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VASP Compliance Summary — Luno

Luno Money Ltd · Exchange · United Kingdom

Exported 2026-08-25
Data reviewed 2026-07-29

Overview

Compliance snapshot

Overall regulatory statusRegistered
EU MiCA statusNo EU authorization
  • FCA cryptoasset registration (UK); FSCA licence in South Africa
  • No EU CASP authorization — EEA clients not served
  • Trustpilot 3.9/5 · 6,900 reviews
  • No security incident affecting customer assets on record

Medium concern

Well-regulated in the UK and emerging markets with a stable record, but no EU CASP authorization and limited European fiat coverage.

Authorizations

Licenses & registrations

JurisdictionRegulatorAuthorizationStatusReferenceGranted
United KingdomFinancial Conduct Authority
FCA · https://register.fca.org.uk
Cryptoasset firm registration (AML)RegisteredFRN 9287682022-03-25
South AfricaFinancial Sector Conduct Authority
FSCA · https://www.fsca.co.za/Regulated%20Entities/Pages/default.aspx
Crypto asset FSP licenceAuthorizedFSP 513592024-04-15
MalaysiaSecurities Commission Malaysia
SC · https://www.sc.com.my/regulation
Recognised market operator (DAX)AuthorizedRMO-DAX-2019-0022019-06-06

Reputation

Reputation scores

Trustpilot-style score3.9 / 5
Reviews6,900
App Store4.5
Google Play4.3
12-month trendflat
Press sentiment (12m)+4 / ~4 / −1

Media

Recent press

DateSourceHeadline & summarySentiment
2026-06-20ReutersExchange deepens African market presence
New local payment rails were added in two countries.
Positive
2026-03-11BloombergParent group reviews strategic options
The owner explored a partial sale of the business.
Neutral
2025-12-05CoinDeskFirm keeps EU expansion on hold
Management said an EU licence is not a near-term priority.
Neutral
2025-08-27Financial TimesEmerging market crypto adoption keeps rising
The venue was cited among leading platforms in the region.
Positive

Risk events

Incidents & enforcement

DateTypeAmountDescription
2023-05-10Outage—Deposit processing delays for one banking corridor over two days.

Profile

Key facts

Founded2013
Websiteluno.com
Fiat currenciesGBP, ZAR, NGN, MYR, IDR
Proof of reservesPartial
Custody modelDeep-freeze multi-signature cold storage
Legal entitiesLuno Money Ltd (UK) · Luno Pte Ltd (SG) · Luno South Africa (Pty) Ltd (ZA)
DirectoryLuno
Luno logo

Luno

RegisteredNo EU authorizationESMA register

Luno Money Ltd

Exchange🇬🇧 United Kingdom Founded 2013luno.com
Visit website
Last reviewed
2026-07-29
OverviewLicensesReputationPressIncidents

Compliance snapshot

  • FCA cryptoasset registration (UK); FSCA licence in South Africa
  • No EU CASP authorization — EEA clients not served
  • Trustpilot 3.9/5 · 6,900 reviews
  • No security incident affecting customer assets on record
Overall concern
Medium concern

Well-regulated in the UK and emerging markets with a stable record, but no EU CASP authorization and limited European fiat coverage.

Regulatory

Licenses & registrations

JurisdictionRegulatorAuthorizationStatusReferenceGranted
🇬🇧 United KingdomFinancial Conduct AuthorityFCACryptoasset firm registration (AML)RegisteredFRN 9287682022-03-25
🇿🇦 South AfricaFinancial Sector Conduct AuthorityFSCACrypto asset FSP licenceAuthorizedFSP 513592024-04-15
🇲🇾 MalaysiaSecurities Commission MalaysiaSCRecognised market operator (DAX)AuthorizedRMO-DAX-2019-0022019-06-06
  • 🇬🇧 United Kingdom
    Registered
    Cryptoasset firm registration (AML)
    Financial Conduct AuthorityFCA
    FRN 9287682022-03-25
    Verify at source
  • 🇿🇦 South Africa
    Authorized
    Crypto asset FSP licence
    Financial Sector Conduct AuthorityFSCA
    FSP 513592024-04-15
    Verify at source
  • 🇲🇾 Malaysia
    Authorized
    Recognised market operator (DAX)
    Securities Commission MalaysiaSC
    RMO-DAX-2019-0022019-06-06
    Verify at source
User signals

Reputation

Trustpilot-style score
3.9/ 5
3.9
6,900 reviews
Stable (12m)
App ratings
App Store
4.5
Google Play
4.3
Press sentiment (12m)
Positive4
Neutral4
Negative1
Media

Recent press

  • 2026-06-20
    Exchange deepens African market presencePositive

    Reuters — New local payment rails were added in two countries.

  • 2026-03-11
    Parent group reviews strategic optionsNeutral

    Bloomberg — The owner explored a partial sale of the business.

  • 2025-12-05
    Firm keeps EU expansion on holdNeutral

    CoinDesk — Management said an EU licence is not a near-term priority.

  • 2025-08-27
    Emerging market crypto adoption keeps risingPositive

    Financial Times — The venue was cited among leading platforms in the region.

History

Incidents & enforcement

  1. 2023-05-10Outage

    Deposit processing delays for one banking corridor over two days.

Entity

Key facts

CMC rank
—
Fiat currencies
GBP, ZAR, NGN, MYR, IDR
Proof of reserves
Partial
Custody model
Deep-freeze multi-signature cold storage
Legal entities
  • Luno Money Ltd (UK)
  • Luno Pte Ltd (SG)
  • Luno South Africa (Pty) Ltd (ZA)
Compare

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VASPCheck

Licence records, regulator references, enforcement and press for virtual asset service providers.

Dataset updated 2026-08-14

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  • Methodology
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Reference

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  • Official registers
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Contact

  • Report a data issue
  • data@vaspcheck.example

Prototype — sample data for demonstration only. Always verify against official registers. VASPCheck is an informational tool, not legal or regulatory advice. Company names and logos are used for identification purposes only.

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