An Of London charge on bank statement can feel confusing if you don’t remember buying anything from a company with that name. In many cases, an unfamiliar statement description is a shortened merchant name or payment location rather than a separate company.
Consumer reports frequently connect OF LONDON GB with OnlyFans payments. However, the wording alone is not enough to identify every transaction, so you should confirm the date, amount, and full merchant details before assuming its source.
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What Is an Of London Charge on Bank Statement?
An Of London charge on bank statement is commonly reported as a billing descriptor associated with OnlyFans. OnlyFans is operated by Fenix International Limited, an active UK company registered in London.
Consumer charge databases have also linked entries such as OF LONDON, OF LONDON GB, and OF LONDON GBR with OnlyFans transactions. These reports date back several years and include both subscription payments and other platform purchases.
Still, you should treat the connection as likely rather than guaranteed. “London GB” can also be location information attached to a card transaction, and other merchants can process payments from London.
Why OnlyFans May Appear as OF LONDON
OnlyFans operates through Fenix International Limited. UK Companies House currently lists Fenix International Limited as an active private company registered at 107 Cheapside in London.
Banks do not always display the full business name. Your bank may shorten a merchant descriptor because its statement system has limited space.
That can produce descriptions containing OF, LONDON, GB, or GBR instead of a longer merchant name.
| Statement description | Possible explanation |
|---|---|
| OF LONDON | Commonly reported OnlyFans descriptor |
| OF LONDON GB | OF descriptor with Great Britain location |
| OF LONDON GBR | Similar descriptor using the GBR country code |
| ONLYFANS.COM | More direct OnlyFans descriptor |
| FENIX INTERNATIONAL | Legal company connected with OnlyFans |
| FENIX INTL | Shortened Fenix International descriptor |
The exact description may vary by bank, card network, country, and processing route. That is why two payments from the same service may not always look identical.
What Kind of Purchase Could Cause the Charge?
OnlyFans lets users make different types of payments. Your charge may therefore represent more than a monthly subscription.
Possible transactions can include:
- A creator subscription.
- A subscription renewal.
- A one-time paid post or message.
- A tip.
- Another purchase made through your OnlyFans account.
You should compare the bank charge with the payment history inside your account. Matching both the amount and date gives you stronger evidence than relying only on the descriptor.
Pro Tip: Search your email for “OnlyFans,” “Fenix,” and the exact transaction amount. You may find a payment notice or account message that helps you match the charge.
Does OF LONDON Always Mean OnlyFans?
No. There is good consumer-report evidence connecting the exact OF LONDON GB wording with OnlyFans, but you should not treat every charge containing “London” as an OnlyFans transaction.
Banks commonly include merchant location information in statement records. A different UK merchant could therefore produce a description that also contains “London GB.”
Your bank can often see more information than appears in the mobile app. Ask for the full merchant descriptor, merchant category, and any contact information stored with the transaction.
How to Verify the Of London Charge
Start by opening the transaction in your bank or credit card app. Look beyond the shortened name shown on the main activity screen.
Check for:
- The exact transaction date.
- The final posted amount.
- Merchant location.
- Merchant phone number or website.
- Whether the transaction is recurring.
- Any foreign transaction fee nearby.
Next, review your OnlyFans account if you have one. Compare active subscriptions and recent purchases with the bank transaction.
If you have never used OnlyFans, do not assume you secretly opened an account or forgot about one. Ask your bank for the complete merchant information and investigate the charge as potentially unauthorized.
Is the Of London Charge a Recurring Subscription?
It can be. OnlyFans includes subscription-based payments, so some OF LONDON transactions may repeat when a subscription renews.
However, not every OnlyFans payment is recurring. One-time purchases and tips may also result in charges.
Look at several months of statements. Charges appearing at roughly the same interval may indicate recurring billing, although the amount can change if you subscribe to different creators or make additional purchases.
How to Stop Future Of London Charges
If you confirm the charge came from your OnlyFans account, review your active subscriptions. Turn off renewal for subscriptions you no longer want.
You should also check whether you have more than one active subscription. Stopping one subscription does not automatically stop payments connected with other creators or purchases.
OnlyFans’ published terms identify Fenix International Limited as the platform operator. An archived version of those terms lists support@onlyfans.com and an online contact form for support questions.
Because support details can change, you should confirm current contact information from the official OnlyFans website before sending account information.
Common Mistakes: Don’t simply lock or replace your card when you want to cancel a legitimate subscription. Card replacement may not always cancel an underlying merchant agreement, so you should cancel the subscription itself as well.
Is Of London a Scam or Fraudulent Charge?
An OF LONDON charge is not automatically fraudulent. Fenix International Limited is a registered UK company, and there is substantial consumer-report evidence connecting OF LONDON descriptors with OnlyFans.
At the same time, an unauthorized person could potentially use your card on a legitimate website. The legitimacy of the company does not prove that your specific transaction was authorized.
Trustpilot currently shows substantial negative consumer feedback for OnlyFans. As of September 2026, its profile has a TrustScore of 1.2 from more than 4,000 reviews, with complaints that include billing and support issues. These reviews are individual consumer experiences and do not prove wrongdoing in your transaction.
BBB results require more caution. BBB has a profile for a U.S. business named Fenix Internet, but that should not automatically be treated as the same legal entity as UK-based Fenix International Limited. The BBB material itself includes conflicting consumer comments about that relationship.
Reddit and other consumer forums also contain reports of London-based descriptors and unrecognized online charges. These reports can identify patterns, but they are not reliable enough to prove who made your payment.
What to Do If You Didn’t Authorize the Charge
Contact your bank promptly if you cannot identify the transaction. Use the phone number on the back of your card or inside your official banking app.
Tell the representative that you do not recognize the OF LONDON charge. Ask for the complete merchant descriptor before opening a fraud claim, if possible.
You may also want to:
- Lock the card temporarily while you investigate.
- Review recent transactions for other unfamiliar charges.
- Change passwords on accounts where that card is stored.
- Turn on transaction alerts.
- Ask whether the card should be replaced.
- Save copies of all dispute confirmations.
Do not ignore small transactions. A small charge can still be worth checking if you never authorized it.
Can You Get an Of London Charge Refunded?
A refund depends on why the charge occurred. There is no guarantee that a legitimate purchase or subscription payment will be refunded simply because you no longer want it.
If you recognize the transaction but believe there was a billing error, contact the platform first. Provide the date and amount, but avoid sending full card numbers through normal email.
If you never authorized the payment, contact your card issuer promptly. Your bank can explain whether it should be handled as fraud or a billing dispute.
Could You Pay a Foreign Transaction Fee Too?
Possibly. Fenix International Limited is registered in the United Kingdom, so some U.S. issuers may classify a payment as an international transaction.
Whether you pay a foreign transaction fee depends on your card agreement and how the payment was processed. Do not assume that every OF LONDON charge automatically creates one.
If you see a second small fee next to the main transaction, open its details. Your issuer can confirm whether it is a foreign transaction fee.
FAQs: Of London Charge on Bank Statement
Q. What does OF LONDON GB mean on my bank statement?
A. OF LONDON GB is frequently reported as a billing descriptor connected with OnlyFans. The “London GB” portion generally reflects a UK merchant location, while the exact wording may vary by bank.
Q. Is OF LONDON definitely an OnlyFans charge?
A. Not definitely. Consumer reports strongly connect the exact OF LONDON descriptor with OnlyFans, but other London-based merchants can produce similar-looking statement information.
Check the full merchant details before making a conclusion.
Q. How do I stop recurring OF LONDON charges?
A. If you confirm the payment comes from an OnlyFans subscription, turn off renewal for the subscription inside your account. Review all active subscriptions because canceling one may not affect the others.
Q. What should I do if I have never used OnlyFans?
A. Ask your bank to identify the full merchant behind the charge. If you still do not recognize the transaction, report it promptly and ask whether your card should be locked or replaced.
Conclusion
An Of London charge on bank statement is commonly connected with OnlyFans, especially when the full description reads OF LONDON GB or OF LONDON GBR. OnlyFans is operated by London-registered Fenix International Limited, which helps explain why London may appear in the transaction information.
You should still verify the transaction rather than relying on the descriptor alone. Compare the amount and date with your account activity, and contact your bank promptly if the Of London charge on bank statement remains unfamiliar.
Disclaimer: This article is for general informational purposes only and is not financial or legal advice. Merchant descriptors, cancellation policies, refunds, and dispute protections may vary by company and card issuer, so verify account-specific questions with the company or your bank.
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