# No-KYC services in United Kingdom (2026)

> Source: https://fuckyc.org/country/united-kingdom/
> ISO: GB · Last verified: 2026-05-12

## TL;DR

From the UK, **Faster Payments P2P** on Bisq, Hodl Hodl, or RoboSats. **Cash-prepaid SIM** at any convenience store — UK is one of the few major jurisdictions where this still works. **Mullvad** or **AirVPN** for VPN. **Proton Mail** or **Tuta** for email. FCA-registered crypto businesses enforce KYC; unregistered providers may operate but have legal exposure.

Post-Brexit UK applies its own AML framework (Money Laundering Regulations) outside the EU AMLD but with substantially similar substance. The UK retains one practical advantage over most EU peers: cash-prepaid SIMs are still readily available at convenience stores without identity verification.

## Legal context

- Money Laundering Regulations 2017 (as amended) implement the UK AML framework outside the EU AMLD.
- FCA (Financial Conduct Authority) maintains a register of crypto businesses; firms must register to operate as a CASP.
- SIM-registration is NOT required at the carrier — cash-prepaid SIMs without ID remain a viable route.
- Privacy email operators are not UK-domiciled; the UK has surveillance powers under the Investigatory Powers Act.

## Payment rails

- Faster Payments — instant inter-bank rail, primary route for UK P2P.
- Revolut, Wise — wide P2P acceptance.
- Cash by mail — legal; Royal Mail has declared-amount guidance.

## Crypto and exchange routes

- **bisq** — P2P, Faster Payments support
- **hodlhodl** — Multisig P2P
- **peach-bitcoin** — Mobile P2P
- **robosats** — Lightning P2P
- **trocador** — Instant swap aggregator
- **monero** — Privacy coin

## VPN and network

- **mullvad** — No-account, cash by mail
- **airvpn** — Port forwarding
- **protonvpn** — Free tier available

## Email

- **proton-mail** — Swiss, mainstream
- **tuta** — German, in-protocol E2E
- **posteo** — Cash by mail

## Mobile, hosting, messaging

- **silent-link** — Anonymous eSIM data
- **njalla** — Anonymous hosting
- **signal** — Messaging
- **simplex-chat** — Messaging without phone

## Caveats

- Investigatory Powers Act gives broad data-collection authority over UK-domiciled operators; non-UK privacy email is the conservative choice.
- FCA register of crypto businesses changes; an unregistered provider operating in the UK may exit suddenly.
- Cash-prepaid SIM availability could change if Parliament tightens; current as of 2026.

## FAQ

**Q: Can I still buy a cash-prepaid SIM in the UK in 2026?**

Yes. Convenience stores, supermarkets, and mobile-phone shops sell prepaid SIMs without identity verification. This remains one of the UK's more durable no-KYC privacy options.

**Q: Is Monero legal in the UK?**

Holding and transacting peer-to-peer is legal. FCA-registered exchanges have largely delisted XMR.

## Sources

- [FCA — Crypto-assets register](https://www.fca.org.uk/firms/cryptoassets)
- [MLR 2017](https://www.legislation.gov.uk/uksi/2017/692/contents)