The platform you earn on is itself a London company
The OnlyFans Terms of Service name its operator as Fenix International Limited, "a limited company registered in England and Wales" (number 10354575), with its registered office on Cheapside, in the City of London; Companies House shows it incorporated on 1 September 2016. Three clauses of those Terms (last updated August 2024) read differently with a London address:
- English law, English courts. A creator using OnlyFans for commercial reasons is a "Business User" under the Terms: the agreement is governed by the laws of England and Wales, the courts of England and Wales have jurisdiction, and claims against OnlyFans must be filed within one year, except where the law forbids that limit. For a London creator, those courts are on home ground.
- Dollars, not pounds. All fan payments and creator earnings are transacted in US dollars, and your bank or e-wallet may add conversion fees that OnlyFans doesn't control.
- Tax is the creator's. Creators are responsible for their own tax affairs, and OnlyFans reserves the right to close an account or restrict payouts if a creator becomes tax non-compliant.
That's why our commission tiers are in US dollars, the currency OnlyFans pays in. And we never stand between you and the platform: the account is yours, and payouts go to the option you registered in your own name.
Your fans' clocks: the London small hours are someone's prime time
London keeps Greenwich Mean Time in winter and British Summer Time, one hour ahead, in summer. Per GOV.UK, clocks go forward at 1am on the last Sunday in March and back at 2am on the last Sunday in October (in 2026, 29 March and 25 October; in 2027, 28 March and 31 October). The US changes on other Sundays: NIST gives 8 March to 1 November for 2026. Mexico City, where your account is coordinated, doesn't change at all: Mexico's 2022 Time Zones Law (in Spanish) keeps seasonal time only on the northern border, so the capital stays at UTC−6 all year.
Put together, a fan's evening in the US arrives in the middle of your night:
When it's 9pm for a fan in the US (calculated with the IANA time zone database)
| Period | 9pm in New York = London | 9pm in Chicago = London | Mexico City at that moment |
|---|
| 1 Jan – 7 Mar 2026 | 2am (GMT) | 3am | 8pm |
| 8 – 28 Mar 2026 | 1am (GMT) | 2am | 7pm |
| 29 Mar – 24 Oct 2026 | 2am (BST) | 3am | 7pm |
| 25 – 31 Oct 2026 | 1am (GMT) | 2am | 7pm |
| 1 Nov 2026 – 13 Mar 2027 | 2am (GMT) | 3am | 8pm |
| 14 – 27 Mar 2027 | 1am (GMT) | 2am | 7pm |
| 28 Mar – 30 Oct 2027 | 2am (BST) | 3am | 7pm |
Twice a year, for a few weeks, the US has changed its clocks and Britain hasn't, so New York is four hours behind London instead of five; the next spell runs from 25 to 31 October 2026, and scheduled posts and mass messages are worth checking then. Fans in Paris, Madrid, Berlin or Rome are simpler: under Directive 2000/84/EC the EU changes at 1am GMT on the same last Sundays of March and October as the UK, so those cities are one hour ahead of London all year.
Why it matters: OnlyGuider's 2026 forecast (more on it below) puts US spending at an estimated $5.256 billion of $8.561 billion worldwide, around 61%. Much of the money sits with fans whose evening is your night. Your chat is covered 24/7 either way, and at 2am in London it is early evening where your account is coordinated.
London's place in the numbers (an estimate, not a census)
OnlyFans doesn't publish spending by city. OnlyGuider, a search site for OnlyFans profiles, models it from the accounts of Fenix and from Google search data, under a CC BY 4.0 licence. Two editions concern London:
- OnlyFans Wrapped 2025 (last updated 11 May 2026) put London's 2025 spending at $71.34 million, third among the cities measured, level with the city ranked second. OnlyGuider now marks that edition as superseded, saying its older method tied spending too closely to search.
- OnlyFans Wrapped 2026 (last updated 31 August 2026; financial year December 2025 to November 2026) forecasts $60.07 million for London, fourth of 98 cities and the largest city market outside the United States, with the UK second among countries at an estimated $420.2 million.
They estimate where fans spend, not where creators live, and say nothing about what any one account will earn. We quote them as OnlyGuider's estimates because they show that a London creator sells to, and competes with, far more than London.
Staying private in a city of millions
OnlyFans geo-blocking works by country, not by city: you can hide your page from the whole United Kingdom, losing every paying fan there, but not from London alone, and a VPN gets round any block. So privacy is handled from several directions:
- What the frame gives away. A Tube roundel, a bus route number, a red-route sign, a blue plaque, a postcode on post in the hallway or the skyline from your window can place you within a few streets. Check before posting, above all on the social accounts that send fans to your page.
- What the chat never says. Under the contract, no chatter may reveal or hint at your real name, address, location, routine or family.
- Leaked copies. Our team looks for your material, copies with your name removed included, and asks sites to take it down with DMCA notices written by hand.
The law in England and Wales on intimate images
General information taken from the legislation as published on legislation.gov.uk, read on 15 October 2026. It is not legal advice: for your own situation, speak to a solicitor.
- Sharing without consent (Sexual Offences Act 2003, section 66B). Inserted by section 188 of the Online Safety Act 2023, in force since 31 January 2024. It is an offence to intentionally share a photograph or film showing, or appearing to show, another person in an intimate state without her consent and without reasonably believing she consents. Sharing to cause alarm, distress or humiliation, for sexual gratification, or threatening to share carry up to two years' imprisonment on indictment. Images made or altered by computer graphics count (section 66A).
- The exemption that matters to creators (section 66C(3)). There is no offence under section 66B(1) to (3) if the image had already been publicly shared with the person's consent (or the sharer reasonably believes so). The Revenge Porn Helpline, a UK service for adults, says on its page for commercial content creators that sexual images uploaded to a public forum such as OnlyFans count as commercially created rather than private, and that it cannot report them on a creator's behalf.
- Creating sexual deepfakes (section 66E). Since 6 February 2026, when the Data (Use and Access) Act 2025 inserted it, intentionally creating a purported intimate image of an adult without her consent, or a reasonable belief in it, is an offence in itself in England and Wales.
In practice, when paid content leaks, the tool we use is copyright, through DMCA notices; private images never posted, and threats to share them, are where the criminal law and the helpline come in. Our AI rule points the same way as section 66E: no AI version of your face or voice without your signed authorisation.
Age checks and the Online Safety Act, as they touch you
Part 5 of the Online Safety Act 2023 deals with "provider pornographic content": pornographic material published by the provider of an online service itself (section 79). Since 17 January 2025, section 81 has required those providers to use age verification or age estimation that is highly effective at stopping children from encountering it; the government's Online Safety Act explainer calls them "Part 5 services" and says they had to act immediately. Content uploaded by a platform's users is expressly left out of that definition (section 79(7)) and is covered by the platform's own duties.
Day to day, checking fans' ages on OnlyFans is the platform's job, and our chatters never move a sale off it. If you ever plan to sell explicit content from a website you run yourself, section 81 could reach you: ask a solicitor before you build anything.
Filming in London: streets, parks, squares and stations
Film London, the capital's screen agency, explains that each of London's 33 boroughs has its own Borough Film Service for council-managed places such as streets, estates and commons. What it and the landowners publish, in short:
- Handheld and out of the way is usually fine. Film London's advice for small crews says five people or fewer, counting anyone on camera, filming handheld without obstructing the public highway need no licence or official permission, though it recommends telling the borough. Obstruction (section 137 of the Highways Act 1980) is the line.
- Tripods in Westminster and the City. Any crew using a tripod in the City of Westminster or the City of London needs a Notice of No Objection, applied for at least three days ahead. Boroughs that issue these notices charge nothing or between £25 and £100.
- Social media isn't automatically exempt. Film London's social-media guidance says much social-media filming needs no permission, but that commercial work, featuring members of the public or blocking the street can change that, and that people can have a right to privacy even in public.
- Places that always need permission. Film London lists the Royal Parks, Trafalgar Square, Parliament Square, the South Bank, canal and river paths, and train and Tube stations among places with public access where filming always needs permission.
- The Royal Parks, in detail. Their filming policy allows personal filming only if the result isn't broadcast or shared with the public and is shot on a small handheld device such as a phone; anything else needs permission and usually a fee, and filming of a "salacious" nature will not be permitted. The 2026 rate card files social media under commercial work: £1,160 + VAT for up to four hours with one to ten people in Hyde Park, The Regent's Park or St James's Park, and £790 + VAT in Greenwich, Richmond or Bushy Park.
- Trafalgar Square. The Greater London Authority's filming guidance asks for permission in advance and says written permission is required for anything covered by the square's byelaws.
A permit sorts out logistics, not content: anything explicit belongs in a private space, with the owner's say-so. Empire organises no shoots in London; the only ones we run are in Mexico City.
HMRC: dates and thresholds (information, not advice)
Tax on a London creator's income is a matter for HM Revenue & Customs. What GOV.UK says, as read on 15 October 2026:
- The £1,000 trading allowance. Up to £1,000 a year of trading income is tax-free; with gross trading income over £1,000, GOV.UK says to register for Self Assessment.
- Registering. If you needed a return for the tax year that ended on 5 April 2026 and had never sent one, or didn't need one for 2024 to 2025, you had to tell HMRC by 5 October 2026; registering later can bring a penalty.
- Filing and paying. The online return and the tax for 2025 to 2026 are due by 11:59pm on 31 January 2027, according to the Self Assessment deadlines page.
- Making Tax Digital. Making Tax Digital for Income Tax applies from 6 April 2026 to qualifying income over £50,000 (2024 to 2025 tax year), from 6 April 2027 over £30,000 and from 6 April 2028 over £20,000.
We don't prepare returns, deal with HMRC for you or give tax advice. Speak to an accountant about your position, including how to record a commission paid to a Mexican company; if you don't have one, we can put you in touch with an accountant. Our RFC (Mexican tax ID), PMG2608209C5, can be checked with SAT, Mexico's tax authority.
Getting paid, and paying us
OnlyFans keeps 20% of every fan payment and pays the rest, in US dollars, to the payout option you register, once your balance meets the minimum payout amount. Which payout options appear for a UK resident is shown in the Banking section of your account, and we go through them with you. A warning: Wise's acceptable use policy (updated 25 March 2026) lists adult content and pornography among what it doesn't support, and Payoneer's prohibited list excludes pay-per-view and pornographic content, so routing OnlyFans money through either risks a declined payment or a closed account.
Your earnings never pass through us. You get a weekly results report and, within 5 business days of each monthly cut-off, a commission report showing the calculation. You then pay by transfer to Panther Management Group, the company behind Empire, at ARQ (formerly DolarApp):
- In euros, by SEPA transfer, at the European Central Bank reference rate on the day of the report. ARQ includes the United Kingdom in its list of SEPA countries (in Spanish).
- In US dollars, by ACH or wire, from a US bank account in your own name.
ARQ doesn't receive international SWIFT transfers (in Spanish), so an ordinary overseas payment from a UK bank won't reach it. The account details come with your report; we don't publish them on the web. Only money OnlyFans has actually released to you counts; anything it is still holding goes into the cut-off in which it's released.
The tiers are 30% when your net for the month is below US$1,000, 25% from US$1,000 to US$2,999.99 and 20% from US$3,000 exactly, and the tier your month reaches applies to all of it:
| Fans paid in the month | Your net (after OnlyFans' 20%) | Our commission | Left for you |
|---|
| US$1,000 | US$800 | 30% = US$240 | US$560 |
| US$2,000 | US$1,600 | 25% = US$400 | US$1,200 |
| US$3,740 | US$2,992 | 25% = US$748 | US$2,244 |
| US$3,750 | US$3,000 | 20% = US$600 | US$2,400 |
| US$6,250 | US$5,000 | 20% = US$1,000 | US$4,000 |
Compare the third and fourth rows: crossing US$3,000 net moves the whole month down to 20%, so at the boundary you keep more, not less. If you want to try your own figures, our commission calculator is in Spanish but works with any number.
Worked examples, not a promise of earnings.
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