Lumon is the UK's leading property-focused currency broker — 25 years, nearly 200 specialists, 10 European offices, moving around £25 million every single day. Estate agents who partner with Lumon earn a £50 activation bonus per client introduced, then lifetime commission on every transfer that client ever makes. No honeymoon period. No hidden terms.
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When a client buys in France or Spain, relocates abroad, or releases UK equity to fund an overseas purchase, the money has to move internationally. Most reach for their high-street bank out of habit. Banks charge margin on the exchange rate, add transfer fees, and offer no specialist guidance on timing or market volatility. Lumon does the opposite — and estate agents who make the introduction earn every time that client ever transfers, for the life of the relationship.
Banks routinely add 2-4% margin on top of the interbank rate. On a £300,000 transfer, that is up to £12,000 lost in margin before a single stone is laid. Lumon's bank-beating rates eliminate that gap — giving clients more budget or more savings on the same transaction.
Vendors moving abroad after a UK sale need to move the proceeds internationally. That conversation — and the referral commission it generates — belongs with you, not a bank. Lumon makes the referral process take 90 seconds and pays you for it.
Sterling moved more than 12% against the dollar in 2025 alone. Without a forward contract locking in the rate at offer, a buyer's overseas budget can evaporate between agreeing a price and completing. Lumon's forward contracts remove that risk.
You don't need to advise — you need to introduce. Lumon's team handles everything: the client conversation, rate negotiation, transfer mechanics and FCA compliance. You make the introduction in one sentence and Lumon does the rest. Commission follows automatically.
Lumon's partner programme is built around the reality of UK estate agency: your clients move money internationally at key moments in the transaction cycle, and you are the best-placed person to make the introduction. Here is what the platform delivers on both sides.
Lumon targets consistently better exchange rates than high-street banks — no transfer fee on transactions above the threshold, and a dedicated currency specialist for every client. Your buyers and vendors get more of their money to the destination.
The moment a client's offer is accepted, Lumon can lock in the exchange rate via a forward contract — even if the funds are tied up in a sale. The client knows exactly what their purchase costs in sterling. No nasty surprise at exchange.
Clients can open a multi-currency account with Lumon in minutes — no cost, no delay, no complex onboarding. This allows early planning well before a purchase completes, giving clients time to move money when the rate suits them, not when the solicitor demands it.
Every client you introduce gets a named Lumon account manager who guides them through local processes and regulations, helps them time the market, and handles every transfer from first instruction to final receipt. Your client is looked after. Your reputation benefits.
Lumon pays agents £50 when a referred client activates their account, then 20% of the profit Lumon makes on every transfer that client ever makes — for the lifetime of the relationship. A client who moves money annually for 10 years generates passive income from a single 90-second introduction.
Lumon integrates directly with Reapit and REX CRM platforms, making it simple to identify which clients in your pipeline have an international money-transfer need and to track referrals without additional admin. The system flags the opportunity; you make the introduction.
Estate agents are live with Lumon from the first conversation. There is no tech integration required to start earning, no jargon, and no pressure on your clients. The whole model is built around your existing workflow.
Sign up online in around 90 seconds. Fill in your contact details and agree the partner terms. Key requirement: confirming your clients' permission when you introduce them. That is it. No technology procurement, no IT involvement.
Lumon recommends adding a single question to your offer letters and vendor packs: will any party be making international money transfers? One line in an existing document becomes your referral pipeline. Around 15-20 agents make their first referral within the first month.
When a client has an international transfer need, you introduce them to Lumon's team. The currency specialist handles every aspect of the subsequent conversation — rates, timing, compliance, transfer mechanics. You need no currency expertise. Lumon brings it all.
The client opens a Lumon account (free, minutes), locks in a rate via spot or forward contract, and transfers their funds. Lumon guides them through local regulations and Notaire requirements in France, Spain or wherever the destination. Your client gets a seamless experience.
Your £50 activation bonus is paid per client. Then 20% of Lumon's profit on every transfer that client makes is yours — indefinitely, even if they never buy or sell through you again. One introduction to a client who moves money regularly compounds into significant passive income over time.
Lumon is a Kerfuffle partner and featured supplier on Compare The PropTech. Members of Kerfuffle do not go through the generic sign-up funnel — they get a direct conversation with the partnership team, a clear picture of the commission structure, and their Kerfuffle account manager's input before anything is agreed.
Standard partner route
Generic online sign-up
Reviewed terms, direct partnership contact
Your Kerfuffle AM reviews the commercial structure with you before you activate. No guesswork, no surprises — just a clean introduction to a 25-year-old currency business that pays agents for doing something they already should be doing.
Lumon's full Kerfuffle profile has verified agent reviews, partnership structure detail, and the full commission breakdown. Open in a new tab — your place on this page is saved.
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A 15-20 minute walkthrough of the referral model, commission structure, integration with your existing documents, and what your clients will experience when they transfer money through Lumon. Followed by Q&A with Lumon's partnership team.
In 2024, 33,000 Brits bought property abroad, moving over £8.8 billion. The agents in those transactions had a choice: let the client go to their bank, or make a 90-second introduction that pays commission for the lifetime of the relationship. This session shows you how to make that choice count.
Lumon was founded to do one thing well: help people move money internationally at better rates than banks, with proper support throughout. Today, nearly 200 specialists across 10 European offices move around £25 million a day for clients including residential property buyers, estate agents, relocation services, and overseas property portals. FCA-regulated in the UK and licensed by the Central Bank of Ireland for EU clients.
Lumon is part of the PropTech That Pays Back initiative on Kerfuffle — a programme that rewards estate agents with kredits when they actively use the tools and partnerships they invest in. See Lumon's pay-back terms, read what other agents are earning, and find out how to start receiving credit for every international transfer your clients make.
Lumon's partner programme takes 90 seconds to join and pays you for the lifetime of every client you introduce. Book a call through Kerfuffle and start from a stronger commercial position.
Want to talk through whether Lumon is right for your agency?
Grab fifteen minutes with the Kerfuffle team. We will walk you through the commission model, answer your questions about the client experience, and make sure the partnership makes sense for your pipeline before you sign anything.
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