not published
Ownership
Group subsidiary
Lumon Acquisitions Limited
Firm type
FX and business payments
Trades as Lumon
- Standing
- The firm was named Foreign Currency Direct plc until August 2021 and briefly Lumon Pay plc. It took the name Lumon Pay Ltd in September 2021.
- Ownership
- Lumon Acquisitions Limited of Jersey holds 75% or more of the firm's shares. According to the 2025 accounts, the firm's ultimate controller is PSC III G, LP, a fund structure in Ontario, Canada, and Lumon credits Pollen Street Capital with backing it since 2018.
- Direct parent
- Lumon Acquisitions Limited, Jersey
- Ultimate owner
- PSC III G, LP, Canada
- Head office
- 20 Farringdon Road, EC1M 3HE London, United Kingdom
- Company register
- Companies House 05082565
- Incorporated
- 24 Mar 2004
- Former names
- LUMON PAY PLC · FOREIGN CURRENCY DIRECT PLC · FOREIGN CURRENCY DIRECT AMERSHAM PLC
Online
- Websites & references
- lumonpay.com ↗
careers.lumonpay.com ↗ careers site - Official social accounts
- LinkedIn ↗ · X ↗ · Facebook ↗
Sources · 18 pages consulted
- register.fca.org.uk/s/firm?id=0010X000046Fav8QAC
- find-and-update.company-information.service.gov.uk/company/05082565
- find-and-update.company-information.service.gov.uk/company/05082565/officers
- find-and-update.company-information.service.gov.uk/company/05082565/persons-with-significant-control
- find-and-update.company-information.service.gov.uk/company/05082565/filing-history
- find-and-update.company-information.service.gov.uk/company/05082565/filing-history/MzUyODU1NDcwNGFkaXF6a2N4/document?format=pdf&download=0
- lumonpay.com/
- lumonpay.com/legal-info/
- lumonpay.com/safeguarding/
- lumonpay.com/policies/terms-lpl-pers/
- lumonpay.com/help-centre/about-lumon/
- lumonpay.com/team/
- lumonpay.com/corporate/articles/announcement-lumon-agrees-to-acquire-fiscal-fx/
- lumonpay.com/corporate/articles/announcement-lumon-agrees-to-acquire-abacus-fx-limited/
- fca.org.uk/news/warnings/emirates-global-pay-ltd-clone-fca-authorised-firm
- cityam.com/exclusive-santanders-ebury-eyes-100m-plus-lumon-takeover/
- finextra.com/pressarticle/96931/lumon-pay-names-new-ceo
- financialit.net/news/people-moves/lumon-pay-announces-new-ceo
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Several models
- Licensed firm it operates under
- Visa Global Services Inc., United States provides payment services for Lumon Pay (non-MiFID products) to US clients as a licensed money transmitter (NMLS ID 181032)
The FCA authorises the firm as an electronic money institution under the Electronic Money Regulations 2011. For US clients, Visa Global Services Inc. provides the payment services under its own money transmitter licences. For some customers, Currencycloud issues the e-money.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Financial Conduct Authority United Kingdom | Authorised Electronic Money Institution | 902022 | In its own name | Active | register.fca.org.uk ↗ |
Licences and registrations the research found, at home and abroad, as the firm and its regulators publish them. The Licences and registrations card shows the entries on the registers the directory tracks.
Partners and safeguarding
Researched 29 Sep 2026 · Sources
- Safeguarding
- Segregated safeguarding accountsThe firm states that it keeps customer funds in segregated accounts with banks or covers them with an insurance policy. According to its 2025 accounts, it combines safeguarded cash with a safeguarding facility of up to GBP 20 million.
- Safeguarding bank · Partner
- Currencycloud
Banks and regulated firms the firm says hold its customers’ money, issue its cards, sponsor its accounts or settle its payments, as it discloses them in its terms and notices.
Products and markets
Researched 29 Sep 2026 · Sources
The firm offers currency exchange and international transfers to over 150 countries in over 40 currencies, with a focus on property purchases and sales abroad. Customers hold funds in a multi-currency Lumon wallet as electronic money.
The firm contracts with clients in the UK and outside the EEA. Clients in the EU and EEA contract with its Irish subsidiary, Lumon FX Europe Limited.
- Revenue
- GBP 30.3m
- Sells to
- Consumers · Small businesses · Enterprises
- Serves customers in
- United Kingdom
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Vic Darvey Chief Executive Officer (Lumon Group CEO) and director
- Chair
- Ian McCaig Chairman and director
- Executive
- Nicholas John Haslehurst Non-Executive Director and Chair of Risk and Compliance Committee
- Executive
- Michael James Peter England Director (Partner at Pollen Street Capital)
- Executive
- Leigh Edward Bridger Director
- Executive
- Jonathan James Guest Director
Recent events
Researched 29 Sep 2026 · Sources
-
Other
City AM reported that Ebury was in talks with Pollen Street to acquire Lumon. Sources said there was no certainty of a deal.
cityam.com ↗ -
Merger / acquisition
Lumon agreed to acquire the business and assets of Fiscal FX, a London-based foreign exchange and international payments firm.
lumonpay.com ↗ -
Merger / acquisition
Lumon agreed to acquire Abacus FX Limited, an international payments firm with offices in London and Portugal.
lumonpay.com ↗ -
Leadership
The firm appointed Victor Marc Darvey, announced as Lumon's chief executive, as a director on 24 November 2023.
find-and-update.company-information.service.gov.uk ↗
Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, security incidents, licence changes, funding rounds, acquisitions and leadership changes. Each links to its source.
Regulator warnings
Researched 29 Sep 2026 · Sources
-
Impersonation Financial Conduct Authority, United Kingdom
The FCA warned that Emirates Global Pay Ltd was a clone firm using the details of Lumon Pay Ltd. The FCA stated that the genuine firm has no connection with the clone.
fca.org.uk ↗
Entries on regulators’ consumer-warning lists that name the firm or its brand. An impersonation warning is about fraudsters posing as the firm, not about the firm itself.
Identifiers
Head-office record
- BIC
- FOCDGB22XXX
- How the BIC breaks down
- FOCDBank
- GBCountry · United Kingdom
- 22Location · reverse billing
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 213800LSIJOBVPKHTW65
- LEI record
- View on GLEIF ↗
- Licence no. · FCA-EMI
- 902022
- How the LEI was matched
- BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file.Register entry: Matched by Elucidate on the UK company number the register gives.
- Register-entry ID
- 32769b941a13
Profile
- Type
- Payments & e-moneyPayment institutions, e-money and stored-value issuers, and account-information providers. Licensed under payment-services law (e.g. PSD2 in the EU and UK, the Payment Services Act in Singapore). Taken from the licences on the tracked registers.
- Regulation
- Prudential licenceAuthorised with capital, safeguarding and conduct requirements, e.g. an authorised payment or e-money institution in the EU or UK, a major payment institution in Singapore, or a MiCA crypto-asset service provider.
- Register licences
- 1 entry on 1 register
- Activities
- Payment services
- E-money / stored value
- Licensed in
- United Kingdom
- Website (register)
- www.lumonpay.com ↗
- Country · region
- United Kingdom · Europe & Central Asia
- Trading venues (MIC)
- No MIC registered under this LEI list of 2026-09-17
- OFAC sanctions
- No listing cites this BIC
- EU sanctions
- No listing matched this BIC or its LEI
- Country sanctions
- No country programme
Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet.
Ownership and group
GLEIF relationship records
GLEIF’s relationship records name no parent for this LEI, and no group page is published for it.
Addresses
- Registered address
- 20 FARRINGDON ROAD LONDON EC1M 3HE UNITED KINGDOM
- Operational address
- 20 FARRINGDON ROAD LONDON LONDON EC1M 3HE UNITED KINGDOM
ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
A CBPR+ message identifies this institution by its BIC, and may add its LEI or a clearing code. CBPR+ does not allow a name and postal address next to a BIC.
- Identified by
- BIC, with its LEI
- Roles in CBPR+
- Any agent, including the instructing and instructed agents
CBPR+
For cross-border payments on Swift: the BIC, with the LEI and clearing code where known
<FinInstnId>
<BICFI>FOCDGB22XXX</BICFI>
<LEI>213800LSIJOBVPKHTW65</LEI>
</FinInstnId>Full record
Every ISO 20022 element the directory holds. Base ISO 20022 allows them together. CBPR+ does not allow a name and address next to a BIC
<FinInstnId>
<BICFI>FOCDGB22XXX</BICFI>
<LEI>213800LSIJOBVPKHTW65</LEI>
<Nm>LUMON PAY LIMITED</Nm>
<PstlAdr>
<TwnNm>LONDON</TwnNm>
<Ctry>GB</Ctry>
<AdrLine>20 FARRINGDON ROAD LONDON EC1M 3HE</AdrLine>
</PstlAdr>
</FinInstnId>The BIC, name and address are as published in Swift’s BIC directory. The LEI comes from the Swift and GLEIF BIC-to-LEI file. Check them against your own records before use.
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Sources & method
Every value comes from a public source, such as Swift’s ISO 9362 BIC directory, GLEIF or the OFAC and EU sanctions lists. Most sources are matched on a BIC or an LEI, not on a name.
Swift GPI membership is matched on names and is indicative. A missing sanctions match does not mean that no listing applies. Always screen against the official lists.
Register entries are not screened against sanctions lists. The sanctions facts on this page cover the BIC and its LEI only.
An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page.
Read the methodology →Credits for this page
- FCA Financial Services Register - E-Money Institutions—Financial Conduct Authority (FCA) · register ↗ as at 25 September 2026
- Overview, authorisation, partners, products, leadership and events—researched per institution by an AI model with web search, from the firm's own website, terms and filings, regulators' registers and notices, company registers and news. Licences, partners, figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source.
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