Lumon

Currency transfer specialists · United Kingdom

Specialises in moves abroad
Knows the Spain route

UK-based currency specialists helping you send pensions, property proceeds and regular payments to Spain.

Why retirees choose Lumon

FCA-authorised UK firm (FRN 902022) as published on their site.
Spain-specific guidance: buying property, retiring and pension-transfer articles.
Regular Payment Plan to automate recurring pension or mortgage transfers.
Can receive and hold euro proceeds in a Lumon e‑wallet for Spain transactions.
Offers dedicated currency specialists and live exchange rates.

About Lumon

Lumon is a UK currency-transfer specialist that helps people move money abroad, including sending pension payments, property sale proceeds and recurring transfers to Spain. They offer an online account, live exchange rates, a dedicated currency specialist service and a Regular Payment Plan to automate recurring transfers such as pensions or mortgage payments. ([lumonpay.com](https://www.lumonpay.com/))

The business is an identifiable UK firm authorised by the Financial Conduct Authority (Lumon Pay Ltd, FRN 902022) and publishes regulatory and contact information on its site. Their pages include Spain-specific guidance (buying property in Spain, retiring to Spain, pension transfer articles) and a selling-property-in-Spain service that explains how they handle euro proceeds and Spanish bank payments. ([lumonpay.com](https://www.lumonpay.com/regulatory-information/?utm_source=openai))

Services

International currency transfers (GBP↔EUR and other pairs)
Regular Payment Plan (automated recurring transfers for pensions/mortgages)
Transfer and management of property sale proceeds in Spain
Pension transfer support and advice on transferring pensions to Spain/QROPS
SEPA and euro payments to Spanish bank accounts
Live exchange rates and rate-locking for one-off transfers
Dedicated currency specialist / account manager
Lumon e-wallet for holding euros until transfer timing

How working with them works

1) Register for a free Lumon account online or request a quote by phone. 2) Speak to a dedicated currency specialist and choose timing or set up a Regular Payment Plan for recurring transfers (for pensions, mortgages or living costs). 3) Transfer GBP to Lumon (bank transfer or wallet top-up) and secure a rate. 4) Lumon sends euros to your Spanish bank account or holds proceeds in the Lumon e‑wallet until you choose to transfer. See their site for guidance and to request a personalised quote. ([lumonpay.com](https://www.lumonpay.com/))

At a glance

Registrations: FCA: Lumon Pay Ltd (FRN 902022). Other Lumon entities and FRNs are published on their Legal & Regulation pages (e.g. Lumon Risk Management Ltd FRN 567835 and FRN 671108; Lumon FX Europe Ltd regulated by Central Bank of Ireland, reg. 631617).
Areas served: United Kingdom (services targeted to UK customers moving to Spain)
Opening hours: BST: 08:30–18:00 Monday–Thursday, 08:30–17:00 Friday (as published). ([lumonpay.com](https://www.lumonpay.com/))
Fees: Site states ‘no transfer fees’ and ‘bank-beating exchange rates’ but does not publish a single, fixed margin figure — customers are asked to request a quote to see the rate applicable to their transfer. ([lumonpay.com](https://www.lumonpay.com/))

Frequently asked questions

Can Lumon help me receive my UK pension in Spain?

Yes. Lumon describes how pension payments and pension transfers to QROPS in Spain can be organised, and offers a Regular Payment Plan to automate recurring pension transfers. They advise seeking tax and pension specialist advice for transfers. ([lumonpay.com](https://www.lumonpay.com/articles/can-i-transfer-my-uk-pension-to-spain/?utm_source=openai))

Can Lumon handle the proceeds when I sell a property in Spain?

Yes. Lumon publishes a selling-property-in-Spain page explaining they can manage sale proceeds locally, hold euros in an e‑wallet and make transfers to Spanish bank accounts so you do not need to be in Spain at completion. ([lumonpay.com](https://www.lumonpay.com/selling-property-in-spain/?utm_source=openai))

Is Lumon regulated and how can I check them?

Lumon publishes regulatory information on its site: Lumon Pay Ltd is authorised by the FCA as an Electronic Money Institution (FRN: 902022). The site also lists related Lumon entities and their regulatory numbers. You can check the FCA register using the FRN. ([lumonpay.com](https://www.lumonpay.com/regulatory-information/?utm_source=openai))

Do they publish their fees for transfers to Spain?

Lumon states ‘no transfer fees’ and ‘bank-beating exchange rates’ on their site, but does not publish detailed fixed margins or a universal percentage margin for every transfer; they offer quotes and encourage users to request a free quote to see the rate. ([lumonpay.com](https://www.lumonpay.com/))

What is the process for sending money to Spain with Lumon?

You register for an account online or by phone, secure a competitive exchange rate (rate-lock), send the funds to Lumon, and they make the transfer to the Spanish account; recurring payments can be automated via their Regular Payment Plan. The site provides step-by-step descriptions and a quote request process. ([lumonpay.com](https://www.lumonpay.com/))

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More Currency transfer specialists

Currency transfer specialists

Why retirees choose Lumon

FCA-authorised UK firm (FRN 902022) as published on their site.

Spain-specific guidance: buying property, retiring and pension-transfer articles.

Regular Payment Plan to automate recurring pension or mortgage transfers.

Can receive and hold euro proceeds in a Lumon e‑wallet for Spain transactions.

Offers dedicated currency specialists and live exchange rates.

About Lumon

Services

International currency transfers (GBP↔EUR and other pairs)

Regular Payment Plan (automated recurring transfers for pensions/mortgages)

Transfer and management of property sale proceeds in Spain

Pension transfer support and advice on transferring pensions to Spain/QROPS

SEPA and euro payments to Spanish bank accounts

Live exchange rates and rate-locking for one-off transfers

Dedicated currency specialist / account manager

Lumon e-wallet for holding euros until transfer timing

How working with them works

At a glance

Registrations

FCA: Lumon Pay Ltd (FRN 902022). Other Lumon entities and FRNs are published on their Legal & Regulation pages (e.g. Lumon Risk Management Ltd FRN 567835 and FRN 671108; Lumon FX Europe Ltd regulated by Central Bank of Ireland, reg. 631617).

Areas served

United Kingdom (services targeted to UK customers moving to Spain)

Opening hours

BST: 08:30–18:00 Monday–Thursday, 08:30–17:00 Friday (as published). ([lumonpay.com](https://www.lumonpay.com/))

Fees

Site states ‘no transfer fees’ and ‘bank-beating exchange rates’ but does not publish a single, fixed margin figure — customers are asked to request a quote to see the rate applicable to their transfer. ([lumonpay.com](https://www.lumonpay.com/))