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For access to your online account please contact your personal account manager, alternatively email team@regencyfx.com.
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For access to your online account please contact your personal account manager, alternatively email team@regencyfx.com.
Choosing the right foreign exchange provider can have a significant impact on the cost of your international transfers. Whether you are buying property overseas, making business payments or managing personal finances, you need a service that is reliable and one that offers the best exchange rates.
Regency FX and Lumon are two well known names in the currency market but the experience they deliver is very different. This comparison goes over how each provider operates, how they support clients and exactly what they offer.
If you want a partner who provides personal guidance, clear pricing and consistent savings, the differences outlined in this blog will help you understand why more clients are choosing Regency FX.
Regency FX is an independent currency specialist based in Cornwall. The company is built around personal service where every client works with a dedicated account manager who is available at any time.
As Regency FX operates outside major city locations, the business runs with lower overheads and passes those savings directly to clients by offering better exchange rates.
Clients can manage transfers through a secure online portal and also receive fast support by phone, WhatsApp or email. This balance offers you the best of both worlds. You have the convenience of managing everything online while still having a dedicated expert on hand to guide you through each stage of the process.
Lumon is a foreign exchange company with offices in London and other international locations. They provide currency services for both personal and business clients and offer support by phone and email, often through an assigned account manager. Operating from higher cost areas and running multiple offices means they have higher overheads and these costs are reflected in their pricing when you get a quote.
Below shows how both providers perform across the areas that matter most to clients.
Cost plays a major role when choosing a currency provider and small movements in an exchange rate can have a big impact on the final amount received.
A large number of clients who move to Regency FX say they were originally quoted by Lumon but wanted to check whether a better rate was available. In most cases they find that Regency FX is more competitive because the business runs with lower overheads and a more efficient structure.
The example below shows the kind of difference clients regularly see when comparing similar transfers.
A one off personal transfer of £100,000 would return €114,620.40 with Lumon and €115,780.90 with Regency FX, giving you €1160 more.
A monthly business transfers of £10,000 per month would return €11,455.00 with Lumon and €11,560.20 with Regency FX, giving you €105 more per month or €1260 per year.
*The rates and examples shown above are based on typical averages and recent client comparisons. Actual exchange rates vary depending on market conditions, transfer size, currency pair and the time a quote is requested. We always recommend getting a live quote to confirm the exact rate available at the time of transfer.
At Regency FX, the rate that gets agreed is the rate you receive. There are no last second adjustments or last minute increases. This consistent approach gives clients clarity and reassurance, which is why many choose to compare our pricing before making a final decision.
Regency FX clients are assigned a dedicated account manager who takes the time to fully understand your individual requirements, ongoing currency needs and past transfer history. This creates a smoother, more personal experience. Lumon may assign account managers but communication often passes between different team members.
Regency FX operates from Cornwall and keeps its structure lean, which results in lower overheads meaning better exchange rates. Lumon has London offices and several international locations with far higher costs. These costs are naturally factored into their pricing, which means clients often pay more when using their service.
Regency FX clients can track transfers in real time, download confirmations and check rate information at any time. Lumon also has a portal but more updates are still sent by email, which can make access to information feel slower.
When Regency FX locks in a rate, it is guaranteed. This matters for property purchases, moving abroad or any large or time sensitive transfers. Lumon’s rates may change before completion, creating uncertainty and potentially unwanted surprises.
Regency FX makes it easy for clients to get answers when they need them through WhatsApp, phone or email. Responses are quick and consistent because you always know who to contact. Lumon’s communication can vary depending on which broker is available at the time.
Both Regency FX and Lumon operate within the FCA regulatory framework to ensure client protection and compliance with UK financial standards. At Regency FX, client funds are safeguarded in segregated accounts, separate from company operating money providing an added layer of protection.
Regency FX delivers a more consistent and client focused approach. Every customer is supported by one dedicated expert who manages their account from the first conversation through to each completed transfer.
With lower overheads, Regency FX is also able to offer better exchange rates, allowing clients to achieve better value on every transfer. The secure online portal provides real time tracking, instant access to confirmations and complete visibility.
For anyone who values reliable support, transparent pricing and a service built around their needs, Regency FX stands out clearly as the better choice.
To see the difference for yourself, get a free quote today
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